One more thing though, if it is about putting more in your retirement or getting finances in order, it may be worth while. However, I would see if you can make cuts from somewhere else. If you've never put together a budget, you don't know what you're missing. That makes it easy not to go crazy and to see exactly where your money's being spent. I know that budget is a scary word but it's very easy to do. It won't be perfect the first few months but just keep tweaking it and you'll get it down. I took a Dave Ramsey class and it really helped me. I'm not perfect but I now know what I need to do.
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Originally Posted by BSJF
