how to manage your money in this global crisis situation?

if you are looking for answers.. you can stop reading! hahaha.. or you can go to quantum magna website : http://qmfinancial.com/
just few weeks ago, my company's women network invite this young, brilliant & very good speaker, Ligwina Hananto (she's a frequent financial speaker for a famous radio station).. so many good tips from her especially about how to know if you are a 'true' wealthy person or a fake one.. but, to be honest, I haven't got time to really look at my family financial situation.. hmm.. actually.. i'm affraid to know the truth!!
so far, I've been told that our company is financially strong, although we need to tight up our spendings (isn't that what we have always been told by our boss even before this global crisis situations?).. well that is for my company's finance..
what about my family's finance?
I don't really know. But I know I still have debts in my credit cards also our car-loan (due in March 2011!).
Yesterday, I paid one of my credit card bills overdue, I do not know if they already charge me with interest, but by how the called me to reminded me, I guess not.
I paid them all. I was thinking to pay it partially (not the minimum, because it will need me to pay 10 times for minimum payment with interest 3.5%??), but I still have cash, so I decided to pay them all. I was a little bit furious to myself because I forgot that I still have payment due, I thought I already paid them all. And because I forgot, I already spent money I thought I still have!!! It is really dangerous!!
We've been paid from our job and one of our task is to care with the company financial situation. But why... why we give less care to our family financial which is more important... I can't give you the answer..
What I know is, I am still in my blackhole and I'm waiting for someone helping me to get out from here... hahaha.. that's the easy way right?! Hoping someone will help you out???
I wish....