Do you live within your means?

[mredskins]

Originally Posted by Schneed10

Let me clarify. If you're spending more than you're making, then you need to pinch pennies. Otherwise you're never going to retire, and you'll be flat out miserable when you're working at age 70 to supplement social security in an attempt to pay off debt. The "I hate cheap people" viewpoint is fine if you make enough money to generate savings and still save money. But if you don't make that much and you're going further into debt, then spending is one of the dumbest things you can do in life.

Well you have to spend to live no way around it.