Rather than copy the picture someone posted and let you read it for yourself, I’ll give you the text version. The text version will correct any errors I spotted (including better readability).
Living beneath your means isn’t always possible, at least not in the way I see it. Most people can’t buy a house or a buy a car without taking out a loan. Those two big-ticket items will put the squeeze on any household budget. Rent instead, you say? In some places, it’s less expensive to buy than to rent. Used car, you say? You can sink as much money into repairs and maintenance if you’re not extremely careful.
Let someone cut in front of you in a line (a queue in the British form) only if they ask. I live in a country (the Philippines) where people will rudely cut in front without even looking at you. If you accept that behavior, you’ll never make it to the front of the line.
Because of old injuries, I can’t take a 30-minute walk every day. I walk as much as my injuries can tolerate. I’m sure others are in the same boat. Let’s not even get into the physically handicapped, okay?
This formula for living is something you try to follow. It’s obvious you can’t always do it.