I used to Dread the collection calls and look outside for the repo man , laid awake at night wondering if I will loose my home.. And all those things I feared became real one day. But we survived it and I realized there are worse things than humiliation and loosing face. I could have lost my marriage instead of my home, I could have suffered the lose of a child instead of the lose of my pride. No. I have all that matters to me and I don't lay awake at night mourning the lose to material things but I do lay awake thanking God for the blessings I still have in my life.