It’s no secret that your debt and your job are closely connected. Unless you’re one of the lucky few who are totally debt-free, one of the reasons you work is probably so you can pay your debts.

The prosperous and thriving economy that we’ve been enjoying for decades has turned into recession. But if you think things are tough now, how will you make it when times truly become difficult to live in? What do you think will happen if the financial apocalypse hits?

Will your debts still follow you? Probably so. Unless there is total breakdown of all communications and money transfers, your debt will still be a monkey on your back. Regardless of the economy, you’ll still be responsible for paying it.

Will your job still be around so you can pay your debts? Probably not.

So what can you do to resolve this dilemma and better prepare yourself to handle financial chaos? What kind of a plan can you put in place for your money and savings?

Most importantly, what steps can you start taking if your resources are limited?

Following these guidelines will give you an advantage:

1. Start paying down your debt. Absolving yourself from debt will be one of the best things you can do to free yourself from your financial burdens and help you become much less dependent on your job to make ends meet.

* Put your credit cards away. Over 8 million Americans have foregone using credit cards altogether, so why not follow suit? If you rarely use your cards, your payments will make more of an impact.

* Send more than the minimum payments. Even if it’s a small amount, every extra dollar you send will bring down the debt, as opposed to mostly paying interest and related charges.

* Make a plan and follow it. Determine where you can save money from other expenditures and use these savings to pay down your debt. Perhaps you could get into couponing. Maybe you could stay in one night a week instead of going out.

2. Reduce your dependence on your job. There are several things you can do now to alleviate the negative effects of losing your job in an economic meltdown:

* Start developing saving habits now so you can make your money and resources stretch as far as they possibly can when it counts the most.

* Establish more streams of income. What services can you do for others that they’ll pay you for? Can you make items to sell? Perhaps you can pick up items at flea markets and garage sales and then sell them for a profit on Craigslist or EBay.

3. Acquire a healthy collection of gold and silver coins. They’ll be your best bet for ensuring that you’re able to provide for yourself and your family when the dollar devalues, inflation grows rampant, and supplies grow scarce!

Thinking of the financial apocalypse may sound morbid, but having a plan to fall back on in case it happens is smart. Start putting these guidelines into your money plan today to secure a bright financial future for you and your family.