I don’t have the answer for every family but many families that are “poor” and aren’t able to pay their bills have one reason to blame: their HOUSE! Being a homeowner is a beautiful thing, but it brings with it so many expenses (i.e. mortgage, taxes, insurance, utilities, fixing boilers sinks and toilets etc). A family should not buy a house unless their mortgage/tax/insurance payments would be less than the cost of renting an apartment that would “fit” their family. In other words, enough with the large mortgages!! Being a homeowner should be what it used to be…a luxury!