My neighbor was laid off, he drives school bus and sells firewood to make a living. He sold his toys, boat, motorhome etc, but he's keeping his house. His wife was a stay at home mom but now she works at a grocery store. Hell, a kid knocked on my door a month ago asked if I had any odd jobs. I hired him to plant ten trees @$10 a pop, 6' pine trees. Sure, a hundred bucks won't make the house payment, but he has a whole month to do jobs like that for people. He wants to work, and worked hard, if I had an opening at my shop I'd hire him. Stop making excuses for dead beats.