If you have the emergency fund in place, I’d stop putting more into that and savings for awhile and focus on getting the debts paid off. Once the debt is gone, go back to saving like there’s no tomorrow.
I know it’s hard. And I know feeding a family is hard, too, but food is one place you can more than likely cut back some. DH and I are both diabetic and have to eat fairly low carb and really watch the fat but it’s too expensive for us to eat that way all day every day and meat is too expensive to load up on like we’d prefer. We just can’t afford it so we use meat more like a condiment and eat a lot of lower carb vegetables, mainly frozen with some fresh and a little canned thrown in, too.
The cost of food is totally out of hand, I think. By the way, what do you get for a little over $1000 a month in food?
We are trying to drive less – some things we are obligated to do, like pick up children from non-custodial parents. We catch the bus to work, and are going to get up earlier to catch a bus from home to the park and ride and then another bus to work. Trouble is that this takes us away from the kids for another hour each day. But oh well!!!
Another source of emergency funds are instant approval payday loans from KeeLoans.com, or other similar websites like, you know, www.acecashexpress.com, etc. But don’t use them to often and never use them to pay off another debt!
I’ve looked for cheaper insurance for renters + 3 cars and it isn’t out there. We have military insurance, so that is a blessing.
I’m not willing to steal from God at this point – it seems that when we did not tithe we were much worse off and ever since we got that 10% in there, things are better – they aren’t great at the moment, but they are better.
We don’t usually eat out except we had to go to my dad’s and couldn’t exactly starve the kids. And I can’t ask them to skip lunch.
I’m not comfortable with them being without 911 when we are away – they have not needed it, but that one time…. Especially since grandma is home and older with some health issues. The Christian practice of trusting God with one’s first fruits. (I think other religions practice it as well – perhaps under another name)
I hope you are not insinuating that they not have some form of phone….you only need one time of needing it, and not having it for someone to be dead.