…One area to also save…..
Watch your food bill. Never buy food that isn’t on sale. Change your eating habits such that you eat what’s on sale that week.
I know it’s seems ridiculous, until you notice that at your typically grocery store like Vons/Albertson/Ralph/etc, the difference between a sale item and a regular marked item is that 3x-4x more…That might not be such a big deal if you’re single. But If you’re got 2 + 3 kids to feed, that will be a big deal.
And by sale I don’t mean buying nearly expired food. I mean grocery stores regularly rotate normal food items that are discounted every week.
Now would also be a good time to give up pop and beer if that’s your thing, or at least reduce consumption of it. Not to mention, it would probably be healthier for you.