Tracey, on the topic of tightening up belts, I joined Simple Savings the other day and have found it to be fantastic. It has 8,500 ways to save money and people submit their ideas. We have already saved about $60 in a few days implementing the tips.

Nelle, you are working similar hours to me but I know it is not the same as the majority of your day is at work. I wish you all the best and hope you find a way to stay home with Matthew. Maybe a seachange is what you need?