Hagridnan I’m so sorry to have upset you. Please forgive me. That’s the last thing I would want to do. I DID make a point of saying that my comments didn’t apply to everyone, and I also know people who have been in bad circumstances, as you have. I greatly admire anyone who fights their way through hard times. I remember, soon after we bought our first house, how the mortgage rates rocketed to terrifying heights, and the struggle we had to keep afloat.
What I was trying to say was that most people, if they make the effort, can manage to save a little money, at least, for emergencies. These days, in particular, so many waste their spare cash. Since buying on credit and loans became so popular saving seems to be going out of fashion, especially as interest rates are so poor.
I hope that times are better for you now. Being widowed so young, and with a young family, must have been a nightmarish experience.