Context: I am ashamed when I don't have enough money. When I go out with friend I have to order the cheapest thing on the menu because I am counting pennies.
Speaker 1: When I go out with friends I really have to be tight with my money. Times are really hard for me financially?
Speaker 2: I understand completely. One has to live within one's budget. It can be hard though.
Speaker 1: I like go out but I have to really make sure that I don't spend too much. I sometimes like to leave a tip if possible.
Speaker 2: It's only normal to want to live within one's means. Too bad you can't leave a tip every time.