It’s the end of the year, which means Christmas shopping and budgeting for next year. For us, it also means that pretty soon we are going to be adding another child to our household and all the costs (*cough* daycare *cough*) that go with it. I have been thinking about money and finances a lot lately: how to save it, where to spend it, and how to make it matter. It’s a never-ending battle. We’ve been working on paring down our spending for awhile in anticipation of a drastic increase in expenses. Here are some things we’re doing to save: Took a look at all of our recurring bills. Canceled or cut back on the non-necessary expenses (cable, subscriptions). Changed…
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