As the economy tightens, more people are finding it difficult to pay their monthly bills. They have mortgages, insurance, auto loans, student loans, credit cards, and utility payments that have to be paid every month. Many people are struggling to meet their monthly financial obligations. Some people are turning to short term loans that charge exorbitant application and set up fees and then high interest rates to boot! Some people are filing for bankruptcy, or going to credit counseling.

It is a sad and scary time. I hope that when the election is over, the economy improves quickly.