Sounds like you've covered quite a bit. Teg, I think you're doing a good job.

I always tell people to cut the cable. I have DSL, and probably wouldn't give that up. But I don't have cable. We're out in the country and don't get the broadcast TV (using antenna or rabbit ears), so basically we don't watch TV. We have a set and can watch DVDs or have someone record a favorite show.

When I first canceled it I had just gotten divorced, stuck with a lot of bills, and was working four jobs. So I didn't miss much, anyway.

Once you get used to not having TV, it's very liberating. Listen to the news on the radio (you can even stream it on the computer while doing other things). As you said, go to the library and read newspapers and magazines.

I also advise take lunches, cook at home, things you're already doing.

So I think you're well on the way.

As I said earlier, no extra on mortgage until the emergency fund is built up and the bills are paid off.

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The Answer is 42!!