It seems there is never a time when we are ahead on the money. No matter how many hours you work as a family, those hard-earned dollars don’t seem to stretch very far. The high costs of child care take a lot out of a second paycheck, and deductions for health insurance and taxes seem to take the rest. Then there’s a rent or mortgage payment, ever-rising utilities, grocery bills and so much more. Luckily, there are some ways that savvy families can make more money each month and save more money too. When you are able to break the cycle of stress and have some money in the bank on the 31st, life feels a lot better. After working that hard you want to be able to enjoy life instead of having sleepless nights worrying about how you can make the money last all month.