Worried your bank is going to close? Don’t know what’s in your 401k? Not able to afford gas?  Bills causing you to lose sleep? In these uncertain times, there’s often no road map to tell us how to dig ourselves out, pick ourselves up, and keep on keeping on. With some of the largest financial institutions crumbling, and the prices of everything going up, how can you manage your money?

Lynnette Khalfani, The Money Coach and author of Zero Debt is on hand to help you navigate your financial future. Tell us how you’re surviving or struggling with these challenging times by e-mailing us at tanishastips@essence.com. Be sure to include your name, age and hometown, and title the e-mail The Money Coach. You may see your question answered in ESSENCE.