By Tom Selwick

You might be a stay-at-home mom who has both the joy and stress of caring for several of your own children. You might do this while your husband is off at work most of the day.

Or you might be someone who lives alone in a fairly good sized living space that loves to be around children. You might not have any of your own, but you love being around the little tykes.

Both of these types of people might love their lives but will still be struggling financially because of the current economic recession that has hit this country. Times are tough for many people.