Last year we hired a financial consultant from the Dave Ramsey organization to help us make a budget and figure out the best way to pay off our debt and save money. She was AWESOME and motivated us both to make a lot of great changes. We did make some good progress too.
Here's the thing that is frustrating. I'm saving a TON of money on household and grocery stuff by menu planning and couponing. I'm working part time now teaching piano. We have a fantastic cash flow plan that allows us to track every dollar and plan for the future. And we're STILL not paying off our debt very fast. WHY? Medical bills. AHHHHH!
We have a pretty decent insurance plan from Justin's employer and even WITH that coverage we are spending a lot of money out of pocket. I just did the math and basically.... if even ONE THING goes wrong with another family member besides me (because it's just unavoidable for me... too much medication, supplies, specialists co pays) we go back into debt. Every time we go into debt it's because of medical bills. When Gabriel had his adenoid issues it set us back AGAIN. It is so frustrating to me. And there is just absolutely nothing I can do about it which frustrates me more.