I'm really back on on the thrifty/simple bandwagon after a cash flow crunch this month and trying to take on more debt a la our addition has come closer to reality. Our June goals: *dh and I need to meet and decide on one-year and five-year plans. I've realized a lot of our issues stem from a lack of cohesive vision about our financial goals. So step one is to come together and discuss and come to an agreement about what those are. *one decision we have made (I think, the tractor is still up for debate) is to sell off some of our assets, cash out Matt's Florida 401k, and pay off all our CC with the proceeds. We both decided we don't feel comfortable taking on more debt until this is done. So, this is a goal for June. *set up a budget and stick to it. We still haven't really done this. *weekly financial meetings. We both agree this needs to be a priority. *buy only what we really need. We just need to cut back spending! We've been a bit free and easy with it all. I think that's it. Hoping we can rein in the spending a bit and get the cash flow under control. You?