With tens of millions of Americans losing their jobs, the U.S. is approaching Depression-era levels of unemployment. Millions of households across the country are staring at their budgets trying to figure out how to save money, lower bills and cut back.

Even if you haven’t lost your job, now can be a good opportunity to start creating a sound financial plan. Most people don’t have a solid grasp of their financial situation, says Stephanie Mackara, president of Charleston Investment Advisors in Mount Pleasant, S.C., and author…

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