Hard Times

Hard times are spreading just like the flu...we know the rest to this popular tune, but really they are. I'm talking to friends and co workers and it seems that the struggle hasn't missed a person in one way or another. The question now isn't why, but what? What should you do to first stop sinking deeper in the hole and then to slowly pull yourself back out. Start with a financial list of everything that comes in but more importantly what goes out. That is the portion you can control for now. Are you in a position to reduce your housing expenses? Is moving an option or cutting off the cable. Maybe get rid of that contract phone and go to prepaid. Do you use that gym membership or is fast food your best friend? Pick just a few that can stop the quick sand from pulling you under.... that's enough to get you started! To Be Continued...