Usually at least once in every person's life comes a time when the need is great and the resources are few.All of a sudden and without warning, your roof begins to leak! Your hot water heater shuts down and your computer goes up in smoke, the clutch needs to be replaced in your car and your son decides to have his wedding on the Isle of Oahu - all of this within the same week!As you sit, stunned and you ponder an exit strategy you receive a friendly letter from the IRS explaining that you miscalculated your taxes in 1996, and they now own your house.At times like this, you need a plan of action. Some useful cost-saving tips and income generating ideas just to make sure you can sleep at night.