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Just lose your job or your spouse dies and youi have to downsize. You realize then that something you though were important are not important anymore. You do not have to have all name brands of clothes, shoes, food, or etc. You learn how to do your hair instead of going to the beauty salon or go to one of those schools that do hair and nail. You cook instead of eating out. You do your housecleaning instead of the maid. You wash dishes yourself.. Your whole lifestyle changes. You make your lunch yourself and learn to eat left overs.