A Budgeting Dilemma

I recently borrowed a book on getting out of debt from the library, and I'm trying to incorporate some of the philosophies into my own life. I have to admit, my debt burden has been weighing on me heavily lately. Things have happened in my life in the last year that would have been much easier to handle if I wasn't so debt-ridden, and it's time for me to take control of the situation and try to start living my life instead of just attempting to survive from one week to the next. However, that does present a few dilemmas for me.

For one thing, the program about which I'm reading suggests donating 10% of your monthly income to charity. I can understand and appreciate this, and I intend to donate some money, but 10% of my monthly income is a lot for me, when over 50% of my income is already going for rent and student loan payments, not to mention my EXTRA student loan payments, food, and utilities, which also take a large chunk of my income. So for the moment, I'm going to donate 2.5% of my income as small monthly payments to four of my favorite groups: Partners in Health, The Central Asia Institute, NPR, and Heifer International. If it does one thing for me, at least it will remind me that no matter how bad things may seem, a lot of people in the world have it a lot worse.

The next issue is where to cut costs. The book suggests all kinds of things that don't really help me - don't go for coffee every day, try keeping a one-car household, cancel your cable TV, etc. For the most part, I don't have a lot of these expenses that are often considered necessities of modern life. One of my splurges has been food - I believe strongly in buying organic, local, and sustainable, and that's not cheap. I'm working on figuring out how to balance saving money and not compromising my belief system, all while eating healthfully. Suggestions would be welcome.

As far as my garden goes, things haven't been great. The heirloom tomatoes look terrible, the pattypan squash is almost dead, and I'm not sure what is up with the cucumbers. At least the corn, green beans, and peppers are doing well.

And that's all for now. I'm off to work a bit in the garden before it gets insanely hot, then coming home for more chores... Hopefully it will be a productive day!