So, because of IP Daley I have convinced my husband to move to dsl extreme (we still need to check if our equipment will work) but either way, as of next month we will be saving a few dollars. And we are waiting till I am out of contract (by the end of the month) but I have him convinced of going with ting. I did have to bribe him with a smart phone but oh well. Even with that, between the two we will be saving $300 even if we spend $100/year replacing phones.
Granted that savings is just .75% of our current expenses but is a start! And we are moving our daughter from her overpriced daycare on campus to closer to my job when she turn 18 months (she does not like change so we are waiting till then) and that will save $140/month a 4% savings. Things are kicking along and I am pleased. I am glad I found this forum.