FINANCIAL HOPE IN 2009

Well, a new year has come and with expectations of greatness we brace ourselves to take on one of the most trying financial times that many of us have seen. 2009 will inevitably be a great year. We have a new President, that I have hope in, and a new outlook on life and what it means to be American. With all of these great new things in the future, one thing will still be challenging - debt management. We, as a nation have positioned ourselves in over our heads and now we are paying the price. Spending to much is one of the culprits, but not spending wisely is the grand mal. I think one element that has created so many problems is people obligating themselves to financial business that their current job allows. What happens when you lose that job? What happens if, oh I don't know, the market crashes and companies start shutting down? The scary truth is that people are left with nice cars with hefty payments, a brand new watch on the credit card and an electricity bill from a large house that can't be paid. But don't fear. There are people like you everywhere. We all have our financial problems no matter what your economic circumstance. There is hope in 2009. There are programs to help, and with the new President we can hopefully dig ourselves out of debt and use the economic package in a smart financial way.