some cold hard facts, page-27

Not hard,

Get rid of the mobile phones/internet, they are not a right, but a priviledge for those who can afford them. If they are for work purposes then they are tax effective somewhat anyway. Ditch the plan and have a cap. Work 5 hrs overtime p/w. Missy can head back to work after a few months. Rent it out and rent themselves somewhere else. If this wasn't factored in previously then hmmm.......9 months is plenty of time to prepare