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<p>OK I love this…and break out the budget book just went down with my all time favorite quotes like love the kids on the couch. OP you’ll be amazed at what you can trim when you have to. I’m the sole breadwinner with a retired husband and I was unemployed for over a year and zero income coming in and 2 kids in college out of state. I was shocked at how much I could save simply by being aware of what we spent. I used to drive 1/2 mile to the grocery store for a bottle of creamer and a bag of coffee beans…no more. I lost 3 pounds and saved a bunch on gas. We now turn off the lights if we’re not in a room and we clean our own home and don’t wash dishes or clothes til we have a full load, smart grocery shopping trimmed $50 a week and so on and so on and so on…money makes life easy…lack of cash makes for a smarter life. My depression era mom was correct, expenses expand with income. </p>
<p>You’ll be fine, it’s not necessarily “fun” but it also isn’t for the rest of your life. As soon as the kids are done with college in 6 years (I’m done with the first 4) I’m taking those monthly tuition bills work a couple more years and sock it away for a bang-up retirement. 50 is the new 40 so I’ll only be mentally 50 when we’re done with college tuition payments!</p>