I'd like to know....?

I'd like to know where every body and their brother always get money from???? My family isn't sitting on millions of dollars we pay our bills and to once in a while be able to do something nice together we have to make it an expense and get behind a little bit.. other people get on here and write things such as" you must always pay bills on time." " you don't pay get your money straight" where in the heck are you getting the money from? must have some pretty rich relatives, bad credit developes from living a life yeah people make mistakes and get some bad credit, but who doesn't make them? some creditors claim that they will give money bad or no credit. that is a bunch of crock... I just want to know where everyone gets their money, and how is it possible to not have debt esp. when you are trying to support a household, go to school, and run your own business????