If you cant get rid of monthly bills like cable and internet at least pare it

down to the basics unless you need it for an at home job. I got rid of my phone

bill which cost me around 85 a month for magic jack since I already had cable

internet. My cable is just the basic package without any boxes to keep movie

rentals down. Now I only get movies from the library for free including new


We are good drivers so our car insurance is only 60 dollars a month with no

extras like towing. I carry a cell phone with my husband as part of a package

and we have the towing auto package for 4.00 dollars a month instead of triple A

since it was cheaper and I have a 97 van and he drives a 72 p/u. We have no car

payments cause I hate them. All our utilities a month are just under 400 and our

mortgage is 925. We might go out to eat twice a month and thats like to

mcdonalds or something cheap to get out of the eating at home rut but mostly eat

at home. My husband works for cargil and we pay for insurance, and retirement

and he has stock options that he contributes to all that they match on.

We freecycle for just about anything and garage sale shop for our two kids

clothing and thrift store shop for their clothing also. My husband fixes

anything that breaks so that helps and works on our vehicles himself. We

homeschool also which saves a ton since we dont have fundraisers and school

whatevers to give for whatever they are doing at the moment. We buy all our meat

from my husbands job since they manufacture turkey and shop mostly at sams but

only stuff that will save us on stuff we mostly use. I try not to step foot into

walmart and if I have to my kids dont come. We shop after christmas for toys for

birthdays and christmas for next year. My kids are definitely not spoiled but

have the finer things because we watch for the deals. we have been blessed

through freecycle which is a great place to get stuff that you need and get rid

of stuff you no longer need too. We have gotten a trampoline with the full

enclosure, big deep freeze, complete twin

bed, and so much more stuff that we were looking for that we didnt have to pay

a cent. It can be done I think of all the money that we wasted before and we

dont have credit cards now at all. Donna