In the last few months things have been a bit harder in our home. Hubby was laid off for several weeks and thankfully got his job back.
Then I stopped getting paid from my job (I am a part owner of a bike messenger service in Manhattan) the decision was made out of need not want or luxury. It was a choice between closing the company in 6 months to a year or do everything we could to save money for 6 months to a year, and keep the company open.

We opted to cut my salary completely...