****Just teachers get a lot of time off. What is your point? We also have to do a ton of work with lesson plans, report cards, dealing not just with kids, but with their parents who are often worse than their kids. We have to keep continuing our education in order to stay certified. That means in part, that I have to take at least eight college credit hours every five years. Yes, we get a lot of time off, but we also do a lot of stuff during that time. It's not my fault that teacher's get a lot of time off. Lets see you deal with 300 kids a day (plus your principal, plus the kids parents) ages 5-11 and see if you might need a little time off. Whoa, I was just stating fact. Teachers generally get more time off than many other jobs. I don't think it would be as easy for your wife to take time off or rearrange her schedule if she worked in any of the jobs you mentioned. I, also, wonder how much those jobs you mentioned payed. I would think they might be less than the $10.00 per hour she's able to charge for cleaning.I agree, in theory that the name brands might be more expensive. I don't know the circumstances of the purchase. Sometime they can be purchased on great sales.How do you keep track of the expenses? Do you pay with CC, Debit card, check, cash? Do you put the expenses in a quicken or similar program?You mentioned paying off debt with things like the tax return. How do you decide which cards/loans to apply the extra payments to? Most here think they should be applied to the card with the highest interest payment first.Hmmmm, thinking back on this thread there hasn't been much mention of the different cards, their balances and interest rates. Generally that is more the focus of this board.Rather than placing fault the board tends to consentrate on 1. How to stop digging the hole deeper. A major part of which, is to find out where the money is going and keep details of where it is going. It doesn't really matter if you spent too much on books last week or she spent too much on food. What matters is how much is being spent today, tomorrow, etc.2. Stop using the Credit cards.3. The best way to fill in the hole.Jean
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