So here we are, my wife, her son, and myself, trying madly to return to a life where we don't have to concern ourselves about getting our power turned off, our mobile phones disconnected, loosing our internet connection, all the rest of the necessities required to survive in today's economy.
Like all winters for the web design and SEO industry, work drops off especially during the holidays. But last winter really hit me bad; I was without work for FOUR months. So our savings drizzled down, and we were caught with insufficient funds... several times. This escalated as our savings disappeared, and our expenses became greater than our income. And there's a collection of other debts that are still hanging.