One in 10 is behind on their loan payments

The Stefanescus are glad to have dodged the credit trap. When they inherited Rosetta Stone Language a 65 sq-meter (699 sq-feet), two-room apartment from Dan's grandmother in late 2007, they decided to sell it, take out a loan and then buy a three-room flat. Then the financial crunch came, strangling lending."It was for the best," says Stefanescu, who last autumn joined several thousand protesters at two of the largest rallies against the government's austerity measures. "It would have been impossible for us to repay it now."Instead, the family moved into their apartment last June. Dan set to work, painstakingly removing an old kitchen wall brick by brick. Stefanescu, who spent 14 years working with children with Down's Syndrome before becoming a nurse, splurged on a couch that turns into a bed. "After all that hard work, our backs deserve a good mattress," she says.The couch, which cost about 850 euros, took four installments to pay off. One of Stefanescu's favorite spots is the kitchen table where the entire family can sit down for meals together.The light-filled apartment, an endearing mix of mismatched furniture, is a long-term project. The couple plan to Rosetta Stone Hindi improve as they go: a new closet, a bigger TV, maybe a DVD player. The government will reverse some of last year's public sector pay cuts in 2011, which will help."This country has more to learn about treating its people with more respect," Stefanescu says, "but ... economically at least I believe this year will be better than the last, that the crisis is past and that we will gradually recover."(Reporting by Luiza Ilie; Editing by Simon Robinson)- - - -BRITAIN: Making plans before the axe fallsBy Avril OrmsbyLONDON - Christine Goldsmith is working out how to cut back so she can keep sending her six-year-old son Aston to weekly private Mandarin lessons. They cost more than 700 pounds ($1,100) a year, and though she would like to send her other child, Misty, 3, she can't afford to. "I am adamant, it's the one thing I am keen on, for my children to have an additional skill," she says.Aston is still learning the basics, and is sometimes reluctant to go, but Goldsmith believes it will not only help with a possible future career, but also ground him in things Rosetta Stone V3 "other than football and boys' things. I insist he goes. All the other stuff he gets away with, but this is one thing I say 'no, you're doing it, like it or not.'"

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