Unemployment is the highest it's been in recent memory. What's worse, many more employments are at risk and, many personal financial savings accounts have taken a hit; yours may be one of them. No matter what you hear on the news, the employment picture will not be improving anytime soon, so you have to continue down the path of saving more and spending less along with everyone else.

 This may not work for each expense category you currently have, but it most certainly can be applied to some of your major expense categories that you may not even be thinking of. Chances are you are currently spending money that you could spend a little differently and actually make money.

You can limit your cash spending by cutting up the credit cards. Credit cards are convenient, but that's exactly the issue. That's why people are in so much debt. People love convenience, but hate discipline. Now, everyone's paying for it. Are you one of them? If you insist on still using credit cards, you can check with your card issuer to see if they will lower your interest rate or see what other incentives they offer if you your credit is good. If they won't help you, find a credit card issuer who will.

When making financial decisions, time is definitely of the essence. Every decision you make today will somehow impact your financial future and your life either positively or negatively. By the way, not making a decision is a decision. Procrastination is not a solution. Decide what direction you want to your future, financial and otherwise, to move in and get going in the direction of your dreams. Thirty days from now, you will either have taken some minor steps forward or some major steps backward. The choice is now, and will always be, yours. So, what's it going to be?

We invite all of you to get a discussion going.  Please submit your comments at the end of this article, Thanks.