Naturally cutting back if possible is something one can immediately begin. However I wonder what percentage of people would go the extra step to look for new higher paying jobs, take on additional part-time jobs, or use their situation as inspiration to climb the next rung of the ladder of success rather than cut back on their lifestyle assuming it's not over the top.
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Not a failure but wiser. Compare yourself to a few years ago. Then is a few years compare yourself to now. My financial situation compared to 10 yrs ago is way better, not what I want it to be but better
Pretty much. Considering the dumpy Nowheresville I live in, the prospect of simply earning more money is positively laughable.
I have a personal philosophy: if you can't raise the bridge, lower the river. That means trim your expenses if you can't increase your income. If I can increase my income, I apply it either towards building up my emergency fund or paying off a debt.