This is a subject that I have not always wanted to deal with, but have been forced to deal with a lot. I have learned many things through my experiences and feel a bit more empowered by it. I desire to share what I have learned so that perhaps you can benefit from it without having to go through as much. I am not the only one in this circumstance. Many people have been going through this lately with the economy woes forcing many of us and/or our husbands out of jobs. Please be sure to share the things that you have learned so that I can inlcude it with the other ideas and we can all benefit from learning not only from our experiences, but from others as well.