No. of Recommendations: 0
Thanks for the feedback!

We actually have a relatively 'primitive' lifestyle, we don't have cable or satellite, get our 2 channels off the airwaves. I do subscribe to netflix at $21.60 per month, but am willing to leave that for the time. We don't run the dishwasher, but that's because of septic limitations, rather than utility concerns.

The groceries and cooking style will be the big change, I resist meal planning, then I get too hungry, and buy food out, and I need to address that.

At this time, required debt service is

816 mortgage
216 car
150 livestock loan
921 c/cards

I hope to add an extra 2k per month to this, for as long as I'm able to get extra hours at work.

I go back and forth on an e-fund. We had a cash windfall last month, and have used that to convert our operations to a cash basis, rather than charging operating expenses and paying in full, which is how we've done it for years. That feels like a big step! I'm having a hard time imaging that putting 100/month aside will matter more than paying the debt down.


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