Yes, I feel you, it's up and down regarding inspiration for Steem as well - it's normal. Time vd Return is a reasonable factor as well - although the 'return' in STEEM is actually super high now. But I know what you mean, FIAT bills need to be paid as well :-)
PS: I saw your name on twitter recently and now I understand that @gniksivart isn't some Viking sounding username, but just a 'read it backwards' type of situation :D Had to laugh when I realized.