Debts and bills cause stress. Our goal is to make the best use we can of our resources for the benefit of our families . We want our homes and family to look well cared for, but we will not spend money beyond our means to accomplish that goal, and we will not compare ourselves with anyone else. This is achievable by everyone, whatever level they are at. You can't do more than your best.
People have problems due to many factors in life, some beyond their control.
As long as you are headed in the right direction, you should have peace of mind knowing that you are doing all that you can to improve things. You may end up in a place you do not like. It's fun to have things you want when you can afford them, and have sacrificed in other areas to achieve them. People of all incomes can be frugal. It is a state of mind.