One word. DAYCARE. Right now, only my middle son is in daycare, the baby stays with my MIL while I'm at work. Next year is going to be HORRIFIC though. Both of them in daycare. That'll run me about 1100/month on daycare. Couple that with a 415/month vehicle payment, cell phones, and credit card bills and I'm kaput. Our house is already paid for and my husband covers utilities/cable/etc.