live below my means

My current budget is allowing us to rapidly pay down our debt while putting a small amount of money away for vacations & emergencies.

My husband is working to reduce/eliminate his smoking, which will free up money. Our only other non-essentials are books, music CDs, & movie DVDs. We have no cable or satellite TV costs.

We have the privilege of living in Europe for a few years, so we want to make the most of our traveling opportunities. However, this year has seen some large auto repair expenditures, which is eating away our savings. That’s making it harder to not pull out the credit cards

I wish to learn to live on one-half my current pay, while participating in occasional worldwide travel. Excess funds will be invested to ensure my retirement returns are equivalent to 10 years of my current pay (inflation adjusted).