For me, latter August-September means I have both parent’s birthdays to save for, a neice and a nephew as well, the local State Fair, and the Renaissance Festival to eat my money. It’s just a busy sort of time and I’m feeling pinched! I’m also very broke in January after spending like crazy on gifts for folks. May is tight too, since that’s when I plant my garden, and since I live in an apartment, it’s all new annuals and new dirt every single year. So there’s a definite ‘cycle’ of tighter periods throughout the year.