Figure out how and what you can spend, see if you can save a little extra and decide if you really need to borrow. It all adds up to a great way of putting yourself in control of your money.
Take a look at all your finances together. A little time spent planning now will make so much difference in the future. Besides getting things in order, it will help you feel more in control.
Bringing a little savings into the mix helps to meet those unexpected expenses.
Try banking anything you have left over before pay day, putting the children's allowance away for their future and if you can afford it, consider investing.