Read Nickel and Dimed if you are interested in a fascinating account of a journalist who went "undercover" to try and experience living paycheck to paycheck. Its an extremely good book.
Yes, and don't forget to also read
this review of far-lefty activist Barbara Ehrenreich's union organizing pamphlet called "Nickel and Dimed" which shows that many of Ehrenreich's fascinating conclusions were not even supported by her book nor by her experiences.
The problem with most people, and I know a fair amount of blue collar working class people, is they get themselves over-extended, buying and charging and spending with aplomb (SNL - "must consume mass quantities"), until they get at a point where if the slightest thing goes 'wrong' - and things DO go wrong - such as a major unexpected car repair or they cannot work for three days, they find themselves slipping ever behind on their bills.
I know, I was one of these people, until I stopped buying all sorts of nifty but completely non-essential goodies I couldn't afford. People spend too much of what they make, confusing matters of luxury with necessity, confusing "want" and "need".
The other problem is that people manage to screw their own lives up, making flagrantly poor decisions which carry lasting consequences, then "expect" someone else to bail them out. Is it MY problem when a 15 year-old girl goes out with this "cool" 18 year-old guy who has been in and out of jail, uses drugs, has zero character, and when she becomes pregnant, the guy bails on her (like 99 out of 100 people could have predicted except her)? She drops out of school, yadda yadda, and I'm supposed to feel sorry for her because she can't get any jobs that pay better than a hotel maid? All of a sudden the company is "evil" and "greedy" because she f-cked her life up?
Sorry, I know exactly what Barbara Ehrenreich is selling, and I'm not buying.