Keep track of most of your spending throughout the month. Depending upon how detail-oriented you are and the tools you are using, you can track every day, once a week, or once a month. The important thing is to be aware of how much you are spending and how that compares to what you are actually spending. If you compare what you spend each month to your budget and adjust your expenditures accordingly, those months that you find yourself short will become fewer. As an added bonus, you will be creating habits in your kids that will help them throughout their lives.
Kids are a joy, but at times an expensive joy.
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