<prompt> Human: Own a small business thats fairly heavily project based. So revenue is hit or miss at times. Had a big year in 2012, so had to ramp up staff, equipment, etc, however this year was slower. Going into 2014, not much business lined up the first quarter, so Im cutting some costs now unfortunately some staff, compensation, etc. One of those things is my base salary in order to make some space.Trying to figure out how to best address my personal finances to keep afloat, and cut where possible. Also, if I need to borrow money from myself, where to do that from. 31 yrs, married non working wife 2 kids under 4. 2013 Base: 140k 2014 Base: 100k taking 40k pay cut Based on 2013:Monthly: Takehome: 5,997.00after 16k annual to 401k, 6250 to HSA, heath costs, etcExpenses MortgageTax2,200.00 Groceries400.00 Television171.00 Electric133.00 Car Insurance130.00 Kid School115.00 Natural Gas110.00 Pet Food100.00 Pharmacy100.00 529200.00 Vet100.00 Shopping100.00 Travel100.00 Gifts100.00 Mobile Phone91.00 Car Gas65.00 Diapers60.00 Lawn35.00 Garbage28.50 Accountant28.00 Water15.00 Car Service30.00Total:4,405.50Leaves me about 1500, which is usually 1000 to savings and 500 on eating out, clothing, household, golf, etcSo with a 40k pay cut, about 3.5k a month, you can see my fears of making ends meet.Accounts 401k: 150k Brokerage: 135k Savings: 30k Mortgage Remaining: 250k Any suggestions on where to cut back? If i cant make ends meet, where to take money from? Savings? Cut back on brokerage? etc. I understand im not in terrible shape. Im very conservative and work hard, but this is the first time ive gotten myself into a situation like this and want to make the right choices. Thanks in advance.  <response>: Any suggestions on where to cut back? Television 171.00 Pet Food 100.00 Vet 100.00 Shopping 100.00 Travel 100.00 Gifts 100.00 Mobile Phone 91.00 Lawn 35.00 Car Service 30.00 