We also try to pay extra every month for the principle. Your post has some very good points. 宁可是省浪费的小钱， 不省该花的大钱。俺要存心间啊! Grocery上俺家就不行了, 老是喜欢吃organic vegetable 和新鲜却昂贵地seafood.吃饭有个上限也很难做到啊!