1. With the economy so poor everyone will want to learn how to make more money. It's possible. You just have to work harder as a team.

2. If you have a job then that's great. You can learn to keep that job and reduce your spending. One penny save is one penny earned. People spend so much when they have a job. They think that they can. Believe it or not reducing your futile spending will help out a lot.

3. Cut out unimportant spending like clubbing, car tickets, late fees payment, interest, vacation, beers, makeup, shopping, clothings. Most of these you already have and you don't need to buy more. Believe it or not most people are shopcaholic and will spend to the max. You don't really need that $200 jeans do you. But most people do get them.

4. If your primary job is not enough. You can get a part time job at night or on the weekend. This will help out so much and you don't have to worry about not having money. You can take a less prestigious jobs like being a waiter or something like to make more money. Get your spouse to work more too if they don't work. One person working is not enough.

5. Make money while you sleep. Selling on ebay, freelance writting, investing, renting rooms inside of your house will all help.

6. Make a budget and don't go above it. Stop buying and use what you have. Learn to invest in real estate and make passive income. Become a consultant at what you do by starting your own online business or take freelance project. If you're a doctor or a nurse you can team up with a lawyer and do consulting for them. Most of all don't spend too much and only buy what you need.