Ahhh a true example of bittersweet: American’s are acquiring less debt, but only because they can’t afford it!  Interest rates have skyrocketed because people don’t want heavy loans hanging over their heads, if they can even get approved in the first place.  In a similar fashion, consumers are also pulling back on spending which is in-turn fueling this seemingly never-ending economic crisis.  As a small business owner the real worry is, will this affect you? (more…)