When times get tough, a downward economy can play havoc with the typical American household budget. In recent years, incomes have gone down, unemployment has gone up and prices are out of control. When the recession affects so many families, everyone begins looking for ways to tighten the belt, decrease the budget and cut out unnecessary spending. Each line item gets scrutinized to try and stretch the dollar a bit further this month than we did last month.
Unfortunately, many families consider life insurance a luxury, something that is first on