I'm sorry I'm so ignorant about this, but how does one even begin? I'm not used wanting to live outside of my means ( I have 0 debt and never buy anything with credit) but now our income has be cut drastically (we now take home 1/3 of what we used to) and we have a second child coming next month. Last month we spent DH's entire salary, with 0 savings left over. Not good. I don't even know where it goes. We pay for large ticket items, like subscriptions to the YMCA, upfront so I know it's not that. It must be little silly purchases here and there. Things I never had to think about before. I just don't know how to figure this all out and actually find out our budget and figure out what we should change so that we have savings. When I was working we were saving 1,000 a month. Now that I stay at home we are saving next to nothing, but the cost of the wrap around day care (6am-6pm) that would be required for me to keep working, plus the cost of the commute isn't worth my salary. I've got to rethink my desires and "needs" if we want to ever save enough money to have a home of our own.
So what should I read? How do I start budgeting? How to fix my brain so that I don't just walk into a coffee shop and grab a drink since it's there and I'm early for my Dr's appt.