I have been tracking our monthly bills and expenses since 2008, but it wasn’t until just a few years ago that I really took a hard look at our finances. We had debit like the majority of people do. There was a mortgage ($1800), car payment ($315), truck payment ($450), undergraduate loan ($220), and a graduate loan ($270). This was over $3,000 a month is debt alone. If you add on top the monthly bills of cable, electric, cell phones, daycare, trash pickup, water, and insurances and so on you get another $1,400-$1,700 a month in bills. We still have to account for food, gas, beer, eating out and misc spending, yet another $1,400 a month. A total of $5,800+ a month!!! Wow! And I thought we were doing well. I was paying the credit cards monthly, was saving (401K), I was living the dream, just like everyone else. I was doing exactly what the world was telling us to do.