In uncertain times it is especially important to properly view the debt that you are carrying and how to best strategically look at reorganizing that debt in order to give you options. There have been far too many individuals and even businesses that simply limited their options by not managing their cash. In a time like this, managing your options is key. Properly managing your debt will ensure that you are maximizing your savings and available credit lines, minimizing unnecessary spending, optimizing the terms of your housing costs, and ensuring that your transportation costs are streamlined. However, the most important factor when preparing for or in uncertain times is how well you respond. Responding with a clear mind while implementing a plan of action that you have already developed will ensure you do not box yourself in. This will keep your options open and in-turn protect and even create margin.