Hi, everyone! I've read a lot of news about corporations losing profits and high unemployment rates, but I'm curious as to how the financial crisis has affected people on an individual level.

I'm currently unemployed and looking for work, and the process seems especially bleak and disheartening. I've read stories about 500 people applying to ONE (!) entry-level. I've probably applied to close to 20 jobs, and have yet to hear anything back. I'm looking at work that I've never considered before, such as substitute teaching or catering, as a way to make ends meet. Now, I'm thinking about applying to graduate school for next year, because I don't know what else my options are.

Anyone else? How has the financial crisis changed your life?