Creating and staying on a budget can be very difficult especially during the Holiday Season. The demands on our wallets can leave us in danger of going not only over budget but also into debt... In this article I will talk about a system that our family has adopted that has helped to give us a better understanding of where our money is going and how we put it to use!  I will be honest it's been very difficult for my husband and I who are both pretty 'go with the flow' kind of people to take …

Read More