Parents want their children to have the best start possible on that first day of school. For most parents, giving children a good start means that at least some back-to-school shopping is in order. Children may need new shoes, clothes, and backpacks along with at least some new supplies. But how can parents on a budget draw the line between wants and needs? Especially when a child is begging for a fancy new backpack when the one from last year is perfectly fine? Will it affec

Because my soon to be 21-year-old sister is about to find her path to Europe and I remember exactly what it was like to work 7 days a week, night and day, to make it there... Here are the 10 Top saving tips before your gap year: 1. Eat from your cupboard First things first, the one thing you can't go without is food. BUT... since this is something you will be spending money on - do it wisely. Whenever you can, eat from your cupboard. Making the time to go to the shops and buy