First of all you need to know how much money you earn, for some people this is easy you look at your Wθ form and there it is, but for seasonal workers, small business people, it gets a little more complicated than that. If you receive income from a lot of different sources for a realistic value of what you actually earn itemize them, put them down on paper. Include all income, now is not the time to be hide money from the IRS you are just fooling yourself, you need to have factual figures here of your true income otherwise you will actually think you're in good financial shape because you know you got this extra income somewhere, but that's not always true.
More Services. I am old enough to remember the days when families had one phone number. One phone number meant one phone bill. Now almost everybody carries a cell phone, and we still have a home phone. Our phone bills have doubled or tripled. We also have cable TV and internet services to pay for. These used to be luxuries, but now we rely upon them. _ Busy Lives. We are very busy these days, and it seems challenging to fit in everything we want to do.. Because of this, we tend to eat out more. When we do eat in, we rely upon expensive convenience foods. With rising prices, it is hard enough to keep the price of groceries under control. But now we are spending a lot more on food.