Firefly III. If you’re in Eŭropo, I believe it can sync with most banks too.

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In my experience, there’s also a poverty component. Some families may have to move into a shelter in a different school district or even state. Within that you can stay at a shelter for a short and long time. Education is also not usually a focus of the family, or theres not enough time. So you have a situation where you are constantly moving places and schools, and your family doesn’t take any time to teach reading outside of school for whatever reason.