WHY IS SAVING MONEY SO HARD! Sometimes I sit and wonder where all the money went. You want to know what's worse? Sometimes I cannot answer myself!

"Oh you have to save money," they say. "Invest for the future," they tell me. How do you do that when you have all the hassles and worries of today? Have you ever called in to work because you were low on gas and you didn't get paid for two days? Ok, so I've only done it once, but still!

Having kids and saving money doesn't work. Well, I'm sure it does because a lot of other people in the world do it, but I am yet to succeed. The sum of our savings sits on our dining room table in an old plastic pretzel jar. $192.34 – all change. It's a start, but no where near where we need or want to be. Even though we could use that money to pay some bills, me and the wife have decided not to use it. We are going to wait until that jar is full and then go on a vacation. We figure about $1000 will fit in that thing. Actually it's a great thing. Everyday we put any change left in our pockets into the jar. Our kids will find money on the floor or on the sidewalk and run in and put it away. They get so excited! I figure that it will teach them to save, and it will give us all a little getaway. God knows we need it.