Even if Washington is still hesitant to use the “R” word, we all know how things are headed. Most of us remember the drill from 2001 and the early nineties. At least that should be one comfort to us all — the fact that a slumping economy is indeed cyclical and the most recent recessions were short-lived.

Yes, we will eventually find our way out of this mess. The trick is to make it through the recession unscathed so there won’t be too many broken pieces to pick up.

Here are five tips for getting through a recession with nary a mark on you:

1. Increase Your Emergency Fund – You have probably heard this advice many times before, but it is more important now than ever. You should have three to six months worth of living expenses saved for an emergency. Is this realistic for the average debt-riddled American? Perhaps not, but now is the time to become frugal and start saving as much as possible.

2. Reconsider That Second Home – One of the worst things you can do right now is buy a second home before you sell the first one. The housing market is going to get worse before it gets better. Even if you qualify for a second mortgage and can eat two mortgages for a while, do you really want to live with that situation for an indefinite amount of time? The truth is, mortgage lenders are being extremely careful these days. Even if you can find willing buyers, it is hard to find buyers that qualify for a loan.

3. Start Training for Additional Job Skills – The most recession-proof industries are health care, education, security, energy and the environmental sector. Whether you work in one of those industries or not, you should try to increase your “hireability” by training for additional skills. Perhaps your company offers additional job training or there are adult education courses you could take at night.

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candy31.jpgPersonal finance blogging is a great way for both professionals and dabblers to share their personal knowledge with the world. With the right resources, just about anyone can be a successful personal finance blogger. Take a look at these helpful resources that will make launching your PF blog easy and fun.

1. Ask for help on sites like Ask Shane and ProBlogger: Don’t be afraid to reach out to your fellow bloggers to ask for advice. Use these sites to learn from the experience and mistakes of others. Once upon a time even professional bloggers were starting out just like you and they can be an invaluable source of guidance and advice.

2. Learn to code: You don’t need to become a coding expert, but it will help to learn the basics of the most common coding languages used in blogging. You’ll be able to better customize your blog both to your own design and to the needs of your readers. Check out these online resources for learning HTML, CSS and XHTML.

3. Concentrate on content first: While it’s tempting to get caught up in designing a swanky layout for your site, content should always be your first priority. Develop good articles first, and worry later about how they look. Use this article from SEOmoz for instruction on how to generate great content for your site.

4. Guide to creating hooks: Your hook is what lures readers onto your site in the first place, and this guide can help you develop a good one. Whether you’re banking on humor or your investigative reporting skills to entice readers, always make sure your hooks are top-notch or readers won’t return.

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