I know what you mean, right now, I have to juggle all my bills, plus work, plus study. The pay some people here are saying is "low" would be luxury to me - I could pay for everything I need without worrying about it.
But as you say, it is all in perspective. What is 'low pay' to one person, is not to another.
I agree that after time in the job, your wages should certainly reflect that, and the rising cost of living. Unfortunately, that isn't always done by management.
Also sometimes in life you gotta take a check and think "what do I REALLY need in my life?"
Sucks I know, but sometimes necessary to cut out the "unneccesaries" in life.....