Because of our economy crisis or recession, I'm sure many people (including me) now are having financial problems. But there are some loan investors are still here willing to extend their services and help even if you have a bad credit personal loans. This is a personal loans for people with poor credit, bankruptcy or past repossessions. So if you are holding back to get a loan because of your bad credit history, then, I think you have to try speak someone from loan investors to help your needs. Also, many retailers are now lowering down their prices in order for us can afford to buy their products. The gasoline price is at least not bad. Just recently I got a low down payment auto insurance for my car which helps me a lot to cut down my spending budget. Having said that still it is hard to find a money right now because of luck of opening jobs. That is why I am hoping and praying for more brighter future. I won't lost hope.