Jafarc,
How old are your kids, and how many? They at school? This makes a big difference. Pre school age you will do ok. School age things become a bit tight. Do you want family holidays each year? It all costs, and the older the kids the more it costs. I wouldn't plan on much savings until command time.
When I was FOing the profit cher use to pay off my credit card bill built up over the year. Unfortunately it would seem that cher won't be playing here anymore.
The don