Just adding my story really, I have read the whole thread, but lurking until now.
DH and I both work. I was made redundant while pregnant with DD and as a result went back to work when she was 6 weeks old. As that was when I was lucky enough to find a new job.
DH and I between us bring in a decent wage, I do need to work but as long as I am working we can get along OK.
January 2010 our (pedigree, of course
) dog got sick. She started having seizures. So we took her to the vet, got the appropriate treatment, yada yada. Wiped our meagre savings, but that was what they were there for.
Then she got really sick. We thought it was related to her seizures but it wasn't. Ended up with a nearly £500 vet bill and a dead dog.
Then my work cancelled overtime.
And my credit card repayments went up.
I missed a couple, so the charges started wracking up as well as the bank charges.
It has taken me nearly 18 months to get back to where we were. At one point I was paying out nearly a third of my wages in bank charges.
And I am guessing that the 2000 ish MNers who PM'd me for my cheapo meal plan didn't think me feckless with money, although at the time I had some nasty comments from RL 'friends' who thought I was just bad at managing money.
So, yeah, it doesn't take much. And yes I have missed meals to make sure my family were fed.