Seems we have gone from one extreme to another.

Credit has been way to easy for way to long, and now it will be so hard that everyone will be made to suffer, including those that have tried to do things right.
I always thought paying my bills on time, paying credit cards in full every month, keeping my credit clean, paying my taxes, not being up to my neck in debt, having some savings and a few investments would help me in the long run.

Now I feel like it was all for naught. I'm no better off than the guy that didn't pay his bills on time and got himself in way to much debt.


Well, that's a little extreme, but you get my drift.