In Sharron's article she explains that, "Unfortunately, the 2008 National Foundation for Credit Counseling (NFCC) Financial Literacy Survey co-sponsored by MSN Money revealed that the majority of people don't have a sufficient emergency fund, defined as three to six months' income saved. More than one-third, or roughly 76 million adults, say they do not have any nonretirement savings. Although the majority of people are currently saving for retirement, more than one-quarter aren't saving." She goes on to suggest several ways to save in 2009 including " First step, start small. Save for one month's expenses. Put 10% of your take-home pay into an interest-bearing savings account. Plan to have saved at least one month's worth of expenses — or better yet, one month's salary — by the end of the year. Shop around for the best rate. The bank where you have your checking account may not offer good interest rates on a savings account. Compare rates at sites like Bankrate.com and SavingsAccounts.com. Make sure the institution is FDIC-insured..."

You can view the full text of her article on today.msnbc.com