Times are tough for just about everyone and money just doesn't go as far as it use to. Salaries (if you are fortunate enough to have a job) haven't kept pace with inflation and many of us are scrimping just to make ends meet. I know many people who have a full time job and than one or two part time jobs in addition just to try to get by.
I know someone who is all most always in a financial bind and that person brought to mind this morning the sometimes difficult decisions that have to be made. Of course it is easier to be on the outside looking in when you know someone in this situation but when you can't pay the rent, the electric and water bills and don't have money for food it's time to make the cuts that have to be made. You don't need a fancy phone with all the charges that go with it, you don't need cable TV with all those stations. It's time to let go of what you think you have to have and focus on what you do need. A roof over your head, food on the table, electricity and water. Sure all those other things are nice to have but...do you really need them?