Keep your freezer and food pantry stocked.

Determine what assets you could use in event you needed money to get by. Start with things like an IRA, 401k or other savings. You can also consider things that you can sell to bring in money or reduce your debt.

If things get real bad, you will need to know where you can get help. This could be from family and friends or government aid. There are a lot of people that have had to resort to this form of help that never believed it could happen to them.

Know your priorities. Food and shelter will be your main concerns if you lose your income. Whatever money you have should go for these expenses first.

Contact all of your bill collectors as soon as problem arises. Let them know that you have lost your income and are doing everything you can to get back on track. Get persons name and department you spoke with and tell them you will keep them posted. Trying to hide from these people will only make matters worse.

Let entire family in on problem and tell them that there will need to be some adjustments made. Enlist their help with ideas to earn income or cut expenses.

Being prepared for worst will make you sleep a little better while times are good.

If your wife or girlfriend has said that to you, it is time to definitely pay attention to warning signs of a relationship on edge.

Think about it. When's last time you showered your wife with attention and a special gift? When did you let worries of your day slip away in order to let your wife or partner know how much you love her and how special she is to you? What may seem like a little while to you may be an eternity to her.

Well, I have a solution for you. With Valentine's Day right around corner, you can do something really extraordinary for that special someone. Take time to make this year most memorable ever. I promise you it will be well worth it.

Think about what you can do to show your sweetheart how much you care for her. Think about what she would enjoy receiving from you. And no, in most cases, tickets to a sports event is not answer here. Sure she may enjoy that on occasion, but truth be told, for this Valentine Day you probably want to make it really special.

Try this. Go shopping for romance cards. Start immediately to send first of cards. Repeat this each day until Valentine. Actually, to really spice things up you can send cards for a few days after. And yes, do send them. This will keep you focused on her every day.

In each card, write a message about a unique gift she will receive. Maybe it's a foot massage, or you will run her a bubble bath and give her a shoulder massage. What about a walk in park or an afternoon matinee movie? The gifts don't have to be financially costly, but they should require some time on your part. For most women your time will mean much more than an expensive gift. And yet, expensive gift can work well too.

You know, and I know, women love to be pampered. Imagine your wife's surprise when you treat her to such a memorable valentine. Of course, you never know what might happen during course of you showing her with your love, affection and appreciation.

With our daily experiences life can change on a dime. With pressure of work and personal demands, a huge challenge we have is to make sure those people we love know it, day in and day out. Imagine what it would be like to not have opportunity to let our loved ones know we care.

Doesn't your wife, partner, lover, friend and confidant deserve to know how much you care. I think so and you do too.