A pollster was taking a survey of how much of people''s

income goes to different kinds of spending. The person being interviewed said,

"I spend 40 percent of my income on housing, 20 percent on clothing, 40

percent on food, and 20 percent on transportation and amusement." The

pollster said, "But sir, that adds up to 120 percent." The reply was,

"I know it!"

Some of us, when the credit card bills come due, are

probably discovering that we are spending at least 100 percent of our income.

As one man put it, "From the time an infant first struggles to get his

toes in his mouth, life is a continual struggle to make both ends meet."

Or as somebody else put it: "They say it''s better to be poor and happy

than rich and miserable. But couldn''t something be worked out, like being

moderately wealthy and just a …