I'm talking about "I can't afford..." or "Things keep getting more expensive..."
The first one, I can't afford, we hear from one of our roommates. Something my wife has taught me is that the word "can't" causes it to be true. You don't look for ways it can be done. As an example, my roommate was needing to get her prescription checked out and probably get it changed, but she only had enough for the week for food and rent. I offered to her that she could get the prescription done free if she did a mystery shop and she could get glasses online for pretty cheap. Her response: I want to keep my frame. She never asked me about the mystery shop and I don't believe she has gone yet because of the money issue.
The other one, things keep getting more expensive, I hear from many people. I'm sad to say it, but it's just like saying that the sun is going to rise tomorrow. When the SOP (standard operating procedure) is inflation, things cost more and more every year. You can choose to either complain about it or find a way to work around it. For example, food has gone up considerably. My solution: Grow a garden. Next, gas prices keep going up. My solution: Invest in the oil & gas industry, drive a car that is not a gas guzzler, reduce your driving, find alternative ways to get places.
The best solution I have for anyone complaining about any money issue: Be creative and make more money or cut your expenses. I went from working at Taco Bell to making $50K/yr in a year in my day job (yes, I had a degree that helped). At the same time, we have been working on multiple income streams over here (rental income, selling garden plants, mystery shopping, sewing services, custom programming, medical billing, etc). We've also looked at our expenses and cut them down dramatically.
If your able to do those two things, everything else in personal finance is easy from there.