we are in the middle of the same process at the moment...living fortnight to fortnight, trying to pay out our debts (crazy 3 years of medical costs) and maybe get a small amount of savings!
Each month we think...ok, we'll have a few hundred left to save...but nope, another bill comes in and eats it...or the car needs a service/tyres and this month it is school books and uniforms/shoes that will take that extra few hundred away (and yes, i do use the uniform pool etc).
I guess i expected it to be easier...we clear about $90k between us and are still living fortnight to fortnight and with less (no) money for just fun stuff. We don't smoke, rarely drink, takeaway once a month or so...dh takes left overs for work lunches. I cannot see it improving till i graduate uni and start teaching...and that is 4 years away!
I feel like a hamster in a wheel most weeks!