[Aleta]

I totally agree with Budget Man that you have to include something for your entertainment. That is something that you and your SO will have to agree on. We started out with $10. a month and later down time moved it up to $40. The great thing about this is that it makes you look for the free concerts available, etc. Sometimes there are grand openings that can be very nice. I believe that climbing out of debt is like a diet. If you diet too much and don't give yourself something once in a while that is satisfying, you will fail at the diet. Same thing for the debt reduction. It is extremely difficult and especially in the beginning and tempers can flare because everyone is competing for their wants. So, you start out with a smaller amount and build it up.