Lynn,

Thanks for the suggestions. We've been cutting back for a long time. I shop at the cheapest place available. I do coupons. We cut back to one phone with no perks. Eating out is a special treat (except when I'm too depressed to function). Me and kids take lunches. Hubby chooses to eat lunch out or not eat at all. I've offered many times to fix his lunch, but he doesn't want it. Movies? New clothes? what are those?

Now, that being said, if we really wanted to help ourselves financially, we'd quit smoking. Smoking is costing us $12 a day...but I can't seem to stop and he won't stop if I don't stop. I feel like giving up cigarettes would make me so tense and upset that I would cease to function. Stupid cigarettes! Stupid addiction! It would be nice if I could find the strength to stop, but that seems to be my pattern. I may logically know what needs to be done, but I can't make myself do it.