I am trying to do cash only to get in the habit and then cut the amount we spend. My DH has a good job but we have lots of bills. I want to pay off the credit cards and then go to the car. The emergency fund needs a boost too. So discouraging. Wish we could move closer to the kids in the East. Ah well time will tell. We got bad news today. No bonus. We were hoping to pay down the major credit card bill with that. So we will pay off the small ones first and then get to the others. At least our last trip East was planned enough so that we didn't get any further in debt. I need to start writing down what (or how much) I spend and how I conserve funds and save so that I can encourage myself. Maybe I'll start a blog!