Cutting your coat according to your cloth isn't always the answer. Fine if you've a habit of overspending or just not taking care but if your basic outgoings are more than your hard-earned income, what then? I talk from experience - back in the 90s when the mortgage rate hit 15% my mortgage was more than my monthly pay cheque. Raising two kids alone, trying to juggle work with parental responsibilities - no tax credits or extra help in those days - every day was a struggle. Do you buy food, pay a bill or the motgage or shoes for a growing child? Some days I juggled bus fare for school or bus fare for work? It's not always a case of pull your socks up and do better.
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