Gasoline costs more than $4 a gallon. Food prices are rising. Home foreclosures are increasing.

Surrounding us are messages trying to entice us to spend or put on credit all the latest gadgets. Credit card offers arrive in the mail almost daily. It's easy to get now and pay later — sometimes much later.

Does this sound like a recipe for disaster?

With financial pressures increasing, it's more important than ever to have a sound family financial plan.

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