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She looks at others and wonders why they have more than her and yet does nothing to try to improve her situation. It is a very sad situation to see someone like this.

Now I know I will get lots of emails from readers that will disagree with me - but before you send me your emails of discontent, let's be honest, sometimes hard times do set you back in life, and the longer you live, the more things you have to deal with and overcome. And this year has been tough with rising costs, inflation and interest rates. We all have had to tuck in and tighten our budgets.

When things get really difficult, sometimes that creates a desire to change things. You want to try to become more resilient to adjust to hard times and look for a positive outcome so that you can face uncertainties with less fear.