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[quote=Anonymous][quote=Anonymous]This is really helpful!! I've been trying to be really mindful about our expenses and I know there are places we can cut . We only have one car payment but it's big at $650, our mortgage is only $2k, we don't have credit card debt but $4k a month in childcare and the rest goes towards my transportation (metro $250 a month) then food. We do get dinner out on occasion but aren't living extravagant. I definitely could be better about dropping my morning coffees!! [/quote] the key, in your situation, is to pre-load your savings. Make sure it's deducted off the top, automatically, every pay period. probably into your 401(k) or TSP. Make it as high as you can stand it, and then, if applicable, set it so that next year's raise goes there as well. Once you do that, you don't have to worry abou tthings like morning coffees. You'll adjust because you'll have to.[/quote]
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