Dear Agnes 'n' Senga,

How can I afford to live? I'm scared my kids will turn to crime because I can't afford them any luxuries but, because I do try to do my best by them, I'm being pursued by debt collectors and my telephone has been cut off. Please help.

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Let's face it, we are living in paranoid times. This is 2005 and freedom of speech is slowly disappearing into a sea of loathing. It has become so politically incorrect to speak the truth that it is almost impossible to conceive that people on this planet (millions of them!!!) still believe that men are the breadwinners and women the breadmakers... anyone who disagrees with this common, yet covert, belief should take a long look in the mirror and ask themselves what their true gender really is! Mind you, no matter what way you look at it, society now dictates that we all make bread! (Some call it dough, but I consider that to be a half-baked notion.)

Alright... how well off are you? How healthy is your budget? How healthy is your lifestyle?

The following list of expenses should be used to reflect your own true 'state'. It can be used weekly or monthly, depending on how you receive your income, but it must include the entire amount for your whole family, otherwise this just won't work! Get your FREE to print money chart HERE