Financially - What Part of the Year is Most Difficult?

**Mom2-3** · 07-10-2010, 05:46 PM

I understand what you are saying. Our income flexuates. I only get paid if I work. No sick leave or vacation. DH gets a lot of overtime, but it is all seasonal.

It's personal finance for a reason. Take ideas and make them fit your family.

**Jenny WC** · 07-10-2010, 09:33 PM

For us I would have to say we seem to always struggle in the months on Nov, Dec, Jan and Feb. I think its with the holidays and winter bills being up. That is a harder time for my business which of course means I bring home less money.

Jenny

**Bobby Rodgers** · 07-12-2010, 03:39 PM

Winter time. To limit it I try and do some holiday shopping over the summer.

**StanleyJohnson** · 07-12-2010, 04:05 PM

April through september we run surpluses.
October through March we run deficits.

Part of my pay is based on commission. The summer months are better for us.

**Dutchie** · 07-13-2010, 03:45 PM

Our tightest times are Aug/Sept and Nov/Dec.
The trouble is that we do it to ourselves.

Aug/Sept is the time when we literally 'pay' for the vacation that we usually have just had. As I write this we just came home today after being on vacation and I hardly dare do the finances.
STUPID I know.
The trouble is that when we are on vacation we love it so much that we book another one right there and then.
However this time - although EXTREMELY tempted - we didn't do it so things should be better next time.

Nov/Dec is as a lot of folks mentioned - Christmas and 2 of our kids celebrate their birthdays.

As usual each year I promise myself that I'll do better next time.

**steelergal** · 07-14-2010, 08:42 AM

For us it is mid-July til December. I start work again at the end of December- so it does not help out very much. You name it, taxes, higher bills, winterizing, Christmas, restocking up on groceries (especially with the winter we had last year!), propane, even some of the summer things we have going on.

I am currently in mode to crack down on everything!

**WV_mom_of2** · 07-14-2010, 07:10 PM

November - May I am laid off from my job from November 1 to April 1. I don't get paid for a month once I start back.

I stockpile all summer so that we have alot of food, hba, paper products in the house for winter. We also eat simple meals that are cooked at home(alot of beans and soups).

**NikoSan999** · 07-17-2010, 06:55 PM

Our worst times financially of the year is from about mid May till late October,. This is when the "snow birds" go home and the fruit/pickers leave. Business is really slow then..REAL slow. I stock up during winter for this time as best possible