February can be a challenging month. After the long, dreary month of January has passed and with kids entering mid-term break, the temptation can be to back off your financial goals. After all, it’s the month where advertisers kick into full marketing overdrive to separate you from your cash with their savvy Valentines-themed marketing drives because they know how tempting it can be to have a little fun. Who could blame you. January was such a long month after all, those grey days of post-Christmas austerity, who needs that?