Not been that bad. DH is self employed - and his two major clients are sticking it out, although we can't be sure things won't change between now and the end of the year. Fingers crossed there.

We paid off the car before it hit so that put us in a good position. I am a full time student so there is little that can affect me there - just helps come stimulus time I guess. We plan on ridding ourselves of our last lingering debt with that (I don't care - I LOVE my Kirby!) and with luck its going to make upgrading the car easier to do without getting another loan.

We are considering the possibility of a home loan when the housing market finally bottoms. While it leaves us feeling guilty - if we don't get one, other people will so we might as well take advantage of it, right? At the right price with low interest it shouldnt be much more than rent is now. Although - we have been really lucky with our landlord and they have never upped the rent at all - so I am assuming that means they own this place outright and barring any catastrophe on their end, we should be secure here anyway.