No. of Recommendations: 1
Assuming your minimum payment on the Visa is 2%, or ~$55/month, I calculate $2,942.44 expenses, and a monthly income of $4,560. Where is the other $1600 going? Is $4,560 after taxes? Any savings per month? 401(k)?

Here's some stuff you can do regardless of the above questions.

1)Possibly refinance your home. With only $120k left on your mortgage, a full 30-year FRM (assuming 6.25%) would be ~$740 + taxes & insurance. That could ease up some money.

2)What are you spending $200 every 2 months on oil for? This seems really, really high. How many cars do you have? How many miles do you put on them each year?

3)Phone: $90. Does this include high-speed internet? Can you go with a more basic plan? I pay $20/mo on phone and $10/mo for dial-up internet...compared to you, I save $720/year just on phone and internet alone! Lots of people around here seem to like

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