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      joi, we do the same by cutting back now before we get in trouble. I told my son the next thing to go will be the cable.we will niss it .

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      From: Joi Sinclair
      To: Budget101_@yahoogroups.com
      Sent: Tuesday, July 15, 2008 5:24 PM
      Subject: Re: Budget101.com : Frugal/budget “dabbler”

      i have to admit that i only dabble myself, i am much like you, but i have a hard time denying myself as well as my family. one way i have found to help is to do my
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