Our bring home income is about $4,200, so cash flow at this point is not really an issue.

Please correct my math because I am seeing a cash flow problem:

Your monthly expenses total $2643.19
Your weekly expenses total $482.00 (roughly $1928 per month)
Your yearly expenses total $1682.00 (roughly $140 per month)

That is a montly total of $4711.19 which would be $500 over your income per month. One assumption I am making is that you incorrectly listed your allowance in your budget. You listed a total of $200 per week for allowance, where I thought you said earlier that you each took $20 per week. If that is correct, it brings your monthly total to about $4000.

That leaves approximately $200 to go towards debt or any unexpected expenses. From looking at your budget, I see a few cuts that you could make for the time being that would save more money. You may not like to lose these things but only you can make the decision which is more important to you.

Cuts I would make, lose the satellite and the cell phone. That saves you $80 per month. I was going to suggest cutting AOL as well but given you are sharing that, you would have to come to agreement with everyone else. Another big cut that could potentially be made by selling your car and buying something more economical. That is a hard decision to make but could potentially save you money.

These are my initial thoughts and digestion of your situation. I can honestly say you have come to the right place and the people here are fantastic and will give you many great suggestions.

Keep asking questions, keep posting your progress and setbacks and everyone here will help as much as possible.

DT