When creditors stop "waiting", when you force yourself to skip eating, convice yourself that "stretching required medication doses is the right thing to do"; these and other concerns are how the financial meltdown is affecting me. I try and tell myself; like four dollar a gallon gas; this disaster can't last forever. But in the mean time, being able to buy even the "essentials" that many take for granted, is my uphill battle. I have cut back so far, I can see stars. My main fight right now, is to just not give up.