While economists debate whether the country is in a recession, consumers are being buffeted by skyrocketing prices, growing debt, layoffs, the subprime lending squeeze and a stock market roller coaster.

While you may not be able to control the price of oil or the prime rate, there are some simple things you can do to shore up your finances, safeguard your future and ride out whatever the economy throws at you.

Here's a list of ideas that hopefully will help you get through any hard times, plus tips if the hard times have already hit your household.

*Dealing with hard times
*Eliminate the nonessentials
*Start a go-to fund for emergencies
*Consider cutting back (rather than cutting out) for some expenses
*Safeguard your current job
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