This is one of my two goals this year. I want to ensure our family is not going into any further debt each month. The challenges with this is while my husband has a good job, I am in school full time and we have two kids in a day home. The costs for childcare each month are around $1200 and then sport fees for the oldest boy. It seems to be a struggle each month. My plan is at the beginning of each month plan using the program You Need a Budget (YNAB). This is a great program that you can use on your mobile devices, check it out: YNAB
Each week I will post if we are in the red or the green this week!