For most kids it's nearing the exciting year end where school holidays are just around the corner but for poor mommy (who is not wrking since our "Indonesian alien" betrayor left us) it's gonna be a year end dilemma & "empty pocket phobia".
School holidays = more expenses (treats for kids, EVEN FOR SMALL simple vacation or outings coz mommy got 4 kids)
Year end = more expenses for Xmas gifts, E E's wedding (auspicious month), getting ready for school next year (uniform, books, new registration for nursery, etc, etc).
It's really no fun when you need to restrict your spending so much!
Do you have the same phobia of going through this Empty Pocket syndrome?