It’s the end of the month and you get your credit card bill, eyes pop out of your head and you think, WHERE IS ALL MY MONEY GOING? You’ve stopped eating out, you only buy cheap coffees, and your clothing and travel budget is nonexistent. You think you have no more room to cut costs.

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By Rachel Hall If you have kids or are planning to have kids, it’s likely that generations above you or even your peers have mentioned the looming “college fund” that we are supposed to have for our children, both born and unborn. And yes, if you come from a family with immense wealth, then perhaps

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You swear you are barely spending money, but somehow at the end of the month you have nothing to spare and possibly some damage to the credit score. It seems simple to “cut back,” but many people refuse to cut out most of their unnecessary spending, not for lack of common sense, but out of

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