This is going to sound like your parents/grandparents advice, but whatevers: It makes me sad that many people are unable to live within their means. I have a lot of friends who make good money, but spend it as fast as they make it. They are then forced to go and beg for a raise from their boss, thinking, “if I just made XXX more dollars a month, I wouldn’t need to worry about money anymore”. However, once they are granted the raise, they think, “hey, why not treat myself a little bit? I can afford to buy XYZ now…” And thus the cycle continues.
Though, I am thinking about hopping into the cycle and buying myself a hot new car.;)