Since the economy slowed to a screeching halt, unemployment has been high. Many have lost their jobs or have been forced to reduce hours, and therefore receive a lower income. Additionally, many have had to rely on stock dividends that have significantly decreased in value as a supplement to their income. At the same time, bills and expenses remain constant, forcing many into debt. While there are certain bills and expenses that will not change (mortgage payments, car loans, utilities), many others can and should be reduced to cover the difference. However, having grown accustomed to a particular lifestyle, many continue to spend beyond their reduced income and end up with major credit card debt.