Are you familiar with the phrase “More Month Than Money?” It means running short of money either before the end of the month or before your next payday. It’s a condition with which most wage earners are familiar. It was my problem for many years.

I’ve been married to Lois Lane for more than forty years. We raised two daughters. I’ve had several “careers,” and, I’ve always had a decent income. What I didn’t always have was an effective way to manage my income. I’m not an accountant; just a breadwinner who, when I first got married, couldn’t make the ‘bread’ go far enough.