The crisp air of fall is descending upon us, the feeling of fall in the air makes me want to have a crystal ball and see into the future… the winter months are approaching, my income is highly inadequate and unstable, and I would definitely prefer to keep a roof over our heads through the winter, at least. All of this puts me in the situation of feeling uncertain of the future, desperately needing to stick to a budget, and doubting my ability to keep all the balls in the air (think juggling,people.)