Will the economy ever turn around? That is a question not even the experts on Wall Street have the answer to, meanwhile many more are mauled by the credit card industry by the hour. Many sleepless hours and nights for so many in America, we see no end in sight; this is truly a never ending nightmare. Our parents were told many times by our grandparents to live within their means and many did, our parents told us the same; it seems the message went unheard. Today debt settlement and debt management programs seem the order of the day; it seems that when we crawl out of one debt we climb right back into the next.

There is no relief in sight, we need the economy to make a robust turnaround, America needs to climb out of the credit card hole it dug itself into. We can always hope for a brighter future; but I believe hope alone will not do it, it is time to live by our grandparents words “Live Within Your Means” or face financial devastation.