I do apologize for the way my post seemed to come across. I should have worded it differently. I certainly did not intend to offend anyone.
I was not trying to rub anything in, and I am far from easy street, living on less than $700/month. I am mostly unemployed, cleaning a few homes. The job market has really dried up this year.
What I was trying to point out, is that it's time to prepare for a possible lengthy recession and possible depression. My daughter was telling me that one of her clients sat and cried all day yesterday. They have just moved into their newly built 4700 sq foot Boone home. She (the client) is a real estate agent, her husband a headhunter for a prominent national company. They have a two year old and she's pregnant. . . . their whole financial world just collapsed around them, and they don't know what their future is.
My point is, that my son and I, at 150% below the federal poverty level are better off than many because of a simple, no major debt, lifestyle. I have learned that we don't need nearly as much as we think we do. Yeah, it's tough to live, I can rarely afford new clothes and shoes are worn until they fall apart. Car repairs are a real challenge too. But I thank God that he has blessed me with my humble $125/month farmhouse. I don't have to worry about being homeless or going hungry, though one day we may have to cope without cable, Internet, or even electricity. I hope it doesn't come to that!
If I can encourage or help anyone who needs help getting spending under control, out from under a debt load, or just helping with tips and tricks to frugal living, I would be happy to.
It looks more and more like a true depression in in the making. It's too late to prepare, but not too late to take positive steps in this uncertain financial climate.
Again, I apologize for offending you with the terse language of my post.
Tracey