This is not meant as a smug rejoinder.
All I had to do was go through a stretch where we went from being comfortably +$3000 a month to -$500 a month when the wife was out on disability.
I was amazed at the notches in our belt we could pull in on when our life depended on it. I had three budgets. Normal, one with childcare, and the absolute hold-your-breath-as-long-as-possible, budget.
It frankly made $6/gallon gas seem like child’s play. It’s healthy to review your life. It’s healthy to play what-if.
Staying home with the family for a vacation? That’s kinda fun. Eating home made burgers instead of steak? Yeah, not so bad. Carpooling with the wife and getting another 40 minutes a day with her? That’s pretty cool too.
As far as the ‘You can’t possibly need such a big vehicle ALL The time!’
We had two small vehicles. It meant making two trips if you had to go to the grocery store and anywhere else. It’s not being very fuel efficient if you’ve gotta run all your errands in a hub-n-spoke fashion.
Don’t look at this with fear and anxiety. Look at it as a challenge. How CAN you cut corners to survive this? (as if survival was really at stake)