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I'm hearing people who are getting $70K forgivness gifts from the banks (and hoping this gift is not taxable), paying off credit card debt with the money they are no longer paying on their loans (while getting free rent for 7 months) ...

What about the other side of the story.  For example, we live in Central Oregon as well.  Both of us have jobs paying less than $15 per hour with no benefits.  We are raising a child. Yet we are making our payments fine. 

The result of this deleveraging is interest rates near zero.  The scrimper and savers are bearing the burden of all of the financial irresponsibility.

posted 2 years, 10 months ago
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I feel I have a lot of the traits described here but am aware and keep it under control, so far.  I'm 42.  Hoarding seems worse in older people.  Am I likely to lose control later in life?

posted 3 years, 10 months ago
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