Bills, Bills, Bills

It sometimes feels like there just isn't enough money to go around. Having a family of six, 4 children, Hubby and me we find that it is very difficult to manage our cash flow every month. The kids are all wanting to be involved in activities which is great because it gets them out with other children their age and helps them get some physical activity but of course when it comes right down to it, it all costs money. With 4 children we feel it is important that I stay home and be there when the kids need one of us, whether that is getting them to or picking them up from school, helping with lessons, preparing good meals. This makes it a little harder to manage our money as my husband works on a salary basis and only gets paid once a month. We pay up our bills, stock up the cupboards, set aside money for gas and hope nothing really unexpected comes up until the next month. It is so easy to get caught up in debt as there are always needs that fall outside of necessity with a home to up keep, repairs etc. We try to keep our bills tracked in a book and plan out how much to pay on each every month sometimes we think we should get a consoltation with a Debt Management Plan consultant to see if there would be a better way for us to navigate through our debt levels.