If I could convince DH to drop the PHI we might be a bit better equipped, but he seems to think it's essential. The only thing it's ever been used for is one dental appointment for him, and Amelia's hearing test a few weeks ago - which could have gone on Medicare. Yeah, we need it sooo much

I'm going to cap the food shop at a certain amount, rather than tell myself it's okay to go a little over. Might attempt to cut it down a lot more... Not letting DH but any more DVDs or Xbox games, even if it's a movie I really desperately want. I'll tell him not to get me birthday, anniversary, or Xmas presents, and I'll do the same. It's not much of a saving, but it's something.