I have no personal experience here but I listen to enough talk radio to hear a commercial or two:
http://www.turningpoint.org/
To All: Thank you and bless you for your fast responses. So many more than I expected, and so much sooner!
And I'm working on a deadline project that will bring in some needed bucks, so I can't answer all right now. But I will, in a few days or a week.
At a glance, it looks like there's some very useful advice, including some welcome encouragement.
We don't use credit cards for living--haven't, for two years. Live in PA, outside Pittsburgh. And whoever suggested cutting high-speed internet...not gonna happen. I need it in my work. I need so I don't feel like I'm living in 1910. It's as essential a utility to me as the telephone is.
We are not high-livers, never have been. RARELY eat out. When we do, it's a diner, or a chain like Applebys. But haven't done that in a while.
Anyway, that's it for now. Have a wonderful holiday weekend. I'm inside, working on my project.