I have obviously avoiding the saving money portion of this debt reducing scheme.  Why? Because it feels tough enough as it is, I can’t imagine how we could stretch our dollars even further.  But then my husband emailed me this today. A family of 7 on $44,000!  Holy crap.  I feel like a big whiny baby now.  So it is time to get serious about budgeting and find a ways to cut our spending. The first thing we did this week, is park the car.  My husband biked to work 13 miles one way and I biked everywhere with the kiddos!  Since we spend about $2500 on the cars per year it is a great step or rather peddle, in the right direction.