I'm a REALTOR in a limited market area so you can imagine where I stand now. My last sale was last summer. My wife of 30 years and myself have always lived within our means, we owe very little but with less coming in even the regular monthly utility bills and insurance(I hate paying insurance but wouldn't live without it)are strapping us. Our home is paid for, our 25ac are paid for and our cars are paid for.
Being a REALTOR, I still have to pay quarterly MLS dues, dues to local, state and national associations, I have continuing education coming up at $108 and any advertising that I am doing or that will come up has to be paid, plus any other business related expenses.
I make all my own archery equipment and trade for what I don't have or what I need. My only archery related expenses are to the USPS.
I will not be paying dues to my club in GA or be buying an non-resident GA hunting license this year. A first in over 25 years.
I've even been looking for other work until the RE market comes back but in a town of 7000 and a county of 30,000, not even Lowe's, any local contractors, the county dump or any local businesses are hiring. In these times no job is beneath me but unfortunately none are available.