Economic Crisis. Recession. Lay-offs. Bankruptcy. There is not a day we don’t hear these words especially in the news. It seems that things have a greater chance of getting worse instead of getting better. More and more people are resorting to credit cards to get the basic necessities. The sad thing is…we don’t know when all of this is going to end. I just heard that a good friend is on the verge of filing for bankruptcy because they can’t afford to pay everything anymore even if both she and her husband have jobs. I advised her to seek debt counseling first because doing anything else. I wish I can help her more but just like her and any other regular person on this planet, we are also struggling to keep our heads above the water. Hopefully, things will get better for her and the many people who are about to lose whatever little things they have left. Hopefully...


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