I'm so glad that we have been responsible financially over the years. Despite me staying home with the kids, have three babies, and buying a new house - we have managed to stay debt free.
Our friends have not always been so lucky. In fact, my friend Erin was talking about requirements for bankruptcy and it seems like over the years it has become harder and harder for people who struggle financially to start over and claim bankruptcy.
This economy has been hard on everyone and now that we are coming out of a recession I can imagine many people would like a new beginning.
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