YP – What happens if we don’t have a budget?

Parents can stock up on their child's school supplies and wardrobe while saving money during the tax holiday.

The drop in immigrants and rising Baby Boomer retirements mean that fewer people are competing for work. As a result, the so-called break-even point — the number of new jobs required to keep the unemployment rate stable — has likely dropped to near zero, from the 155,000 new jobs per month that was typical two or three years ago, according to a Federal Reserve report.