I can't even imagine how to cut back $500 a month. My utilities have gone up, my health insurance premiums have increased, the cost of groceries gets higher every month, my property taxes increased $200 a year, Puddy's subQ fluids went from $22 for 2 bags/lines/6 needles to $29 for the same amount of supplies, one med went from $34 to $48 a month for the cats, gas prices are skyrocketing. My income has stayed the same and I'm now looking for yet another job. Just where do these "experts" suggest I cut back? I'd really like to know. I only eat out on special occasion such as birthdays, etc. I hardly ever go to the movies any more. It's becoming more difficult to visit my son in L.A. because airline tickets are so expensive and the airline that I had perks on is no longer flying from Cleveland. Even a business conference that I've attended every year for several years is out of the question this year because it's an 8 1/2 hour drive and the gas expense would be ridiculous, not to mention hotel accommodations, meals, etc. If I think about it for too long, I get panicky, so I try to just stay on track w/positive affirmations and tell myself that I've been ok this far in life so I need to keep the faith. I feel like I'm no longer living but just existing. This is not where I thought I would be at this time in my life.