Yes, it is important to scale down. I find there are so many things to spend on and everything costs. I was online a few minutes ago trying to pay a bill and they wanted to charge me a dollar to do. So I will go ahead an just mail in the payment when I get home. I recently got a package deal where I have cable, internet, and phone for $130 a month. Before, I was paying 146 for cable and internet alone. I think if anyone has these items, look into package deals if they only last for a year at least you have time to plan something. Also look into friend and family deals from various companies and/or products as well as I sign up for free samples. Just a few thoughts. Shelah

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