The information you gain could save you a lot of money and lead you to new opportunities. Make it part of your daily routine to read a few articles each day and few books each year. Like author of Rich Dad Poor Dad, Robert Kiyosaki's, new books called Financial IQ. Being prepared for opportunities is perhaps the best strategy you can have. The people who are out of debt and stay informed, could stumble upon a once in a lifetime opportunity.
(2) If you dont already have a budget, it's time to create one. Use a budget to reduce your unnecessary expenses (which average 30% in the US). A budget could very likely help you save your home from foreclosure.
(3) Pay down your debt and build a savings account of three to six months of your living expenses. This will be a great help if you get laid off and have to find a different job.
(4) Invest in your children's education. Education is going to continue to be very important as the global economy has little need for unskilled workers. Most Colleges and Universities are out of touch with the market, teaching skills that have little value in an economic downturn. Your education is too expensive to get a degree in basket weaving. Technical colleges are much better at reacting to market changes, offering programs that are relevant to the current job market and they are cheaper.
(5) Move your investments to lower-risk securities like bonds during the market shakedown, than move back to stocks after the market hits the bottom in a few years. Another option is to invest in commodities like gold, silver, wheat and corn, which are returning high profits, but they are also very risks, so be careful and don't bet the farm. The coming inflation and sinking dollar will push long term interest rates higher, paying good returns for anyone that has cash.
(6) Your mortgage payment is likely to be your largest monthly bill. Reduce your mortgage with one of the many options including downsizing, doubling up, renting, refinancing or even foreclosing.
(7) Put off dreams with large financial commitments, like remodeling or purchasing a new home. If you have been planning to finish your basement this summer, it might not be a bad idea to wait until next summer just in case you need the money or run into an opportunity to invest it for a large return or get a good deal on a product being liquidated at a huge discount due to oversupply from the economic slowdown (like a pickup truck, the lots are full of them).
(8) Reduce your food costs, by eating out less and buying more food from the grocery store. Plant a small fresh salad and vegetable garden this summer to increase your health and
(9) Create another income stream, even a small one. Maybe you take a second job for a month to pay off a credit card or maybe you sell your baseball cards on Ebay or maybe you find another way to start a small business on the side.
(10) Instead of going on an expensive vacation, consider an alternative family vacation this year like - sleeping outdoors under the stars. Many Americans have grown up with an annual family vacation, but it's time to stop the tradition at least for a few years. It you don't have the cash to pay for your vacation, then it's probably not a good idea to put it on your credit cards.
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