Our biggest “latte factor” has always been food. Since reading your books, I have committed to cooking at home at least 6 nights per week. My husband has started taking his lunch to work every day and I have stopped my frequent McDonalds trips with the kids. I’ve also started using nap times to compare prices in the weekly fliers, so my grocery bill has gone down! That was an extra $500/month!! We have been using that money to fast track our emergency savings. We have just hit our 3 month cushion.

I’ve also been looking for an “out of the box” way to bring in extra money (per Start Late). I found out today that by working even part time at my son’s preschool, I can get free tuition for my kids. Once my daughter is old enough to start (in January) I’ll be applying for a position. That would enable me to make money and save money at the same time.

You have really inspired me to start looking at everything I do with my money, and recognizing that each choice I make today can really influence my tomorrows. Thank you so much for opening my eyes!