The economy has effected my family greatly. In February of 2009, I was told by the publishing company that I was working for as a graphic designer, that they would be cutting every employee's pay by 5%. That doesn't sound too bad, right? I still had a job. Well, they also cut hours and benefits, I was driving 70 miles one way to this job, and just couldn't afford to go to work anymore, so I voluntarily quit. Not long after that, (after we missed a mortgage payment) I found another job as a technical support representative for a wireless company. Things picked up for a month or 2, but then my husband's hours as a welder were drastically cut back. We had a very difficult time making payments, and fell behind on nearly everything. We decided to cash out a savings bond we had for our daughter's college fund to make our payments and get back on track. My husband's hours picked back up, and we got back on stable ground. I worked for the wireless company for nearly 4 months, and decided to go on my own as a Graphic Designer. I've actually just recently had enough clients to compensate for my income that I had originally brought in from the publishing company. There are no guarantees in this economy. In fact, my husband's hours could be cut at any time, and now, being self-employed, things will be very nerve-racking for awhile! There have been many other changes in our lives - we sold our SUV, for a more fuel-efficient car (allthough we practically gave it away, because nobody else wants an SUV either!) We've noticed grocery prices rising, along with every other daily essential! But somehow, a positive attitude, and lots of faith will pull us through!