To survive in today's troubled financial times, doctors need a plan. Consider these tips from the Institute of Consumer Financial Education (www.icfe.info): \n\nPromote and maintain favorable, positive attitudes. \n\nReach decisions and then act on them. \n\nDocument and maintain good records of finances. \n\nMaintain good credit control and don't overspend. \n\nKeep knowledge about personal finances current.