I am reading 'Smart Women Finish Rich' and it talks about saving, not only the money from daily luxuries like coffee, but paying yourself 20%. My own grandmother brought her family back after her husband was not checking in. She did this is the same way; small and mean. There is nothing wrong with making changes. In theory, they might even be fun. Enough with the sour grapes. If you don't want to stay with grandma. there are many ways to do it, including.....pet sitting. But you have to like pets. What I mean to say is, enjoying life doesn't mean living paycheck to paycheck. This is where I check out.