Sharlla, sounds like you have found the right place to get support. Thankfully you have a DH who is onboard. Food is such a money sucker! We all need to eat, but as I found out, do we really need that brand of X food when generic brand X will do just fine. I saved $60 the last 2 weeks on groceries from a $200 for those two weeks. Writing down the prices makes a difference for me. I too got in the CC for food, gas, and other perishables that I don't have anymore but the bill is still there. Jan 2017 and if DH and I can keep up the pace or go faster we will have CC debt and student loan debt paid off!
trekkingirl and mylilmonkeys, that is total weirdness with pay information - don't companies want workers with integrity? You work, you get paid. You don't work you don't get paid. Seems like helping an employee see the connection between their work and their income would be a win-win.
akichan, Do you have BS1 finished: $1000 in the bank? Have you set up a cash flow plan so you know where your money is going so you don't spend too much? I would definitely wait on the retirement until after you have a 3 to 6 months savings in the bank (as long as you have no consumer debt which you don't mention).
AFM: I posted things on ebay and so far no bids :( I hope the dresses I posted sell! They are too nice (and some still with tags) to give to a thrift store. Attended FPU last night and watched the "Relating with Money". DH is the free spirit and I am the Nerd. Really liked the Commissions ideas for giving kids money based on the chores they do around the house and then having a Giving Envelope, a Savings Envelope, and a Spending Envelope. Helping kids see that connection early (rather than an allowance which makes kids think they are entitled to money without working for it) would have such far reaching benefits. I don't have kids yet but it definitely an awesome plan.