chamalk...some real world advice since we do all joke so much...
My hubby and I have too many toys; I know, I know...you can never have too many...finances are sometimes hard with kids, daycare, toys, etc, so I started looking for the money we spend that doesn't really need to be spent...found that we were paying nearly $100 each month for our phone and one cell phone. The problem with that isn't just the cost, it was that we never use the damn phones enough to justify that...I insisted that we cut back, bought a calling card and bumped the phone down to the bare minium...the cell phone is convenient, especially when I'm riding alone...we dropped our service and opted for prepaid there too...cut DirecTV down to a minimum and bought TiVo; turns out there's plenty on, we just sleep when it's playing!
Just a couple of things that we did to save nearly $160 a month...there's always a way to cut some corners and keep the toys...