Manal Stulgaitis' children at play in Denmark (Photo courtesy Manal Stulgaitis)When Katy Dicks’ two children were both in childcare programs, she and her partner would dread sitting down each month to have the hard conversations about which bills would go on their multiple credit cards, the highest with a 20% interest rate, and which they could pay outright. “It’s a constant budgeting game,” Dicks said, although she and her family watch every pe…