HI Phyllis,

I've recently had to face the fact that most of my income goes towards my rent - something I've seriously had to rethink. Although I don't live with my mother, I do have a landlord and he is in control of what I pay.

After much thought (a few months, actually), I have done many things to cut back my spending which included telling my landlord I was in a tough situation and could he please consider reducing my rent. I am very thankful that he is now speaking with his bank to re-mortgage and reduce his costs so that he can, in turn, reduce my cost. I know I am very lucky ... but he, also, is lucky to have me as his tenant as I love this little condo, as do my cats.

Sorry, I kinda went on and on....

I realize your Mom may not be in a financial position to be able to help you out by reducing your rent... but surely, if she is, she can find it in her heart to work out a solution for both of you.

I know it isn't easy.
good luck with that
Addy