I suspect you could substantially reduce expenses without your husband even noticing. If you are the primary purchaser, just think of ways to spend less. Have one more meal a week cooked at home instead of eating out or carry out. Limit buying clothes, shoes, and household goods for yourself and your kid(s). Get beyond the idea that specials occasions require new clothes. Read zerowastehome blog to recognize how much we all tend to spend on things that get thrown away. For example, don't buy new school supplies when your kids have enough of everything. Use a "30 day list" where you write on a list anything you want, but wait at least 30 days before buying it. It's amazing how often one no longer feels the want or need for the item. Food shop consciously. In my city, Aldi's has better organic produce than Whole Foods ( though much less selection) for half the price. End any monthly subscriptions you don't really value....whether it's a gym, Hulu, etc. once a year check for lower prices on phones, internet, etc. shop for car insurance. (When you have teen drivers, check what will reduce their costs....for mine a two day driving course more than paid for itself in reduced insurance costs). Read MMM's blog posts for many more great ideas.