the depression has started , page-19

we have turned our hot water cylinder off (we live in NZ and its freezing most mornings) am only using the cars for essential trips, have cut back on insurance wife is making about $3.00 an hour owns her own coffee shop but landlord has not been paid for months, waiting for an eviction order.
People just cant afford their coffee fix.

Times are tough out there unless you are in the govt.