Look... we all know - times are tough! Money is tight, 'things' are just getting more and more expensive, and it's hard to find more money to pay for all the things we need and want.
There's rent and mortgages, schooling, food, electricity and water (hasn't that gone up!), rego, rates, wine, clothing, dinners, shoes, beer, petrol, credit card payments, Netflix and a whole lot more! You name it, we all gotta pay it... And most times there's just too much month left after all the money disappears!