A word of caution here, don't drive up in a BMW, with the latest iphone, and a tablet in your gym bag and tell me you can't afford the $10.00 extra dollars a month. That puts a price of the value you place on my instruction, and what you are telling me is that you don't think my instruction is worth X amount, when I have deemed it is and frankly I'd tell you to hit the road. But if the need is real and you really can't come up with an $10.00 a month and I'm going to lose you as a student, than what you coming to me and explaining things is telling me "Hey this guy swallowed his pride and came to talk with me, he values my instruction enough that he has stretched enough to take classes from me, but my price increases tips over his families' well being can I help him or do I lose him?". I'm not going to hold a grudge against you or think down about you, or even treat you any differently except with perhaps a bit more respect.
It's important to take some of that in context. The stuff may be a "leftover" from a prior job or better times, or handed down from family. The phone and/or tablet might be from the employer, or otherwise legitimate job needs.
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