Change can lead to new opportunities

If your expertise or passion is helping people to live happily on a budget, restore balance, get back to basics, reduce stress, or reduce expenses , this is your time. If you can take your expertise and use it to create products or services that are currently in demand, get out there and get started. There is always opportunity to make money in any economy, so think about it, pray about it - use this time to brainstorm and get started.

This could be the opportunity you have been waiting for to start your business. it's ironic - but it seems when we have money, we have no time and when we have time, we have no money.

• Start reading - there is a blog on virtually every topic you can think of.
  
• Start a Mastermind group with a few friends and meet at your home or the local library rather than going to an expensive restaurant for a social lunch or dinner.
  
• Take an online class (if you can squeeze it into your budget) increase your expertise - learn more about publishing or marketing instead of traveling to a high-cost seminar.

The economy is cyclical - make the inevitable down times work for you while waiting for good times to return. Stay focused on your game plan and look for ways – (like writing a book or learning a craft) – to invest your time and money wisely.