 You name it. You're spending more. You are making the same or less money. So what do you do? You rack up credit card debt. That's what you do. It's not your fault. It's the economy. And guess what? If you rack up too much credit card debt like some of us, you can't pay your bills. Then the credit card companies, as nice as they are, start hounding you for money. Then you start your downward spiral.