Minxie....12 or 13!!!!!I have not thought that far ahead at all, but sheesh, that seems old. I remember coming home by myself when I was 11 and with my two years older sister as young as 8. Is that not allowed any more? I guess I never thought about it before (I'd be happy if we could just get potty trained) but it is scary to think about leaving them by themselves...Electric bill is average. My windows are 20 years old and the cheap aluminum type, we're not good about caulking every year, but we do it every couple of years. We do have a programmable thermostat. But EVERYTHING is electric in this house (water heater, stove, etc.). So it adds up. Water heater is turned down already. I think, in the back of my head, I want us both to be able to work fewer hours and be with the kids after school. Not 1/2 time, more like 3/4 time. So if I can get us steadily living on one salary with expenses, then if we do cut back we'll still have enough with both of us part time to manage to save some. If that doesn't work, we do plan to stagger schedules. Thanks for the book rec and the dinner ideas. I got a lot and am going to try to set some goals for eating at home.