Wow, sledward, my sympathy. That's rough.
In regards to wants vs. needs, check out "All Your Worth" from the library. There's a very good discussion in that book about how to "balance" you money, so that 50% is spent on needs, 20% is spent on savings & retirement, and 30% on wants. Once your fixed expenses and obligations are trimmed to ~ 50%, everything else gets easier. There's a good summary of it here:
Good luck with your goals, and I hope the job settles out.
Thanks Sandi, for both the kind words and the advise!!
It's getting easier to cope with, the loss, and the finances! And I am sure once I get a system down, it will be good to go!!
I have to learn to plan ahead too....which I have never realy done before....for example I donate every year to the Shriners Hospitals for Children........never did I budget that, but thats changing too.
I always seemed to forget the "yearly one time fees" rather than cutting it up into a monthly payment so to speak.
Anyways, thanks again.