I don't want to jinx myself but it seems to have always worked out for me one way or another, as far as keeping up with finances and getting kids. Last fall was a little tight because the past 2 years I had lost a total of 6 kids to K. That was tough, pocketbook-wise and dynamics of the group. I only have 1 child left from the group I had 2 years ago. 
There were times I should have termed but didn't. It was usually because the problem child came with a sweet sibling and great parents.
MV had some great suggestions for cutting corners. I'll have to check out Dave Ramsey's book.
As far as saving money, what I do is whenever I spend money(I always use cash when I shop), I'll put all the change and ones I have into a jar. It mounts up very quickly. When I cash/deposit my checks I only keep out a certain amount then try to spend as little as I can during the next week. Anything I have left over on my next banking day also goes into a jar. I ended up saving 1200 last year for Christmas. Plus I do Swagbucks so that earned another 5-600 towards Christmas.

There were times I should have termed but didn't. It was usually because the problem child came with a sweet sibling and great parents.
MV had some great suggestions for cutting corners. I'll have to check out Dave Ramsey's book.
As far as saving money, what I do is whenever I spend money(I always use cash when I shop), I'll put all the change and ones I have into a jar. It mounts up very quickly. When I cash/deposit my checks I only keep out a certain amount then try to spend as little as I can during the next week. Anything I have left over on my next banking day also goes into a jar. I ended up saving 1200 last year for Christmas. Plus I do Swagbucks so that earned another 5-600 towards Christmas.
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