Late July and every August is financially tight month. With back to school supplies, clothing, classroom fees and sports/club dues our family spends every September getting back on budget. This year my husband and I took an extra week (without pay) from work to go on a cruise with our children. Since we have zero credit card debt, we used our monthly surplus to make up for our loss of income in July. This September my family is getting back on track and ready to start saving for the our fall Continue Reading