I cannot stand to even visualize my children going hungry, or myself for that matter! If disaster struck today, this hour, this minute, how long could you provide sustenance for your family with the food store you have on hand? Would you even have drinking water available?

Life has afforded many of us the privilege of weekly grocery shopping and ready access to water. However, any one of many factors could easily turn this cushy situation around.

A large pizza with pepperoni, olives, mushrooms and extra cheese please! Oh, the thought of it alone makes your mouth water, doesn't it? How we all love pizza! In the United States alone, over $20,000,000,000 (yes, all those zeros add up to 20 billion) was spent on pizza in 1994.

I have this tendency to try and get everyone in my family everything they could possibly imagine for the holidays. While a reasonably noble cause, it is not always a responsible one. Believe me, I have gone well over the limit of both credit cards and checking accounts alike trying to find "the perfect" gift for Mom and to provide a veritable sea of new toys under the tree for my four children.

In the legislative session just closed, Oregon took a huge step toward ending financial exploitation of the desperate and capped payday lending rates. As a result, at least 60 payday lenders have closed shop in the state, claiming the regulations are too severe.

What cap did the legislature place on the lenders? No more than a 36% annual interest rate. You read it right: 36% interest. Sounds like a lot, doesn't it?

I have never won the lottery. Not really sure what I would do if I did, really. I think I would pay down the house, and maybe buy a new bicycle. I think I would buy Lynn and me a couple of new laptops, and certainly, the kids would get new bikes as well as some new clothes, but I am not a big car kinda guy, nor am I a big house kinda guy. I don't drink, and I don't gamble, and I have no desire to buy into horses, boats or racecars. I have a sneaky suspicion that Edward Ugel would hate me.

When I was working, my husband and I both made money and both handled the money. But most of the time, he was balancing the checkbook and paying the bills. This was fine with me since I never enjoyed all of the tedious details that went with the day-to-day money management. And when we were both bringing in money, there was less stress and more cash to go around.

With our income reduced, we're trying very hard not to let anything in the kitchen go to waste. This takes some organization, and I'm not famous for that. So I'm researching home kitchen management techniques.

Whether you're a stay-at-home mom or one who works outside the home, there are always times when you think "I could use an extra $20 or $50 this month." It may seem like a small amount, but it can often be critical to making ends meet.

Fear not! It is possible to do things to make this extra bit of money, or even, in many cases, more. There are numerous ways to earn a bit extra each month, often without leaving the house! (Or at least, not leaving very often.)

Before you start any of these ideas, however, there are a few things to consider:

Find prosperity in ordinary envelopes. That's right, if you've gathered the data outlined in part one of this article, you're ready to move your family to a mostly-cash economy. This will almost certainly, if you do nothing else, limit your spending.

If you are already living on less than your household income, you're on your way to building financial security for your family. You already know that you can't save anything if it's all getting spent, but maybe you're not quite sure what to do with the extra piling up. Consider this column a quick primer on dealing with the excess you're working so hard to amass.