Are you struggling under a mountain of debt? Are you unemployed and having to pay for life’s expenses on your credit cards. Or, maybe the debt you’re carrying is manageable, but you could use a little help.

Do you think the new credit card rules will help you? Or will they make no difference?

Post your comments below, and a CNNMoney reporter could contact you for an upcoming story. If you’re in the New York City metro area, a video crew is interested in coming and visiting you.

Sure, foreclosures can be a great deal. A house for less than $100,000 – a steal in most cities. But that belies what it can take to get the property into habitable — or even just comfortable — condition.

Did you buy a foreclosure in the past two years? If so, we want to hear about your experience. What did you think it would take to fix it up? What were the costs? What were the surprises?

Leave a comment and a reporter could contact you for an upcoming story on CNNMoney.

Have you done a short sale on your house only to have your mortgage lender sue you for the difference? Or, have you gone through foreclosure only to get sued for the balance on your second mortgage or HELOC?

Leave a comment and a reporter could contact you to be part of an upcoming CNNMoney story.

Were you placed in a HAMP trial modification but denied a permanent modification? What are you doing now? If you are in this situation, please comment below or send an e-mail to realstories@cnnmoney.com. We are interested in profiling people in an upcoming story.

With the economy in recovery mode and a new year underway, what’s your 2010 plan for your portfolio? Will you invest more, less or not at all? Are you willing to take on more risk?

Tell us your story – or the basics – and a reporter may contact you for an upcoming story on CNNMoney.

Times may be tough, but the holidays are approaching. What are you going to splurge on this year? In the past “luxury” might have meant a fancy TV or vacation. What does it mean this year? Something simple, or are you going all out?

Health care reform looks different to each person — because health insurance options vary so much for each family.

We want to know about your health plan. If you have it, how much do you pay and what do you get for it? Is it a good plan for a reasonable amount, or do you pay a fortune for what is essentially catastrophic coverage? What does reform mean to you?

If you don’t have it, what do you do instead? Do you not visit the doctor, or do you find physicians who will work with you? Have you had success negotiating costs?. What could you pay/be willing to pay for insurance? What does reform mean to you?

Tell us your story — or the basics — and a reporter could contact you to discuss your situation for an upcoming story on CNNMoney.

Have you purchased a home using the $8,000 first-time homebuyers tax credit? If so, we want to hear about what you bought and how the credit impacted your shopping and decision. Post your comments below, and you could be part of an upcoming story on CNNMoney.

Have you retired to your dream place within the past three years? Or are you getting ready to do so? If so, we want to know where you moved (or stayed) and why you chose the area. Tell us your story below, and you could be part of an upcoming CNNMoney/Money magazine story.

Do you work for minimum wage? How do you make ends meet? Will the increase in the minimum wage help you? Or will your employer be cutting back positions to make up for the extra costs?

Tell us your story, and you could be part of an upcoming article on CNNMoney.com.