Groceries: 275
Household/Cell: 635
Car: 200 - I am optimistically dropping this by $50 because DH will be out of the school for several weeks.
Medical: 40
Clothes: 20
Loans: 300.36 (probably will not be able to pay any extra this month due to the tuition bill)
Entertainment: 100 (I can drop this amount too since bowling ends next week - no more babysitter!)
Gifts: 50 (one belated birthday and one anniversary)
Miscellaneous: 100
Real estate: 50
School: 1493
Investment: 100

Total expenses: $3363.36
Estimated income: $3150
Ok, that's not good...but understandable. I would much rather dip into savings one month than take out another loan for DH's school. So we'll manage.