I agree on the co worker thing, ignore him!
but on the family side. I have no idea what your past debtness is, but I feel that you must have some fun. Does not have to be expensive. I like the idea of getting everyone together and discussing something fun but reasonable on cost. and believe me I can totally relate to not having the money to budget in fun. But you must relax and breathe life or else you will become bitter as will the others around you. I am actually going to try the getting everyone together to suggest an activity. bowling, swimming, fishing, these are all reasonable cost effective activities. You could try to set aside a specific dollar amount for fun and that way everyone is happy.
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