I read an interesting story recently about debt and the way view spending, and in this case charity.
A guy from a christian charity was discussing the change in the demographic of people accessing their food distribution network. He was saying that it used to be the people on very low incomes or welfare payments, that would be the ones getting food parcels. Now it is the people that live in households with 2 average incomes, they have huge houses, 2 cars, every household appliance, but not enough money left each week, (after servicing all their debts), to pay for food.
This has become such a big problem that the charity now insists that before people can access the food parcels, they must take a household bugeting course.
Many people now have no idea how to live within their means, or the difference between needs and wants. You don't need an ipod or new car, when you can't feed yourself or your family. The whole thing is arse about.