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This is a very tough time of the year for most people when it comes to finances. I applaud you for realizing your situation and not spending money that you know you don't have. I agree with winneythepooh7 about not living the lifestyle that others seem to have. I'm willing to bet that most people who can afford to spend lots of money constantly don't have major bills to pay (rent, gas, electric, etc).
Have you looked into a part time job that you can work on the side to make some extra cash? I'm not talking retail or restaurant, but something you can do on your own time. Party Lite, Mary Kay, Avon, etc. are all ways to make extra cash without having to spend a lot to become a consultant. I know plenty of people who make this their full time job because the income is so great. Just my suggestion. Good luck!
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