My parents really sacrificed so my mom could stay home. We ate lots of pasta, frequented yard sales, never went out to eat, used the library a ton, any trips we took were to relatives or in a tent, we grew and canned our own veggies and fruit, mended clothes, and generally as kids we just knew that we didn't buy things. And I have to say, from a kids' perspective, it was a great way to grow up. I learned great lessons about needs vs. wants and how to get creative with what we had. So I just want to say, even if you cut things out like karate, which I'm sure isn't fun to think about, I really believe that kids learn good lessons from cost-cutting too. Hugs to you...I'm sure it is a hard decision to make.