way to beat it. 1) Stop all useless spending. 2) Keep it simple and close to the chest 3) Start using what resources you have wisely 4) waste not..want not 5) Dont buy into the idea that you can spend your way out of a depression. 6) Dont be a sucker for every two mooch plan out there. 7)Train Train Train...watching TV is useless..Train in a skill and profession. 8)Sharpen your skills... 9)Stop the whining and the bellacking..it wont help you 10)Toughen up go to work and be the best you can be. Finally devise a plan..if you dont plan you plan to fail. And finally finally kiss the mezuzah on your way out of the house..a bit of faith goes a long way. I am telling you this because I have 35+ yrs experience working and saving. I am not about TO HAVE A TAG DAY FOR ME...BEST TO BE ON THE GIVING END THAN THE RECEIVING END....G-d bless you all!