RE: You Only Have What You Have!
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Our budget has always been tight, since we lived on a single income and I was home schooling our children and paying for their books and materials. People would talk about "spare change" and I always have thought, "what's that?" Now we are retired and on a fixed income. Even though it is more than what some folks live on, I still don't know what "spare change" is.
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I hear you!
We haven't had "spare change" since before the kids went to college, and that was almost 20 years ago... and even then building any sort of balance was a challenge, and only effective till life threw the next disaster at us.
These days it just gets tighter and tighter, and my wife's meager "cost of living adjustments" to her SSI vs. actual inflation is not a pretty picture!