This congruent malaphor is a mix of “barely scratching the surface” and “tip of the iceberg”, both referring to the beginning of a much larger issue or problem. Here is an example
In closing, the recession is hard but that is not to say that survival is impossible, but you will have to be more creative with your money especially if you are a family at a budget. Of course, these tips only scratched the tip of the iceberg when it comes to financial planning and frugality. If you’ve already done these tips and are finding you need additional help, then never underestimate the power of a reasonable and well-thought-out budget. (from the article, Top 5 Ways for families to survive the Recession – http://voices.yahoo.com/top-5-ways-families-survive-recession-8644177.html?cat=25).