Sorry I haven't got back on recently this week has been hectic with the end of the school year.
Thanks so much for your replies and suggestions.
I already don't have cable or a smart phone.
I can see about getting some insurance quotes.
This week my DH came home and told me that he will be getting some overtime.
Certain things are had to change. Our area only has two providers for phone and internet. I keep looking and hoping that some other company will expand service. Comcast is begging me to come back practically the last offer was $92 a month for a 2 year contract but I won't do a contract.
Canceling the yard waste is something that will help a little. I got my natural gas bill and it was $30 lower then I expected
This week I am so much more optimistic about things getting better. I was stressing about paying a couple bills and got a little bit of unexpected money.
The debt is a hard thing to negotiate on. The two smallest both are on 0% interest cards I have a schedule for paying them off before. The Auto loan we already refinanced, The Student loan consolidated and have an really long term. (Those two I consider part of my regular fixed bills) That leaves just one credit card and I throw whatever I can at it. I long to be in a position to throw extra at the auto loan.
Cash only is going good so far. It really makes you stop and think.
Driving less. Meal planning and shopping from a list are also things I am doing. Also growing a garden. This week we had our first homegrown salad.
The Driving less is a hard one for me. I am on the go all the time. Out where I live there isn't even a park nearby still I tried to get phone numbers of the girls in my daughters class. Invite more friends to visit me instead of going off to visit them.
Thanks again for all the suggestions