Money is not easy to save when we are having to pay for food (i.e. groceries and eating out costs), shelter (i.e. mortgages or rent), clothing (i.e. a winter coat), and transportation (i.e. subway/metro fare, and/or a car and gas for the car). Likewise, if you have children, you already know that the amount of money in your bank account or savings account might not be as much as you’d like it to be right now.