So, what can "Joe Public" do? Below are several modest suggestions:
1) Start using "hard ca$h", instead of credit, to pay for things;
2) Take that stored-up annual, sick and vacation leave accrued at work and use it;
3) Buy-down, make large down-payments, on all future purchase; and,
4) Call each Representative - Federal, State, Local - say "If I don't see a major shift in our money policies, you won't see my vote next time." On average, each Congressional Representative receives $174,000 annually. Health insurance, for life, is free. (Affordable Health (Obama) Care is for us). Somewhat ironically, only 1 in 4 (25%) have a college degree. This compares to 3 of 4 (75%) for all Americans holding degrees nationwide. Hence, the average American works for a living, and fights for health-care to live.
( http://library.clerk.house.gov/reference-files/113_20130124_Salary.pdf Congressional Research Service, January 15, 2013)
Finally, don't point fingers, or getting caught-up splitting hairs over whether or not Congress should raise America's borrowing limits. That's not the problem. Americans are grand masters at "robbing Peter to pay Paul'. What's citizens must do now is to fire-up Congress by engaging in a full-court press forcing them to agree and act swiftly and decisively on a permanent monetary strategy for the country. Otherwise, expect the "tail to wag the dog' into piles of worthless paper and, regrettably, us too.
Ronald Arrington, MBA, Consultants, Trainers, Coaches, North America and Canada