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[quote=Anonymous]OP, what school district in NOVA?   Is there a chance of a magnet school or G/T program etc?  If you could get rid of that $2000/month private school payment you'd be in much better shape. I really think private school is for people who make more than you do, or people with 2 incomes.

If your spouse isn't working, is home schooling an option?  Is your spouse disabled?   Receiving SSDI a possibility?

You have no mortgage -- you should be able to save a TON but the private school tuition is killing you.

You can take vacations, they just have to be low budget ones.  The stay at home spouse should be able to spend the time planning, looking for bargain fares etc.

Search for frugal ways to do everything.  Your food budget (if accurate) is already really good; I wouldn't start there although the truly frugal people would say you could easily get that down to $400 a month for 2 adults and a child.

What's the commute like?  How does your child get to school and back?   Could you drop one car? You'd pay less for insurance, taxes, etc.  Public transport to work or spouse drops you off then takes the car for the day then picks you up.   Bike to work?

If you can't cut out any large categories, try just to optimize spending and cut back 5-10% in each category.
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