Before Ernie lost his job, Susan never had to worry about having enough money for groceries and basic necessities. Then, she learned a tough lesson the hard way.

One afternoon, Susan says she went to the grocery store with reusable bags and filled them with food.

"I packed all my groceries up and wrote my check and [the clerk] said, 'Sorry, your check's been declined,'" she says. "And I said, 'Oh, no way. There's no way.'"

Susan assumed there had been a mistake and went to a nearby store to do her shopping. After filling another cart, she says she was humiliated for the second time when her check was declined once again. "Our final paycheck had run out, and we didn't realize it," Ernie says. "So as I said, we are now walking the walk of a lot of people in this country."

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