wow, those premiums are NUTS!
we have a 75 year term $500K on DH, 75 year term $500K on me, and $10K on each of the kids, and our total monthly premium is $75 for eeveryone.
definatley drop the whole life, and do some shopping around.
looks like things work well in your budget! What is your family size?
the only thing i saw is cell phone $90. that seems a bit high. Is it something used often for work etc...? (disclaimer: i dont have a cell phone, mainly because...
its sad, but people ask me "so what do you do all day then?" as if there is nothing to do other than the tube
and i also get "jeez how can you stand it?"
and we arent completely TV free, the kids can watch on...