I think we've had it too good for too long and now we're paying the price.

How many previous generations had cash to spare at the end of the month to do some of the things you read about on here? My mum and dad both worked when I was growing up and we didn't have some of the luxuries you see plenty of folks with today, I reckon we've been heading for this fall for a long time and now its here.

My guess is if you're struggling now then brace yourself as its only going to get worse before it gets better.