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[quote=Anonymous][quote=Anonymous]

Are you still living beyond your means and adding to your debt?  Are you saving anything?  Retirement?  How is your emergency fund?  Do you have a budget and do you stick to it?  Do you pay more than the minimums on the credit cards?

I can appreciate that it's hard to cut to really, really bare bones, though this is what I would do.  None of things you list as "wants" strike me as necessary or even particularly important.

I'd allocate a small (couple hundred dollars) worth of "fun money" for every month, whether it's used on clothes, lunches out, whatever, and once it's done, it's done.  Everything extra goes to debt.  [/quote]

Thank you. Great advice. You mention that none of the things I listed as "wants" strike you as particularly important. It is important to me that I provide my kids with lots of opportunities, such as travel (even cheap fairly local places), learning to ski, tennis lessons, movies, out to dinner occasionally etc. I had many of these things growing up and I wish I could give them to DC. Unfortunately we have not managed our money well and although we make enough to do a lot of these things, we now have debt that takes priority. It's hard to always say no to your kids, but I am grateful for what we have.[/quote]

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