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[quote=Anonymous]OP, even if you cut all of your discretionary spending in half, you're not going to cut your budget by $1,800 a month. Your food/gas/personal expenses/utilities combined add up to $2200 and there's no way to cut that by more than 80%. That's not to say you shouldn't cut where you can, but don't bang your head against a wall trying to solve this problem by being thriftier, because the math just doesn't work on it. You could potentially dramatically reduce your mortgage by refinancing, depending on how old your loan is and how much equity you have. Otherwise it seems like you need to solve this problem with additional income. Perhaps DH could get a part-time crappy job not in his field while he looks for work (if he's in a professional field, he doesn't need to add it to his resume). Or maybe you could sublet a basement or similar. Sorry you're in this situation and hope things look up soon![/quote]
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