Sometimes, sticking to a budget is hard. Whether you are saving up for a new home, or even a new pair of shoes you have been eyeing for a while, it’s sometimes hard to reach that goal. Sticking to a budget doesn’t have to be grueling, and neither does facing your financial strengths and weaknesses.  With the Valentine’s Day spirit in the air, there is something special about spending money on the ones you love, including yourself. During this season the chocolate, teddy bear, and