We went down to 1 car. Sold all unnecessary toys (skis my hubby hadn't used in 3 years) no more going out to eat unless it was with others as a social event and we explicitly ask for seperate check. I buy/sell used items. We budget like crazy. I get like one hair cut a year. By choice. I buy gifts thru the year to ease the strain in December. We pay monthly into accounts for things, like plane tickets.
Tax refunds are not income to us. They don't pay off debt (we refuse to get into it) we put it into our savings. 1/4 goes to each of our own accounts. Our roths, our boys' 529's.
BFing, CDing, all natural mama to three boys! Certified lactation Counselor