I'm thrilled tohave found this forum. I had no idea that it existed.
We didn't fully realize how much money we were spending until I stopped working FT and went to PT. We thought that decrease was tough (from $40,000 a year to $7000), and then I couldn't find a tutoring job, so the PT money was gone. We are struggling, and with the help of DH's small pay increase (and carefully using $2000 of our tax refund this year) we will have enough to get by with tons of frugality.
I could kick myself though. We spent so much more money back before DS was born. What I would do for that money back. not for going out to eat or buying clothes, but for paying off cc debt. The thing is, we were fairly careful back then, but now we have become insanely so.
It is worth it though. We all love having me SAHM.
With the help of our tax refund, we will be able to pay off approx 30% of our cc debt. IF we are careful, all extra funds made this year (geneological research, ebay, summer tutoring) will go towards cc pay off. It would mean so much to me to be below $1000 on cc before we get pregnant this early fall.
Children deserve the respect of puzzling it out.