The road to financial freedom...

So here's the deal. We're broke. Not poor, just broke. We live paycheck to paycheck and it's just rough. We can't live like this forever. It's not safe and just doesn't make sense. So we have to develop a plan. A plan for today, a plan for tomorrow.

What can we do to get out of this financial mess? I think it's obvious to state that I'm not a financial planner or expert by any means. What I'm planning is based off what I have read and been told and plain ol' common sense.

We can't save money if we don't have money to spend. So the first thing I have done is lowered our monthly bills as much as possible. I've only made a few changes but already I have saved us about $120 a month on our TV and cell phone bills. We are all working on using less electricity and gas to hopefully bring those bills down as well.