ABC News recommended tracking your spending for the upcoming year in Dec. 2013. If you're out of work, financial planning can be the key to your success because job searching can get expensive if you need to invest in an interview suit, business cards, or a premium LinkedIn account. These techniques are common sense practices. If you are struggling to make payments or have extreme debt work with your bank or credit card company to regain financial security. This is especially important if a company runs a financial background check prior to hiring you.