the hardest. Stop spending on anything that isn't an absolute necessity to maintain life, limb and safety. I have a neighbour/coffee buddy who watches 'Til Debt and is "trying". Very trying. Getting on my last nerve. I really try to stay out of people's business unless asked but have got to learn to say no more forcefully. She asked me to help so we made a great budget but she won't deny even a small gratification today for a big benefit next year. She says budgeting and living on cash doesn't work because there isn't enough to go around. Well not if you keep spending what you don't have or rob the Hydro to pay for more groceries than you have money in the jars for. She ended our last conversation because she was late for a mani/pedi appointment. Well I guess if you won't do your own nails for a year you aren't really serious about getting out of debt. I don't know how Gail does it. This whole bad attitude thing made me so cross I wanted to go all Bad Kitty on her and scratch her but unfortunately I chew my nails. Hahaha! OMG Gail, you make me laugh! Your stories of letters of desperation from people are very similar to some of what I hear at work. I am an accountant and a couple of times a year I get someone looking for me to make their CRA tax problem go away. The problem being they