What is your most pressing financial concern, and how are you addressing it?

My husband and I are afraid that, in the face of the struggling economy, we may lose our jobs, so we developed a strategy to save for unemployment. We arranged for our bank to deposit a percentage of our paychecks automatically into a savings account. Because we never see that money, we don't spend it. And if we are fortunate enough to continue working, we'll have a great nest egg to use as a down payment on our first house.

This tip comes from Real Simple reader LYNORE M. ABBOTT, New York, New York.