Thanks for the ideas...

We don't buy clothing for the kids or me new (DH we do, since he is a businessman). We also get alot of hand me down type clothing.,.so that really helps. I really only buy underwear, socks etc. My DH is pretty ill so we have thousands in medical costs each year (after insurance) - and there isn't much we can do about that. Since the housing market is so bad selling our house (that we have had only 2 1/2 years) isn't a good idea. I am just getting really nervous that if we are just making it now - what do we do later - I guess I would rather see what I can do now to help then in two years loose everything for lack of a plan.