re: How do people let themselves get into such dire straits financially?

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internet is probably being used to look for work...

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Maybe, but you can always use the library/free business wi-fi. When we re-adjusted our finances, we cut all the cable and went to the lowest cell phone plan we could. We also didn't eat out at all, cut out alcohol, and planned each meal a week ahead of time. It took a good month to fully adjust, but it was well worth it.

Granted we did these things because we were too prideful to ask people for money. I'm not faulting those that do, I just think the way we approached it was a better lesson for us.