Ugh.

Things around here will be changing a little.  We have to run a more efficient and tighter ship.  We have found out that we will be owing the government a sizable chunk this year and will have to, from now on, pay quite a bit quarterly.  This is because Travis is not an employee of the church but an independent contractor which means that you pay $ .15 on every dollar you make.  Yikes!!  We will have to modify our lives to make way for this awful quarterly payment.  No more house phone, less giving to the church, maybe no TV.  That is going to be a hard one for sure if we have to do it.  We are going to lower the heat even more (Not sure how since it is already set at 60 degrees during the day and 55 at night), really watch leaving things on or plugged in when not in use, and lower the food budget.  This is going to be a very tight ship.  I know we can do it but it will be hard and not very fun.  I was hoping that since we are almost 30, have a family, a home, 2 cars and are pretty good with money that we would be done with living like we are still in the college days.  That's life I guess.  We will get through this just like we did a few years ago.  This would be easier if Travis was going to get a raise but there is just no budget for that this year.  The church is very willing to help in other ways like more days off and landscaping our yard.  These things are great and will be a huge help.  What's not to like about more time with family and a yard we can use?