In times of desperation

We use desperate measures

We refinance our homes

And we part with family treasures

It breaks my heart to drive straight past

The mega-savings sale

Without the cash spare to indulge

And no cheques in the mail.

The mortgage still needs paying though

Although the value's dropped

The housing market sinking fast

The housing boom just stopped.

But what about important things

The things that come for free

Like having healthy children

And a happy family

A solid roof above your head

A fire to fight off cold

Grandchildren that will keep you young

When you are feeling old.

So just before you get all sad

And slip into depression

Just think of all the things you keep

In light of a recession

And thank the stars for all the things

That come without a cost

With family all around you

You'll see hope is never lost.