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The reason people talk about cable cutting is they imagine the price burden will get so high that people won't be able to pay it. They're missing something: that the actual price of the electronic package is going down. They've got their Internet, phone, TV, all of it. Now people are using more and more stuff for less.

I lose my wallet all the time, and I break my phone all the time.

I had my electricity turned off three times because I never had time to pay my bills. It was a joke. I'm making a ton of money, and I'm walking around my apartment with flashlights.

I've been largely undecided about everything for most of my life. I can barely commit to a phone bill... Somewhere along the line it has become my career due to continuing work.

It's happened to far too many Americans. You open up your phone bill and wonder why there's an extra zero, or several, on the amount that you owe.

I have too many credit cards. You know what happened? Someone stole one and I didn't notice. I noticed when I got that bill. Whoa! It was so much less! I'm letting him keep it. I'm saving money!

I've never met a budget that I couldn't coax a few extra dollars from - and I'll bet that you can do the same. For instance, you're probably buying more minutes and more cable channels than you use. Oh, and how many black skinny jeans do I count in your closet? You have enough money, just the wrong priorities.

I very rarely use a credit card, but I do if I know I have big bills coming and I need to stagger payment.

My husband is in charge of all phone, email and texting duties at home. He even has to turn on the TV and air conditioning because I'm so hopeless with technology.

No kidding. That's really true. You're paying your own bills through this. It's not a pleasant experience.