Thanks guys for letting me know that I am doing it the right way - well at least the best way to not get into financial trouble!!

I've sorted out our finances and we've dropped several things from the budget so we are back on track with DH working 4 days a week instead of 5.

But I've just found out that you can get a Thermomix on finance for 3 years... which works out to about $15 a week (and 9 months of it is interest free!)... so I'm wondering what I can cut to afford one of those (and in my defence, it would totally cut down on our food bill by making everything by scratch and we'd be heaps healthier without all those nasty preservatives......)

Back to looking at the budget....