I'll Direc your TV
Pretty much what is happening with everyone. If you're not doing anything, or less of it, and still working you're making a good wage. (not saying you're not making good money, just saying in general). A lot of places increased wages just to keep workers, that is fine and dandy right now, but in 3 months when the costs of everything really goes up, and I mean everything, that bigger wage gets back down to manageable, then low, then barley scraping by.Speaking of the increased cost of..... Everything recently. I feel like I went from making a decent living to not, seemingly overnight.
Kinda back to the original post; if you can get a loan or loans with a fixed rate for X months, I think that is the best security you can get. At least then you know what you are going to have to pay. Consolidate small loans right now (preferably 6 months ago), refinance your current one and get a fixed rate.