3 ways to fix your personal finances in the economic downturn

06/28/2010 | CNNMoney

Many small-business owners hit hard by the financial crisis have taken drastic measures to keep their businesses -- and their families -- afloat. Experts say small-business leaders should remember to pay themselves first and work to have 12 to 18 months of living expenses in the bank to keep their personal finances in order. "If you can't pay your own personal bills, that's a road to ruin," says financial planner Patrick Collins.

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