Put away those credit cards

As I watched the House of Representatives pass the $850 billion Bail Out Bill today, I was sad, angry and, at the same time, felt renewed in my efforts to help people live within their means. What we need right now is not more credit, but less credit. We have become a nation that no longer saves for the things we need, but wants instant gratification. It is that instant gratification that has gotten us into this mess in the first place.