DonnaJean, you are right. My Son has a job in Agriculture, fertilizers and stuff, and he has actually had some over time a bit this year, Thank Heavens!
I amglad I am a saver, when my job closed suddenly, I had a bit put away, but I know with things so high, alot of people CANT do that. They live paycheck to paycheck. Thats so hard, and you really HAVE nothing to save!