We are about to lose our phone service, our car, and then our home.  My husband is a commission based sales person and with the economic down turn his cancelled contracts have eaten away at our checks.  He had some health issues and recently missed almost 20 days of work, then hurricane Ike struck (more cancelled contracts, fewer sales, more missed work).  We recently lost a baby and due to complications I had to have an emergency surgery.  When it rains it pours.  It is very hard to deal with all of this plus the loss of a baby and keep a good happy momma front for our children.  I haven't even thought of Christmas this year.  (It is the least of my concerns.  We need help and we know the good Lord will guide us in the right direction.