Brendan Burgess
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Then both make a committment to live like hermits for 12 months. Seriously. Step back from any type of discretionary spending - magazines, DVDs you name it (easier said then done with young kids). Put all the changes in place during this time and emerge in a years time in better shape.
There really is no need for this at all. You are both 24. You should be enjoying life with your young child. I am not suggesting reckless living, but don't become hermits. Oversaving is as bad as overspending.
Brendan