So my wife and i were talking the other night and we were surpised about how much our financial situation has changed since we met ten years ago. Im a self employed electrician and she works for a small local bank. I make the majority of the money and she carries the health insurance and she makes decent money. We have the usual bills, mortgage, 2 car payments, cable phone and internet, 2 smart phones and a 4 year old in preschool which is the equivalent of another mortgage basically. We are considering cutting out the smart phones and cutting the cable bill back. I was curious as to how many of you have had to cut back and how/what you cut back in?