So the credit crunch is crazy right now due to the crazy time in the economy. Many people are asking for advice on credit cards, mortgages, and car loans. Not to mention all the people asking for stock tips.

The honest truth is people don’t know. I can easily say the Dow is going down to the 5,000 – 7,000 range or I can say we are almost at the bottom, but nobody really knows. Wisdom says there are good buys out there if you do enough research. Quick money can be made in a down market, so yes now is the time to buy stocks IF (that is a big IF) you do the research. In a down market you can also lose everything you own and more.

On credit cards you need to be careful. Make sure you are paying more than your minimum payment required. In fact get it paid off ASAP! Don’t walk — RUN!

In a down economy you need to be saving money like crazy. Back 20 years ago people saved upwards of 12% of their income. Do you know what people save these days? Let me tell you: Big Fat Goose Egg, yes that is right … ZERO – Nada – NOTHING.

Want to beat the recession? Pay off your credit cards, lower your interest rate on anything you can, and SAVE Money like a MANIAC.

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