A few simple budgeting tips for those who don't have money to burn.  After years of trying to figure out how to accomodate our ever growing monthly household expenses, college funds, retirement funds and still keep up with the latest children's fashions, very modest vacation every now and then, etc....I finally found that the "run of the mill" tips and tricks didn't work for my household....so I tweaked them to work for us.  I'll share them here.