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In this kind of situation, people should help each other, at least some people are doing something about the poverty. Since the recession began, more people are looking into debt relief. Debt relief is allotting more money to paying debt, so that persons' debt loan decreases and more of their income can be used for savings or things like retirement and so forth. The best way to get on that is to cut down on other expenditures — like cutting back on digital services. Do you even watch all 300 channels? (No one does.) Clipping coupons at grocery stores is another good one, and cutting back on the fast food and cooking more often not only will save you money, it's healthier for you. Getting a little debt relief could mean a little <a href="http://personalmoneystore.com/personal-loans/secured-loans/guaranteed-loans/ ">guaranteed loans</a> in your pocket.