Budget

Savings $75
Roth IRA $300 (raised from $200)
Student Loan $194
Car Insurance $65
CC#1 $100
CC#2 $1000
Electric/gas $150
PITI $1288
TV/Internet $86
Gas $100
Food $600 (all together and far less)
Phone $70
Water $50
Misc Items $100

This is based on my salary and DH's projected income if he gets the job he is looking at or another one at the same level. It gives me something to work with anyways. I also have a budget (not bare bones) that we will default to if he ends up with no income. The current EF level would let us live on that budget for about 7 months.

The nice thing about the above budget is that it doesn't cut into the EF but does allow us to pay off the credit cards by October. This probably means no new windows until next year but such is life. Everything else at least will have been taken care of on the house so that is minor.