The Voices of Sinners and Saints

E and I have decided that I will return to seminary full-time in January.  I don't think we can pay off our credit card by September.  It would make things too tight.  This means we are officially on a budget.  We have set up a a cash-flow speadsheet and I have also linked our bank account to Quicken.  Of course, we look fine on paper.  After taking into account $1,000 in gas, groceries, and household items monthly, we show a surplus of $2,100.  This includes our monthly bills of $3,300.  E and I waste alot of money.  Apparently $2,100 a month.  It has to stop.  And seeing it in black and white was a great way to see how un-stewardlike we are.  Our income after taxes, health, dental, retirement, and tithes is $6,476 and our bills and monthly expenses are $4,300.  Where does it all go?  A big chunk goes to lunches for both E and me (almost every day).  Another huge chunk goes to eating out.  We dine out three, four, five times a week.  And E is not a cheap date That has to change.  It's just throwing money away.  I am ready.  I really hope E is.