Yeah, I have always been pretty safe with my finances. I had a 6 month cushion, I had savings, I kept my spending low, but I went from a consulting job to a public sector job that saw my income decrease by probably 40%. Our household has very little overhead, and we can hunker down easier than most, but getting used to the decreased expectations was difficult. There were a few months of credit card debt after the transition just as you tried to pay down what it was that you were used to spending.
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