Edit- I forgot to add that my husband and I have been working on our finances for the past 10 months. One area that I have been trying to be diligent about is meal planning. We don't eat out a lot, but we do eat too many pre-packaged foods that I am finding I can make cheaper and obviously healthier. Yes, it does take a BIG rock to hit me on the head to realize some things! Take a moment to check out the great ideas from Pheobe at Cents to Get Debt-Free- her link is to the left.