I can see how some people find it hard to get by. When it comes to phones the family are all using Motorola ones that seem good value compared to something like an iPhone or a premium Samsung. I know some feel they need the latest top models, but they probably don't use all the features. They will be out of date within about 3 years, so have to think how much value they lose in that time.
I agree on insurance. With insuring the house, car and some life insurance that's a lot of money going out. For young people car insurance can be more than the car is worth. There are some advantages to being old :) Health insurance is not essential here, but I get some through my job.
Luckily I have simple tastes and don't feel the need for trendy clothes brands or all the latest gadgets.
Meanwhile there are less well off people who smoke and want an iPhone and fancy trainers. They must be living off credit all the time.
Yeah, lifestyle definitely plays a part in all of this. I don't know as though I have ever owned the latest and greatest phone except maybe my recent one which work paid for. Typically I buy the two or three year old model. Insurance is a total racket and the inflated prices on necessary hygiene products are a joke.
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When it comes to hygiene I mostly get by with toothpaste and soap. There's a lot of products that are more about marketing than necessity.
I think we have an easier go of it as guys.
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We do. We're not generally expected to splash out on make-up and fancy clothes. There's a vast marketing machine trying to persuade us to spend on stuff we don't need and you have to decide if you opt out of that.