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John D: When I spoke to a credit counselor they said you would be shocked by what some folks considered "essential" expenses. If I hadn't had my expenses documented, they indicated they wouldn't have believed me. They increased my "expenses" significantly, when calculating my financial situation and necessary pay.

I've noted a lot of new vehicles on the road as well, especially the Prius, which is the result of government debt, and a high percentage of government employees, who make on average $5 more per hour than the rest of us. Most of us can't afford the cost of the battery replacement, let alone the vehicle. Lots of gas guzzling SUVs too. They act as if we wont be seeing $4 a gallon gas again anytime soon.

Bring on the debt, we are addicted to it, just can't get enough.

I live in a college town, which means the town is addicted to student loan debt. They are hoping students and their parents never face reality. Or the taxpayer passes out "free" college degrees to everyone.

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