if 400 is a cut back, go with it for a couple months before dropping lower. At one point in trying to pay off the CC I had ours to about 50 a week..for 4 people (we are now 5) and we now spend about 100
I am trying to remind myself that a house and EF is just as important as paying off the CC..but it is a bit harder.
I tried to get DH on board last time, but it wasn't happening. I am trying to stretch our shopping from weekly to once every 10 days, right now I would settle for once every 8 days.