Q.The gang at my office goes out every Friday after work to celebrate TGIF (Thank God It's Friday) and also because that's the day we get paid. I used to go along, but now I can't afford it. In addition to a cut in my pay, my wife lost her job and now makes half as much money as a waitress. I don't want to tell my co-workers we're in financial trouble but how can I avoid spending that money?
Ans. It's almost always best to tell the truth. Tell your co-workers that because of the recession you cut your budget and can't go out to celebrate. No details are necessary. Lies always catch up with the teller. Also, you have no reason to be ashamed of going through the same economic troubles almost everyone else in America is experiencing. You get smart points for reducing your budget.