HI,
I am Lori, or Agent Snarky.  I have lived most of my life on a shoe-string that is often frayed, yet have managed to raise my son (now 30ish) w/o child support, help him go to college and we never had to go without. He moved out quite a few years ago, and I do find there is more money for gourmet food!   I find contentment in the fact that I take from life what I can use, and have lived within my means my entire life and have accrued no debt.  I consider myself to be one of only 3 people I know whom are poor republicans. I have been able to keep a roof over my head by being frugal and thrifty and thoughtful, even while battleling disabilities and disease. My secret?  Saving for a rainy day.  Trite, but true.  Best advice?  Listen to your inner voice.