Just when I get things working smoothly in my life someone or something messes everything up, ruins my serenity. I live on a very tight budget like a lot of people. When my expenses increase the money I use to cover the increase comes out of my food and discretionary fund. I frequently run out of money long before the month runs out. I usually have everything I need but it gets very difficult to make purchases of items that need to be replaced like clothing or dental and vision expenses.