Not too baby related...sorry.
I've been doing some number crunching because we NEED to get out of debt and it looks like we have a "drum roll please" whopping $50 a month to play with! WOW...Eric makes that alone. I'm not counting my not-so-usual payments, so that will be more play money if we need it. (Or perhaps go into a little savings cushion.) WE have two high APR credit cards of Erics that need paying off. Mine has a fixed 4.99 percent, so we can put that on the backburner with minimums. Then we would pay that off. Then we could paydown the medical bills. Then work on the bigger things like student loans and the car. I know it will be along process and the most important thing RIGHT NOW will be to avoid late payments.
Get this...if I make the minimum on my credit card LATE...I pay $50 but get charged late payment fee of $39 so I'm only paying $11 a month! Just paying on TIME will help reduce that much faster. Imagine what that would do to a credit card with a 20 percent APR...you'd probably end up owing more than you used in the first place! We averaged about $400 a month in groceries, so I'm going to see if we can STICK to it. Baby formula is a given, you can't fudge it. But for us...I'm going to see what I can do to reduce it.
Any suggestions on getting the grocery bill down? That's the one place where I really think we have the power to make strides. You can't do much about gas when Eri needs it to get to work. You can't do much about oil and electric really either. Sure, shut off lights. I could go the extra mile and unplug everything at night to save a penny or something...but groceries are key I think.
All right, enough rambling. We are trying to do our taxes now, and hoping to get $2,000 or so back (yah right....) That's why we started thinking about debt reduction. And if we can do it ourselves, why pay someone to do it for us. I thought about calling to see if I can negotiate something witht he medical bills. Maybe I can, who knows. (I dont' see pigs flying, so that's probably going to be a wasted call!)