[madmonkeygirl]

GC good luck on the budgeting. It took me forever to get a budget that we can live with. As far as lunches go if i get a lunch break at work then i bring my own food if i don't then i grab something on my way home since i eat at home before i go to work (it equals out money wise).....coupons i hate them...lmao

I always use cash first never charge anything anymore. (yes i've been putting money aside for entertainment mainly concerts coming up) that way i have the money for tickets rather than putting them on credit yet again.

Sorry to hear your apartment is so expensive rent wise. That seems to be happening all over lately due to the housing market. That's why i'm glad we own even if it is a mobile home and we have to pay monthly rent space but hey it beats what they were are charging for an apartment.

Sorry to hear about your Disneyland AP expiring. I took my tax refund money and renewed mine with it. The only way i could renew it. I might have to do that again this year or else figure something out but have almost a year to worry about that.

For holidays for my friends i make things for their presents. Cut the costs down and it costs a few bucks to get the materials that i need to make presents. Family we do a gift exchange so we don't have to buy everyone a present. It really cuts down the expenses. In previous years i could spend hundreds and hundreds of dollars but not now.

Good luck