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As many people are experiencing tough times today,one way to survive is to budget our income by not living above our means.Some people survived this financial crises,sky rocketing prices in every thing because they are money wise.We should cut our spending on things that are just for clamor and pleasures and only spending them on things we really need day by day.But of course to those who are financially wealthy they can do what they want because they can afford.But we must not envy them.As we start to learn to be money wise we should also learn to be spiritually aware.If we want to secure our future in this material world we should also make a move to secure our souls in the spiritual world.To survive this tough times even a little prayer to GOD is of great help and it is one way of recognizing and respecting HIM.GOD said follow my will and all will be well for us.Read Matthew's 6:33-34, PHILIPPIANS 4:11-13,We should also learn to be content in every thing.Always craving for more only leads to stress.