If you have never really analyzed and written down how much you spend a year on recreation, clubs, entertainment, movies, newspapers, magazines, and the like then you should do so. You would be amazed how minor variations in these types of expenses can save hundreds of dollars per month. Just think of the little things that are not calculated on your monthly budget. Think of what you spend on birthdays, holidays, activities, and so on for your kids. Once you have analyzed this you may begin to rethink your priorities and better balance your budget.