What is your most pressing financial concern, and how are you addressing it?

My husband and I opted against outside child care, so we both work part-time now and have cut expenses to make up for the loss of two full-time salaries. We sold the gas-guzzler, refinanced our mortgage, and started borrowing books and movies from the library and eating out only once a month. When my husband comes home from work, I head to my job. This allows us to have equal time with our son.

This tip comes from Real Simple reader VICKIE McKEE, Batavia, Ohio.