Ok, I need to stay focused here on the goals. So here is my list, which I plan to post somewhere I can look at them everyday (listed in order of priority):
1. Pay off Discover $628 balance
2. Pay off American Express $4530 balance (0% interest until 8/07)
3. Pay off car loan, app. $1000 balance, 3.75% interest (this was a higher priority until I realized that I am only paying less than $4 per month in interest!) - at $200 per month this will be paid off relatively soon anyway
4. Pay off my student loans $6200 balance (about 4.6% interest)
5. Pay off Dh's student loans $15145 balance

After I get #1, #2, and #3 done, I will start to contribute to our Roth IRAs again. We took this year off as DH was not working. I think we managed $2000 at the beginning of the year, but there is no way that we can do that now. It is going to feel SO nice to start checking these off, one by one. I will update my progress here, although the only thing that will get paid off anytime soon will be the Discover (before 10/1 or else we'll be paying interest).
More to report: started my first envelopes today. I have $100 in a grocery envelope for now until the end of the month. Should be easy to stay within that range and eat out of the freezer more. I also put $80 in our entertainment envelope to cover bowling and babysitting expenses for the rest of the month, plus $10 leftover for anything extra we decide to do. These are the only cash expenses I have - all other expenses (gas, student loan, car loan, medical, etc.) are non-negotiable and paid for with a check or debit card, so I really don't see a need, or way, to include them in the envelope plan.
Dh seems to be on board here - he has been making a pot of coffee to take to his teaching position in a huge, huge mug I found for him at a garage sale. He is also packing his lunch each day. What a guy, what a guy. I love my guy Ooh, he just told me too that he brought a 12-pack of soda in to school to (from extra we had at home) so he doesn't have to buy any while at school. Now if I could just get him to give it up altogether baby steps, baby steps!
And now I just asked him if he had any cash - he has $25 left from $40 he took out four days ago. When I asked him where it went, he said coffee...snacks...soda...ARGH! One step forward, two steps back. I just told him the no spend plan for the next two weeks and after rolling his eyes at me, he grudgingly agreed. I think he knows we need to do this...but knowing and doing are two different things.