Earlier this year my wife and I both found out we wouldn’t be getting raises at work this year. We both work for the same company, and its budget year starts on July 1st. That means the earliest we could possibly get another raise won’t be until July 1, 2010!
Don’t get me wrong, this is much better than losing our jobs, or having to take a pay cut. So by no means am I trying to complain. It’s just that since we’re also having another baby this year, we’ve decided it was time to take a hard look at our monthly expenses to see if there are areas we can cut back. Continue reading



