Laurel?Kunkel

Age: 53.

Family situation: Divorced mother of two, Claire, 15, and Celeste, 18.

Occupation: Public school secretary.

Hometown: Canton.

Annual gross income 2013: $32,000 (received less child support and no alimony).

Annual gross income 2008: $35,000.

Total debt 2013: $54,800 ($50,000 mortgage and $4,800 credit card).

Total debt 2008: $60,500 ($58,000 mortgage and $2,500 credit card).

Total in savings 2013 (not including retirement): $16,000.

Total in savings 2008 (not including retirement): $10,000.