Tips for staying sane and viable through the tough times

This is one challenging economy.  Here's how you can manage to stay in good shape.

Avoid these pitfalls:

• Over-extending: good times don't last forever
• Over-contracting: neither do bad times
• Panicking: don't jump at your first rescue option, it may not be the best one
• Putting your head in the sand: the payment system is changing.  You'll need to adapt or die.
• Second guessing: too much wasted energy better spent on planning and acting.

Good luck,

Dr S
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