Dear Penny,
We are a two-parent household with three children under 10. We make about $7,500 a month combined but still struggle and end up living paycheck to paycheck.
We have no savings. We do not have credit cards, and our student loans are paid off. Our cars are paid off but often need repairs. We will need a new one soon. We bought a house last year.
We have child care ($600 a month), a mortgage ($2,750), then utilities and insurance ($500). Groceries are about $1,000. Gas is about $200. Then there are the extracurriculars, like swim lessons. We
