The numbers read that over 400 million Spanish speakers are in the world. Therefore, Spanish is the fourth most commonly spoken language right under English, Chinese and Hindustani. Additionally, now that Hispanic commerce is booming in North America, it is important for business competitors all over the world to find some way to keep up.

Most people don’t know that over 91% of fortune 500 companies and forbes international 800 companies cannot meet the needs of people who speak a foreign language because they do not have the ability to respond correctly to a foreign language.

Since learning Spanish would increase the general ability to communicate with the large amount of immigrants that come into the country each year, some wonder if requiring Americans to learn Spanish would be the solution to keeping up with the increasing needs of the Hispanic culture.

There are two different sides to this issue. Some believe that Americans should learn Spanish because if Americans learn Spanish, they would mostly help themselves in the long run. When people learn Spanish, they are able to have a more competitive resume when they move into the work force. Such an edge in the job market would then allow Spanish learners to demand higher pay than other job searchers who can only speak English. Furthermore, if fortune 500 companies are not able to satisfy the needs of Spanish speakers, the Americans who learn Spanish will become like precious jewels among these types of companies.

Also, when people learn Spanish, they learn about another culture. Learning about other cultures decreases the likelihood of discrimination not only in relation to the Spanish culture, but other cultures in general. People will become more aware that other types of people exist, and that these people have needs and wants that may be different from their own. An increase in cultural awareness cannot help but be beneficial to the general mindset of Americans.

On the other hand, many people believe that since the amount of Hispanic immigrants is so large, Hispanics often get very comfortable when they come to the U.S., and often they don’t feel that they have to learn English. It is not rare for immigrants in the United States to either never learn English or remain in America for many years without even trying to learn the language.

It seems that if Americans were required to learn Spanish whether by their jobs or schools, Hispanic immigrants would find even greater comfort and feel that they do not have to learn English. Americans that learn Spanish would continue to experience all of the benefits of the language. However, Hispanics would experience many negatives.

A Hispanic living in the US who does not learn to speak English would experience a lack in the number of jobs they are eligible for. Therefore, such a person may experience high levels of unemployment or poverty and may only be able to obtain jobs that require manual labor. Other workers will be able to pick and choose where they would like to be employed.

With the increase in Hispanic businesses many companies may push their employees to learn Spanish. However, it does not look like it will be a requirement any time in the near future.

Work with what you’ve got.That’s what my mom always told me growing up, anyway. She’d unleash that saying whenever I would whine because I didn’t have a fancy enough bike, couldn’t afford the latest toy or outfit, or, later, when I didn’t have enough to go to my favorite college. It used to frustrate me to no end. But the woman had a point.

Most of us Americans spent the last decade or so spending money we didn’t actually have. If money is supposedly the root of all evil, then lack of money—credit card debt, more specifically—is a close second. It’s not just the debt, but the interest that kills you—once you’ve overspent, it’s all too easy to keep using the credit card to pay off your purchases. How else are you supposed to do it, unless you win the Lotto or suddenly receive a massive inheritance, right?

But there is a way! You just have to—you guessed it—work with what you’ve got. And if you can master that, solving the rest of your money woes will be a breeze (alright, maybe not a breeze, but it will be a heck of a lot easier).

The fastest way to save is to cut back on your (gulp!) favorite vices, e.g. shoes, coffee, techno gadgets, beauty products, etc. If you’ve got an addiction to it, you’ve probably already got a stash that can tide you over. I recently cleaned out my bathroom and realized I had seven different kinds of shampoo, each about three-quarters full (did I think each new bottle was a miracle product that would cure my perpetually frizzy hair? Did I think the bottles were pretty? I don’t know). I vowed then and there to not buy another hair product until I had used every drop of what I already had. The same goes for my lipstick, lotions and other beauty potions.

If you clean out your closet, I’m sure you’ll find plenty of shoes that haven’t seen the light of day for a while—pretend they’re new! Lusting after the latest cell phone or PDA? Hold off for awhile. You know you’ll be itching to replace it six months later, when it’s already outdated. Are the kids begging for new toys already? Explain to them why it’s important to appreciate the stuff they already have—probably some of which they just got for Christmas. Once you start working with what you’ve got, you might even savor the breather from material things. When the economy took a dive last year, it’s like it held up a mirror to our culture for the first time—and it was a little bit scary. But now that we know what we don’t like about ourselves, it’s time for a makeover.

Now, along with the material stuff, you’ll probably have to brainstorm other ways to cut back. This is the hard part. If you’re using cash (good for you!), try putting all of your loose change into a jar. Every month, turn it in and put it towards your debt. Maybe you can turn the heater down a few degrees, carpool to work or go jogging in your neighborhood instead of paying for the gym. You’ll find a lot more ideas in our Financial Toolbox (which you can order here, or get by signing up and attending one of our free workshops). A little bit here and there will add up without feeling too restrictive. But if it doesn’t add up enough, don’t give up. Instead, reach out. Get your worries off your chest by talking to a friend or relative. And get help by working with an expert—what you’ll get when you sign up for our free personalized debt analysis. We’ll show you how to work with what you’ve got to get where you need to go.