Had a rough morning. When I logged into my bank account I found my mortgage company had auto drafted $1420 instead of $990 right before Christmas. I pay my taxes and insurance through my mortgage company and both had gone up. We can take this hit but it’s going to hurt. We’ll have to cut back and we’ll reduce what we put into retirement savings by $250 per month to survive. But oh my goodness what in the world do people do that can’t take that kind of a hit?