Finding less money?

We have officially changed the Cash: Travel category to Cash: Entertainment, which might not exist after today's findings!!!  Brenna and I have pulled both of our credit reports and including our mortgage, we are exactly $145,185.33 in DEBT together, until death do us part.  We are going to be strong and diligent in our cash flow efforts to nail the first three months so we can ensure an efficient budget.

In the Beginning...

Well it has finally happened!  Brenna and I have sat down and have finally put our money to work for us.  We had bought Quicken to help organize our finances a couple years ago and have finally been un-busy enough to sit down and use it.  We have successfully logged how much we make and split it up to what we think is a first step towards living like no one else.  The first three months will be our trial and error period.  This will allow us to track where and how we spend our money by tedious NOTES.  It will take a lot of discipline and sacrifice for our first few months, but there is a 'light at the end of the tunnel'.  We have allocated each dime to one debit card account (for mortgage, electric, insurance, internet, and phones) and nine cash accounts.

   Cash categories:
Tithing:  The classic 10%, but from the top of the paycheck before the government gets theirs.
Emergency Fund:  We have to have this before dept reduction begins Dave says.
Groceries:  Self Explanatory, but each item is noted and priced.
Gas:  Fuel for the vehicles, separated to see who goes further.
Home Improvements:  Welcome to our house.
School:  Our kids are schooled by their wonderful Mother, so many supplies needed daily.
Clothing:  With two girls and one boy, I don't want to see my son in a Dora shirt.
Travel:  This is of the least important because they can come see us.
Extra:  Reserved for Bonus allocation, or other cash flow that will be filtered into first eight categories.