I am finally going to have to do this for awhile until my DH finds a full-time job. He works part-time but doesn't earn a whole lot so my income is primarily what we have been living on for the past couple months. I need to plan for in case he doesn't find a job this month which means possobly cutting back some. I am just finding it really difficult to decide what to cut back on, I will admit we have had quite a few extras that we could afford just fine when DH made more money. SO any advise on where to start? The the things that we pay for that arn't necessities include: housekeeper (2x/month), guitar lessons for DH, private math tutor for SD11 (she really does need help though), eating out ($200/mo), cable/internet, cell phone web plan. I think that covers most of it other than my charity giving and IRA/savings and some entertainment expenses. We don't have to go crazy cutting everything I just need to reduce cost by a few hundred dollars temporarily. Advie? Suggestions? Thanks for any help.