Today, The Two Mikes again welcomed back Gordon Oliver, who is with the non-profit
organization Cambridge Credit Management, which was founded in 1996. 



Mr. Oliver said that much of the economy is still in a bad way, and the indications are that the republic’s economy may well get worse. He noted, to for example, that homeowners with adjustable mortgages have seen their interest rates rise from 4.4-percent to 7.5-percent. 



Americans with school-loan debts to pay are also facing a situation where they will have to face the future alone as Biden is focused on getting help government employees working in all governmental levels – states, municipalities, cities, and the civil service. The largest percentage of the individuals in those categories are, not surprisingly, reliable Democratic voters.



Mr. Oliver added that the future economic outlook is unpredictable, as is obvious in the fact food prices continue to increase even as the administration says inflation is moderating. The first step for consumers, Mr. Oliver said, is to get a handle on your monthly expenses by making a list of the expenses that you must pay every month, mortgage, rent, or other contractual debts, groceries, utilities, child- care, gasoline, insurance payments, etc. and see how much you are committed to monthly and see if one or more category can be reduced. 



This is an important and sometimes complicated process but Mr. Oliver’s organization offers free – yes, free -- assistance for people who are ready to prepare a budget that will help them get through what appears to be the tough economic road that lies ahead.

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