Awhile ago I conducted a survey and asked my readers a big question: When it comes to saving and/or managing your money, what is your biggest struggle? Your responses were overwhelming. The lack of money! We know what we want to do, but it seems that we were derailed 5 years ago, and we can't quite get back to ground zero... :-) Unexpected expenses. There's not enough money from the get go, so it's hard and stressful. Seems like every time my husband and I save up money something comes up like new tires, furnace goes out, all those unexpected costs. There's never enough money. I always have more on my list to buy. Urgent things that come up, Keep Reading