We live in a more expensive area of the world and I find these like items to be eye opening in how expensive they are. Yes, our house is smaller, but we pay $100-120 or so for utilities in the winter and maybe $30 in the summer. When we bought our house we got everything insulated: attic, crawl space, inside and outside walls. I’d recommend an energy audit because I expect you are paying to heat the outdoors.ChinchillaWhiplash wrote: ↑Wed May 29, 2019 7:28 pmAll of our cars are paid for and have 90k, 112k, and 110k miles on them. None are worth more than $15k. We drive all of them at the same time a lot of times. Our utilities are insane. Gas, electricity can be $300 each in the winter. Water is $100+ every month. Wife and son got stupid new phones for $1200 that makes our cell bill $250 month. I still use a flip phone and daughter does not have a phone. Trash $46, internet/landline $230. Nothing is cheap here.
You need to have a conversation with your wife about your values and what is really important to you. If you can frame things in terms of your top two or three priorities, it helps to put things in perspective. Is carrying a phone that costs more than my laptop more important than a college education or a secure retirement?
I’d look into your bills for phone service as you are way over paying for the service you likely are getting. Same with your internet and phone. I realize that us in the US have lousy choices with slow service and high prices compared to the rest of the developed world, but you should be able to get a very decent package for $70 a month.