[JeremyStein]

It's not a matter of skipping Starbucks, buying clothes from a department store, and having a "staycation". When you're paying $3000/mo for your mortgage, $1000/mo on school tuition, $800/mo on your car lease, etc. you can't cut your expenses without making major changes. And, if you expect to get a job in the next few months, it doesn't make sense to move to a bad neighborhood, transfer to public school, and buy a used car.