Federal incentive payments for low-income workers explained.

Times are tough, and gold prices are high. People are looking for ways to raise extra cash. It is important to comparison shop to avoid gold buying rip-offs.

Louisiana submitted the most stories – 104 – to a national extension Web site called Managing in Tough Times.

Many people feel fortunate that they managed to hold onto their jobs this year, but few were fortunate enough to see a pay increase. Some who work hourly or on commission are actually seeing a decrease in their pay check, which leaves many families trying to figure out how to live on less.

This four-page publication presents strategies to help individuals and families experiencing low or reduced incomes manage spending to maintain a quality lifestyle.

Grocery shopping can be a real challenge, especially if you are on a limited budget. However, food is a flexible budget expense that can be reduced when money is tight. By planning ahead and managing your money wisely, you can still serve meals which are appetizing, easily prepared and nutritious.

When you do not have enough money to cover your family's basic living expenses, you must make difficult financial decisions. Learn strategies to determine which bills to pay and how to work with creditors.

Learn money-saving tips to help you stretch your dollars. Topics discussed include housing, heating and cooling, electricity, telephone, food, transportation, clothing, medical and recreation.

Some of the practical and performable routine maintenance tasks that vehicle owners can do themselves to save money.