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I am a little late to the party on this and have rec'd most of the above posts because they offer excellent advice.

Some brave souls put their budgets out for us to comment on. It isn't necessary and we won't think less of you for not doing it ( I haven't myself) but the posters are pretty good at seeing things you may miss.

I think you need to really closely track your spending for a while.
We used an oversize calendar where I could write down everyday every penny we spent. This really helps you see where you may be leaking money and you may discover interesting patterns. It made me realize I was spending 3-4 bucks each week for a snack on the day I took DD straight to her piano lesson after school. I started putting a snack in an igloo and taking it with us most of the time. That didn't save alot, but it did save about $16 a month or about $150 over the course of the school year. Little leaks can sabotage you quickly.

Good luck
Molly--hoping you'll hang in here with us
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