This link is what inspired my thoughts here. http://projectworldawareness.com/2010/07/10003/ My father called it living on Champagne tastes with a Beer budget. Americans are for the most part, a spoiled,living above their means type of people. I know many that have maxed out their credit cards to take elaborate vacations,or buy things I could only dream of.I know a lot of people that lost their homes to foreclosure (I never knew how they afforded them in the first place.)My home is simple,quite cozy & very welcoming.It is also paid for.I stay at least 2 months ahead on all my bills & never buy anything unless I pay cash.All the hype about credit scores & constant junk mail offering me credit cards to put/keep me in debt is straight up bullshit. The secret to a happy life is to be happy with what you have,blessed that you have it & envy no one else. Get by with what you can afford (FYI The Jone's can't afford 1/2 the crap they flaunt.)Years ago when I was a young mother, I lived on a farm in Tennessee.I became friends with a wise old woman who taught me how to make quilts,soap,candles,can food,dress out a deer,hog or anything else.If life were to go back to basics for me, I KNOW I could survive & probably be a lot happier.