The economy seems to be in the news and on everyone's mind for good reason. There have been income losses for many and I know it's frightening to find yourself without enough money to live the way you've always done.
I've been appalled, though, at what seems to be the prevailing attitude: Get a handout. Go to the government and get help. Become a welfare recipient without bothering to think about other options.
While there's nothing wrong with getting help when you really, really need it, I see a real problem developing. The government is not Santa Claus, neither is it a parent with unlimited funds.
The money our government has is yours and mine. Governments don't make money, they take it.
The money our government has comes from the taxes it takes from us. When it begins to pay out more money, as in more welfare recipients, the money has to come from... guess where?
All this to say that we've become so dependent that we forget to think for ourselves. We forget that there are things we can do to help ourselves and that we can tighten the belt, get creative, and at least try to meet the challenge.
If you find yourself in this position, do everything you can for yourself first. Cut expenses, then cut again. Learn better, cheaper ways to do things. Find ways to make some money, even if it's just a few dollars. Spend them wisely. Read everything you can about living frugally, and put all of it into practice that you possibly can.
Hang in there. When it gets too tough and you can't hang on any longer, then get help.