New reports find that nearly 51 million US households don't earn enough to afford a monthly budget to cover food, housing, healthcare, and transportation. That is unfortunate. That's why those who can save should be doing everything they can to do so. This is especially true for new families. Here are a few financial tips to help you get started. Set aside emergency money �One of the reasons people do not have emergency funds is misplaced optimism. People think that if they are healthy … [Read more...]