Once the holidays are over.
Good luck to you in your budget-cutting, Carol. We, too, are going to try to cut the budget to the bone in the new year, although we've been fortunate in that new (better-paying) jobs have recently been made available to both of us...it's just too scary out there for me to be comfortable spending a dime that we don't have to. I'm trying to stick to the make-it-do way of thinking (cleaning the house has really helped me not want new stuff, weirdly enough!).
I am going to do the same. It's funny that when I think I can't cut my budget anymore, I find things that can be cut.