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[quote=Anonymous][quote=Anonymous]Thanks for the quick replies. I am a stay at home Mom. I've started looking for work in my field. I never use the credit card but DH does. I've asked him to hand it over but he wants to keep it for emergencies. We spend the most money on food (groceries and eating out). We've stopped eating out and I've started sticking to a strict grocery budget. Beyond that we're on a spending freeze. But DH is going to CA, for him it's a non-negotiable. We could consider canceling our gym membership but my health and sanity greatly depend on my gym and their awesome childcare. :) For both of us, we are mindless spenders on the little things. Trips to Target are the worst. For DH he is always buying food while at work. The little things add up.[/quote]

I wish I could meet you and just walk you through the logic (or lack thereof) of all this in person, show you the graphs of what this spending will do to you and show you how much you are really giving up when you choose a trip to CA over something else. The gym membership is nice, I get it - but when you are spending more than you make - its not a necessity. You need to take a hard look at your expenses and really figure out what is critical and what isn't. Thats the only way you will dig out of the mess. I promise you if you posted all of your expenses, I'd find a way to shave off at least a thousand dollars....The trip to CA is important to your DH - fine - but whats more important, the trip to CA or your children's college fund, or your own retirement? You need to look at things differently.

This is the difference between being 50 years old and having $20,000 in savings and being 50 years old and having $2,000,000. [/quote]

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