 So I have been just going back and forth with my husband and ping-ponging in my head about my current situation. So I gave birth to my first child. Yay! What'd you have? A little boy. Little boy. Awesomeness. Very cool. Yeah, we have no debt. We use the envelope system for eating out and for groceries. Those are the only two, though. And we're just really, we're minimalists.