Now that the tax rebates are actually arriving, how are you spending them? Are you stimulating the economy like President Bush hopes that you will? Or are you being more conservative, and saving it or paying off debt? Join the discussion in the forums and weigh in.

Are you prepared for a possible recession? The best way to prepare for a recession is to have an emergency fund in place, and to work on getting out of debt. These things can help you deal with the rising prices and possible job losses. It is also a great time to get ready to purchase a home. While falling home prices aren't great for current home owners, especially those who want to sell, now is a great time if you are a first time home buyer. You need to make sure that you are really ready before you make the purchase.

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• Before You Buy a House
• Prepare for a Possible Job Loss