Thanks for suggestions
I do appreciate these responses. I can and will try the suggestions.
In response to the question, when asking my son about financial issues, he has said he can't figure out how people manage their money. Problem is, he doesn't really have the self control thing down. So when most of us want to spend money, but we know we can't cause there's going to be a bill due, we don't spend it. I honestly thought about getting him a book about budgeting.
Thank you for the help.