– We’re on the back half of the year now – it will be time to start thinking about holiday travel, gifts, and additional year-end expenses, if you need a few months to prepare for those!

– Did you remember _________’s birthday this month?!?  Our family has a lot of birthdays in August, so I thought about those special celebrations.  Don’t let those trip you up – it’s not too late to adjust the budget to include a gift for someone.  Remember, budgeting (and the financial progress it brings you) will allow you to be even more generous with the gifts you give in the future!

– A great way to deal with those once-annual expenses like vehicle registration, some insurance premiums, and taxes is to divide the total cost by twelve, and budget for it each month.  But you can’t be spending according your checking account balance!