I hear you on this one. I'm not hurting for bills right now, but I've seen a drop in my hours and a drop in my tips. I was setting aside money to get back to school this fall, but I charted my projected finances through the end of the year. And assuming the cut in pay remains the same throughout the rest of the year, After Christmas things will start to get dicey. I think i'm going to put off school until spring semester, pay off my car, and get my insurance down to a more reasonable number.