I think that maybe I should be considering declaring bankruptcy! It is unusual for me to put these numbers together so early – it is only the middle of January but my daughter needs to apply for the Free Application for Federal Student Aid (FAFSA) before the deadline in the middle of February. And I am amazed at how much we made and how little we have. I am shocked to realize how much it costs to live. Our bills are enormous. The cost of living is through the roof! And let me tell you, we have been living very close to the bone. We do not buy clothes particularly, we do not go out to eat except for every once in a blue moon. We have hardly been driving our cars because we live so far out of town that we have, with these growing gas prices, been staying home. Holing up might be a better term. We do not go out on the town; we do not spend money that we do not need to. We have a business and it costs money to be in business. We have got to pay our bills. What else can we do?

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