I've BTDT over the years-my husband always worked for companies that were defense contractors and many close calls on layoffs. There was one particularly wonderful time when I thought we would both lose our jobs.I went to the mattresses as soon as there was a threat. No matter how frugal, there were things I could cut or postpone and that was the first stage. There's usually less harm in cutting spending than acting like everything is just fine. BTW, clipping coupons and shopping by special was a standard. Stage one would be moving to cooking from the pantry and eating less expensive items.
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