My friend and I are/were pretty close but I am getting frustrated... My husband & I both work full time and we have 3 kids & we make an average living. We make sure that we have money taken out of our paychecks that goes straight to our retirement accounts, our savings account and our childrens' savings accounts. We pay are bills on time and live on a strict budget to stay within our means. My friend is a stay at home mom with 2 kids who are older than mine and go to school. Her husband works fulltime doing construction which can run long hours. More and more she keeps venting/complaining about her bills piling up and how she isn't sure how she is going to manage paying everything. And then she questions who we can afford the outings we do with the kids as if an accusing way. The outings that she refers to though are things like trips to museums and science centers or the zoo, which we check out passes to from the library and pack lunches to go. So we aren't spending money. And through out this whole venting she discloses that she has doctor and dentist bills that are adding up big time and that these providers are not even within her insurance network but she doesn't want to find someone who is because they are "used to going" to the specific doctor. And then she has a land line which she never uses and the whole family has cell phones. They have a complete full blown cable package & wireless internet, which they pay extra for to have wireless even though they only use it for their PC that never moves from the one desk, and they are eating out 2-3 times a week (which is not cheap to do when you have a family) and are going on 2-7 day trips every few months and you don't even want to know what they blow on groceries because the kids "just gotta have" name brand snacks & sodas and instead of paying a bill online or even by mailing a check, she insists to actually drive from store to store to make the payments... But yet they are what she calls "struggling" and have no savings.... Don't get me wrong, but I have tried and tried to be nice and lend an ear for her to vent to and have even tried suggesting changing some of the things they do/way they do things, as politely as possible, but I can't take how she talks down to me because we do with out those things. We don't have cable because we see it as a waste for us since we don't watch much tv and what we do watch comes on local channels, we buy store brand groceries and use coupons because it saves, and we plan ahead and do fun things but we do it in a thrifty way and all of this allows us to save incase we have something pop up... But she will put me down and I have a feeling that its because she feels envy to the fact that we are not struggling and she is and its frustrating that she is doing this because she is only struggling because she refuses to re-exam how she does things and why she is struggling. I have tried to be a good friend but she brings the money subject up so much that it leaves nothing else for me to talk to her about and if I tried to change subject she gets annoyed or just finds a way to jump back to it....