novice – good points. For growing kids, clothing is more of a need to replace outgrown clothes, but I could cut back some.
I once read a book about a couple w/ 2 kids that lives on less than $12k/year, in Iowa. The most important part is a low mortgage. Since mortgage is 1/3 or more of most people’s expenses. Their kids buy clothes at thrift stores and play free sports after school.
