GailAlan: If possible, meet with your hubby periodically and brainstorm. Brainstorm about what you might do together to save money.
marlymar99: Well, he always complains about how little money we have, but he will not curb needless spending.
GailAlan: For example, are you definitely on the lowest-rate phone and utility bills? You might save by paying your insurance premiums annually.
marlymar99: I don't really know, that's why I wonder if we should see an expert to help him see that it isn't just me complaining about little things.
GailAlan: Halogen and fluorescent lights can dramatically cut utility bills. Can you bring lunches to work? Might you car pool? Yeah. Double-check all your insurance and ask your agent how you might cut.
marlymar99: I always bring lunches, but he buys a lot of fast food and is just stubborn about these things.
GailAlan: You'd be surprised all the little things you can cut if you do a little research that won't cramp your lifestyle. Yet, it can help get your budget back on track.
Fai34: I am a CL here at iVillage. I host a message board called, Divorced Moms and we all have a similar problem with insurance. Basically, our children are covered through our ex-husbands, but we are unable to find affordable insurance for ourselves. Do you have any suggestions? If so, I would appreciate them and will post them on my board.
GailAlan: Fai34, what kind of insurance are you looking for?
Fai34: Medical and dental coverage.
GailAlan: Fai34, good question. We're thinking about it right now.