appartment in an expensive area sucks up income. What if things aren't within walking distance and no mass transit? where do people cut back. do they quit school and work 3 jobs? I think A/C is a good thing to cut back on provided none of them have asthma etc. Obviously, cable and phone bills can be cut back or eliminated. What is the best way for people to budget?
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Make a list of your purchases and see where you can cut back. Are you buying too many clothes? Spending money on eating out at lunch everyday? Maybe a coffee or an soft drink on breaks? You can bring your lunch to school and work.
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