If you need me, why do you treat me so bad?

If the corporate community and federal and state governments are expecting me to help lift the country out of this recession/depression, they are all in for a long wait. If it's consumers like me, in similar circumstances, that will eventually signal a return to financial prosperity, then we are in for a few more years of rough sledding.

It's not that I am opposed to spending money and wouldn't be willing to do my part, but I've got nothing left to give. Every bit of my income out goes every month. I won't be further mortgaging my future with credit cards to stimulate the economy either. The banks have jacked up my interest rates so high and dropped my credit limits so far that there is not enough spare credit available to pay attention.

I am one of the fortunate ones. I still have a job, unlike an estimated 1 in 10 people in the country who are unemployed.

There is certainly stuff on my wish list of purchases to make. I could use a newer, more fuel efficient car, but that's way out of the budget. My daughter starts college in the fall, which strikes terror in my heart and my bank account.

Even more modest things are out of reach or have to be prioritized. My work and weekend wardrobes are getting threadbare. I need new shoes. Those are the type of purchases I used to put on a credit card.

To cope, I've made some lifestyle changes. I used to eat out for virtually every meal, spending about $70 to $90 a week on food. Now I try to eat at home whenever possible, eating as little as one meal a week outside the home. Of course my food budget was pretty modest before, so I'm not eating a lot of premium cuts or name-brand products and I try to not to let any food go to waste. I've also downgraded my cable service (and may still drop cable altogether. I'm also debating a change in cell phone and Internet services to reduce those bills every month and dropping my landline completely. But those will only leave a few more dollars available every month. Other unattractive, but increasingly prudent options include either seeking out a roommate or downsizing to a smaller apartment.

And those are just to get through the next few months or so.

So don't count on me to spend more, Uncle Sam. I am still looking for ways to spend less. I like to think I've learned the lesson of easy credit and getting over extended. I mean, this is what I'm supposed to do, right? Only spend the money I have?

I'm trying. But it's not going to help put my neighbors back to work so their paychecks can eventually come back to help ensure I will still have a job for the foreseeable future.

Maybe some of those banks that were too big should have failed and taken their bank records with them to oblivion. I would be willing to try living without the credit cards. I'm trying to now. But it would sure help to do without the bills too.

Sadly, to the banks, I'm not too big to fail. They seem to be betting on it. But it's a bet they win either way, because they are charging rates so high they have already made back their money, and then some.

GM and Bing saturate the airwaves

Either I watch too much TV or GM and Microsoft are spending some serious money on their new TV campaigns.

In the case of General Motors, about every other commercial break seems to feature GM's "Chapter 1" commercial, putting a positive spin on the company's bankruptcy filing.

As a print/online journalist, I hope they funnel some money to newspapers and their websites too. But the cynic in me wonders how long it will be before some politician throws a hissy fix and complains about how much money the company is spending on advertising now that taxpayers own most of the company after the latest bailout. So I expect the ads to be pulled in short order. But media companies can sure use the money, especially as so many of those local dealers, which aren't selling many cars for either GM and Chrysler and thousands of them are about to get their signage pulled. Many of them may not be around when American car buyers return to the showrooms.

Come to think of it, with FCC control of the airwaves and government ownership of GM, maybe their new commercial actually qualify as a donated airtime PSA.

The other commercial assaulting the airwaves right now is the one for Microsoft's new search engine, Bing.com.

Will Microsoft's new search engine pose a threat to the Google colossus? Only time will tell.

In the meantime, have you Binged yourself?

I did. So far I like it. But maybe that's because on Google, there is a millionaire with the same name as me who shows up first on the search. My work blog profile comes up second. I come up No. 2 on Bing too, but the No. 3 item is also a reference to me. The millionaire dude doesn't show up until No. 5.

I have to like a search engine where I outrang someone on the Forbes 400.

But in the interest of full disclose there is an obvious flaw to Bing. The No. 1 person on the search is a reference to a neurologist named Gary L. Miller. WTF? I searched for Gary L. West.

So keep working on it Microsoft. But I have already found something to like there. But I do have a question, does Matthew Perry get a residual for the use of his "Friends" character's last name? I sawy his recent appearance on Kevin Pollak's Chat Show. Perry seemed like he might be looking for work. At least hire the guy for a frickin' commercial.

And thanks GM and Microsoft for eating up some of those commercial spots that probably would have been filled by Viagra and Cialis ads.