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Financial stress affects most of us. But many of us are living with severe financial stress, the type resulting from a financial crisis, which can be difficult to manage if you don’t know what to do. Not being able to pay your bills, having your hours cut, and losing your job are traumatic life events, especially if it affects your entire family’s income. Knowing where to turn and taking control of your situation can reduce the impact on you and your family.  The "recession survival guide" provides a comprehensive listing of agencies that address specific needs of families or individuals.