Today’s money tip focuses on two common personal finance questions: how do I get out of debt and what do I do with my money once I am? The economic events of the past 2 years have caused many Americans to slowly sink into debt. If you’re in this situation, you’re probably wondering what you can do to reverse it. To start, reduce your credit card usage and set a strict budget. Create a debt payment plan, mapping out what you will pay each month, how much and to whom. If you have questions on how to do this, speak with a financial professional. If you’re more concerned with how to invest because you have some money, the number one rule is to diversify. Spread your money around so that the risk factor on one investment doesn’t affect your entire financial picture. These questions are just the tip of the iceberg when it comes to common financial questions. If you have a specific concern, contact your local banking professional. They are ready and willing to help, and armed with a wealth of knowledge.