As we transition from the summer to the winter months, money may become a more talked about topic in your homes. Spending more time inside may cut down on certain bills, but increase others such as heating your home, and the holiday shopping season. Now is the perfect time to start strategizing how to save your hard earned dollars and guide yourselves into the habit of having better money management.  List Out Your Expenses Your expenses can vary month to month, which is quite common. The best place to start managing your money is to gather a general idea of your expenses. Creating a quick list of things that you…