Half of the year gone already, and it's almost mid-July. Before you know it, it's already December and this means a lot of Christmas shopping and expenses. It also means need to review the household budget as we need to to save up not only to accommodate our holiday shoppings, travels but of course time for renewal of life insurance quotes. Aside from setting aside budget for our premium insurance, we are also paying for our fire-protection insurance and even upgraded our health plans with the arrival of our new baby. Plus the monthly amortizations of the house and cars ...whew, bills are never-ending! Good thing the husband and I conducts mid-year household budget review excercise. This way we know which bills to settle and prioritize for full payments. Otherwise, will end broke just before the holiday season.