Some people need to live frugally, it is quite understandable when you consider the income you have coming in is just enough to cover your living expenses. Retirees are a great example. My grandparents worked for most of his adult life, he loved my sister and me with beautiful gifts, regular dinners out and they took with them on vacation. But when at last they retired both quickly realized that with only social security and small pension my grandmother had had to make big cuts to allow your mortgage and expenses. The dinners were ceased, as the holidays ended. The funny thing is my grandmother's task is not spending kept her busy, when in fact working full time. So what happens when you realize that revenues will not improve significantly or the prospect of getting a better paying job is not an option?
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