These are tough times. And many of us are feeling it in our wallets. But .. No matter how tough times are, we can't forget the basics. And the subject definitely is one of the basics. And, without the basics taken care of, how can you get started?
Below is one of the best articles we have ever read on the subject. It lays everything out nicely, it's easy to read, and, understand, it touches on all of the key issues, and, best of all, when you have finished reading it, you will definitely know which is a very good direction to take given your circumstances.

Hey, check out these auctions:

6′ HIGH DENSITY 6FT HDMI CABLE FOR DIRECT TV LCD HD DVR

US $4.29 (0 Bid)
End Date: Wednesday Jan-12-2011 18:32:49 PST
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Vizio 26″ M260VA Energy Star 720P Razor LCD LED HD TV

US $184.99 (0 Bid)
End Date: Wednesday Jan-12-2011 18:32:58 PST
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Cool, arent they?

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