Track everything you are responsible for and review that regularly that will hopefully help you cut expenses and possibly increase your income.  

Also unavoidable.This will most likely cut your cash flow down a bit. 

Stay laser focused on your goals and you will undoubtedly reach them.

So I believe I could cut a lot of cost out.

My question is this:  If I attempt to refinance out of the FHA loan, now that my PRINCIPAL has hit the 80/20 tipping point, does the lein from NSP count against the equity of the home, preventing me from closing on a conventional loan and cutting my payment nearly in half?

The guys came over at midnight with a handcart and cut the gas lines in order to steal the outside compressor for scrap!

It seems great but you just never know how high they can get especially with regulations being cut back in the months to come.This is what I recommend.

@Jason Hirko thanks for your post....You two made me feel that I am NOT totally crazy thinking 50% ish hair cut....Thank you

I'm hoping I can find a local purveyor in order to cut down on shipping costs which can be expensive.

I cut the learning curve these past 2 years studying under a great mentor and I am so excited.