With a 9.8 percent unemployment rate, 15 million Americans are out of work and an additional 9.2 million are underemployed.

With layoffs, cutbacks and industry closings, many American families are finding themselves in financial positions they never imagined.

Has the economy affected your family? If so, we want to hear about it. What changes has your family made to stay afloat during these difficult times?

Send us your stories by e-mail to news@empiretribune.com or drop them off at the Empire-Tribune office, located at 590 E. South Loop in Stephenville.