Zada Connaway Author of "Mother's Journals : parts 1, 2 and 3"

It doesn't matter what you call it.  These times are hard on and for everyone.

No matter your circumstances, weathering a recession or a depression can be depressing and very stressful.  This is when we need to be mindful of those around us.  A cross word can make someone's day a little darker.  And a kind word just might brighten someone's day. 

I expect domestic violence to reach a very high level these days.  Stress is a constant threat to our well being.  It is so easy to blame a spouse or partner for financial woes.  

And children don't escape the wrath, either.  Our mouths can overrun our brains sometimes, it seems.  And if we are financially strapped, it occurs more frequently.

These are times when we need to support one another, not take cheap shots in any direction.  Adults wield a lot of power with their words; and while children may seem forgiving, they can carry verbal wounds that go on forever.  Some spouses and partners are like that, too.

What I am suggesting is that if you are angry at anyone, take a deep breath before you speak.  It just might prevent you from saying something hurtful and unfair that you will regret later.

Depressions have happened before, and they always get turned around.   We just need to be patient.  Do what you can for yourself and anyone you are responsible for.  Be kind to others.  Your attitude can set the tone, even for strangers.

Try to eliminate as much debt as possible from your finances.    Have high interest rates?  If you can't afford to pay your credit cards, shop around for a better rate, and try transferring your blances.    Just be mindful of charges for that service.  It may not be a good deal.  Getting lower rates will relieve some of the stress.

Try talking to the institution to get the rates lowered.  They would most likely prefer a little less interest gained from your account than to lose your business altogether.  And don't make minimum payments.  If you can, add to it.  Even a few dollars can make a big difference.  Double up on payments where  possible.

Most of all, be kind to yourself.  A little pampering never hurt anyone.  And try to spread your smile around.