Other budget categories to consider: newspapers, transportation aside from car (gas, tolls, train, etc), charitable donations, household supplies (like laundry detergent, etc), eating out (if any), childrens school items...AJ wasn't being judgemental. Just trying to focus on what's core and what's not that core. This differs for everyone. I'd give up clothes before I'd give up travel for example. You need to track all expenses (not just big recurring ones) vs. income, and then start deciding where to trim. All discretionary income gets thrown at debt snowball. Discretionary is subjective. many people include a "fun" category in their budget for books, eating out, etc, because to go cold turkey on this isn't realistic, and better to plan for an outlet than jst blow the budget.Anyhow - if you do stick with this there will be some comments from the board you don't like. Don't overreact. Just let it sink in and think about if there is something in thereuseful for you.
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