Kids are back to school & Daddy is broke again

They say that the last days of December are not always the best days, especially for most family heads. They are usually broke from Christmas and New Year’s shopping, visits, parties and all the festive seasons expenses. The early days of January do not make it any better for countless reasons; either most kids are getting ready to go back to school, and are drying their parents’ wallets with back to school shopping and tuition, or parents are busy paying in kind for over spending.