In our economy, people need to modify their savings and investment planning. Here are some survival tips:

• Pay yourself first – use your direct deposit to automatically put money into a savings account
• Bank online – with automatic bill payment, you’ll save money from not buying stamps, and not driving around to pay your bills
• Consolidate your credit cards into a single bill consolidation loan with a lower interest rate
• Use your company’s discounts for vacations or buying cars