I know that money is tight right now for the majority of Americans and others around the world, but have you considered stock options? We've really spent a lot of time talking about the economy, our own personal financial condition and possible ways to earn more income along with ways to decrease spending. There are companies out there that can guide you through the investment process so that you can make the most of your money.
Wicked Profits is one such company. Upon a good review of their services, I think I can recommend them as a reputable investment advisory service. They've been around since 2000, so they're not the new kids on the block. That's pretty important because you want to go with someone who has a proven track record.
Why is it a good idea to invest? I think it proves good stewardship of the money God gives us. Remember the parable of the talents? The servant who took the money and buried it because he feared his master was very unwise and was scolded. Then the little he had was taken from him and given to the servant who had the most. That servant - and the next one too - took the money he was given and invested it. The money grew and the servants were commended for their faithfulness.
If you can spare a little to invest in your future, you will want to check out a service such as that found at wickedprofits.com to guide you.