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I was skating along pretty above the previous years. I own a house that I love, employment in an industry that pays pretty well, had an ok piggy bank - much less as Suze Ormond recommends, but enough to feel fairly favourable. I could go out to dinner, buy Concert Tickets, take trips, but not worry whether I could pay my mortgage. But now, I'm not sure anyone that not been affected through the economy. Layoffs, pay cuts, reduced various hours. Add to that any unexpected issues (for me tony horton created a collapsed sewer pipe, which I do not wish on the worst enemy), and your once comfortable existence may be getting just a little bit tight.

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