After reading the thread, I am sure you got alot of ideas on small ways to improve. Can you give a heads up down the road on how you are doing, so we may offer new & additional ideas.
I wonder do you have life insurance on your husband and yourself? I did not see it as part of your list of bills. If your husband were to die and you dont have any insurance what would you do??? If you were to die and your husband had to pay for all the things you are currently doing at home, how would he manage? I know this is hard to think of at this time but if possible I would try to make sure you had atleast enough life insurance $ to pay for daycare for all four children for a year.
By the way...How old are your children? Are they old enough to help watch your other children if you were to get a night job? Or is it possible for you and your husband to work different hours so that you do not need daycare? Are your children old enough to maybe mow lawns, shovel snow, etc to pay for some of their wants (not NEEDS-but expen$ive wants).
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