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Thinkpads_User, I think you are referring to the person who is content on driving the 6 year old minivan and 150k house inspite of them earning more than their neighbour who also has the same items in their lifestyle.., right?
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&gt;&gt;people are overspending<br />
&gt;&gt;If we jointly earn 50k, she will spend 55k per year<br />
If we jointly earn 75k per year she will spend 85k per year<br />
If we jointly earn 100k per year she will spend 120k per year!<br />
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I am trying to see how it has and is working in usa.. is the overspending the $50 here and $60 there in grocery and walmarts.. is it more the $1000 carpets or $3000 dining suite..<br />
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Neilsr, could you see what is the difference you saw between the different times of spending.. from 50k to 75k (for example) was it just the same items, but bigger brans and hence bigger costs.. or were totally new items being got that was not got the first time around..<br />

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&gt;&gt;accompanied by increases in the cost of living <br />
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how? if they live in the same house and drive the same car, it should not make a difference, right?
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It is a fact that 90% of the planets population live on borrowed money. It is also a fact that almost all people live disproportionately above their means.<br />
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Its the &quot;I earn more so I can afford to borrow more&quot; syndrome.<br />

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&gt;&gt;&gt; It is a fact that 90% of the planets population live on borrowed money<br />
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I am not at all certain this is a &quot;fact&quot; . Half (roughly) of credit card holders pay off their bills monthly. This would not happen if they were all living on borrowed money. <br />
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Lots of people live beyond their means, but not 90% of us. &nbsp;.... Thinkpads_User<br />

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thanks for your thought out answerss
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Thank you. I was happy to help out. .... Thinkpads_User<br />

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yes, it is nice tech experts can apply in windows 7,for example,and logic applies to real life too, and perhaps much more.. once again, you made a difference..
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it is said that when more revenue comes lifestyle increases, then debt also and so forth..<br />
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is this cliche or close to real in western world..<br />
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i am thinking of scenarios like this: 2 family who earn differently, one more than the other, but they drive the same kind of cars (6 year old minivan) as the other family and own the same kind of home(150k range townhouses); <br />
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is this what the above phrase means.. because either one family is living above their means or one living below their capacity, one might save and one might go paycheck to paycheck?<br />
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what may be practical things in modern western world that makes it hard to cap in on credit card or other debt, in spite of occasional increments in salary?
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it is said that when more revenue comes lifestyle increases, then debt also and so forth..

is this cliche or close to real in western world..

i am thinking of scenarios like this: 2 family who earn differently, one more than the other, but they drive the same kind of cars (6 year old minivan) as the other family and own the same kind of home(150k range townhouses); 

is this what the above phrase means.. because either one family is living above their means or one living below their capacity, one might save and one might go paycheck to paycheck?

what may be practical things in modern western world that makes it hard to cap in on credit card or other debt, in spite of occasional increments in salary?

'When income increases debt also increases' concept?

A miscellany is defined as a "collection of various pieces of writing by different authors", but it has come to mean something "Of items gathered or considered together of various types or from different sources" or "a collection or group composed of members or elements of different kinds". The word "miscellaneous" comes from the Latin word "miscere", meaning "to mix." You might have heard the expression "a mixed bag," which applies when you don't quite know what you're going to get. More commonly, a miscellaneous group is made up of an odd group of things that don't fit anywhere else.