Does your credit card debt make you break out in a sweat? Do you always seem to be out of pocket even though you work and earn a weekly wage? Or, you find that there are more ‘rainy days’ than you care to count? You just can’t seem to stretch your monthly salary far enough to meet all your expenses, let alone have money left over at the end of the month to put aside to save. The sad fact is - you are living above your means. Not living below your means can easily catch you unawares if