So I got the free trial version of YNAB today after seeing it talked about a lot on here and I am a changed person! I normally left all financial decisions up to DH and I really had no idea how little money we had. I'm trying to budget for next month using an estimated amount of income (living paycheck to paycheck from DH's paycheck. I'm on mat leave with no pay and go back to work in May) and I can cover our bills and a tiny amount of gas and food...so tiny I'm not sure we could meet that goal.

I hate to admit it but we've been pulling from our savings occasionally to make ends meet, but I didn't know we depended on it. I thought we were just spending too much (we were), but even after cutting out ALL spending money and eating out money I'm still not breaking even on bills, groceries, and gas.

It'll be much better in a couple of months when I go back to work and we pay off my car (3 more months!! That'll be $300 extra a month) but we have to make a change NOW. What are some extra ways to save and maybe even make a little extra cash to help us get ahead?

We are debt free except for our mortgage and car payment, and the car payment is almost gone. We've already cut out our $100 TV bill.

Give me your best tips! I'm so motivated to save save save!!