I think......
If you have a full time job.
If you no longer have a mortgage or don't pay rent.
If you are not wasteful.....e.g not leaving lights on and using the washing line rather than the dryer.....boiling too much water ..etc etc
If you have a wife who can cook.
If you don't order pizza or other processed shit on regular basis.
If you don't smoke (or at least don't smoke too much)
If you wash your own car.
If you don't spend £3.50 five days a week on a cup of coffee from Starbucks.
If you don't have to pay out money each month for children you helped produce while under the influence.
If you repair rather than replace where possible.
If you buy 3 T-Shirts for ten quid rather than than £30 on a single designer items.
If you don't spend £150 non a pair on Nike trainers manufactured by 10 year olds in Africa.
If you can survive without spending £150 each month on Sky.
The list is endless.
The problem is that some people won't change their lifestyle. They will simply go on doing what they are doing.....and the consequences are inevitable.
If you have f*uck all to start with than you really will have problems.