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Our eldest two children are finally old enough to budget. To understand, earn and save (and certainly ready to spend!!) their own money. Luckily, we have been trying to teach them about money and budgeting from a young age. But because we have never let them do it all themselves, we are now giving this a shot.

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Every January the memes start, and the month seems longer than the ones before, and we swear next year we’ll be better with our money. So many of us get January’s paycheck earlier in December, and although we know it’s supposed to stay in our account till January, the self-control is weak. And we dip into next month’s salary… And come January, we feel the Wallet Hangover.

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