Overview
This is not a very good time for you to be squandering your precious resources. Your time and money are tight, and you will need to watch out for unexpected bills that will be waiting for you in your mailbox! Be careful of getting involved in any new schemes or opportunities that sound too good to be true. Hold off on signing any documents that could commit you to paying a certain amount of money on a regular basis. Watch out for people who want you to make a greater commitment than you can give.
