I feel like lately I have been really struggling to keep up with my bills. I don’t know why because I make a decent amount of money each month and I am normally right on track with all the bills. However, I would say for the best six months it has been really hard to keep up. I think the kids are really taking a toll on our personal finances. Not to make it seem like I don’t like taking care of my kids, but they do cost a lot of money. I have five children and all of them have extra curricular activities that they like to play. We really want to make sure the kids are involved so we let the bills take a back seat. It could not have been worse timing last week when our air conditioner stopped working. We were just getting back from my oldest son’s football game when I noticed a strange sound coming from the HVAC closet. I didn’t know what the sound was and I was nervous something was wrong with the air conditioner. My worst fears came true because the air conditioner completely stopped working and we didn’t have any way to pay for the cost of the repair. I called a local HVAC company to see if they could help out, but they didn’t offer financing options. I knew that my wife and I were going to have to do something quick, so I started to pick up extra shifts at work to help pay for the HVAC repair, it was summer so the house was getting hot quickly.