I can appreciate your concerns about finances. It's a conundrum. It's so difficult to say No to friends who want to go shopping or to lunch or movie. I've come to the conclusion that stating the simple truth most always works with true friends: It's not in my budget this week. There's always things to do without charge.

Making money on Steemit is not easy for me though. I just look at it as having fun, and if I get monetary credit for my work - I smile.

I have a large library filled with reference books to pique my curiosity and begin my posts; usually the mood I'm in for the day gets my attention to post about. That way it's not so much of a burden to get going.