Hello Friend,

There will always be a time in every person’s life that the need is great and the resources are few. It can be hard enough to make ends meet even on a decent wage already, so when times get tough and money is not there when it’s needed, a person can easily go into despair.

For example, all of a sudden, your roof begins to leak, your hot water heater shuts down, your computer goes up in smoke, the clutch needs to be replaced in your car, and your son decides to have his wedding on the Isle of Oahu? Imagine what you’ll do when all of these happened within the same week or maybe at the same time! How will you cope?

That couldn’t be the worst news, though. While stunned, you could be sitting there and pondering for an exit strategy when you receive a friendly letter from the IRS explaining that you miscalculated your taxes in 1996, and they now own your house. In the next hours, how will you survive not having shelter, food, and everything else?