Prices for nearly every commodity have been significantly lower this year. And that may mean that many operators whose credit in the past has been good may be a bit shaky. Experts advise to act quickly if you're facing financial difficulties and offer these 10 tips to get back on your financial feet:

* Cash is king in tough times. If a new item can't create enough cash to pay for itself over a reasonable period, don't buy it.
* Use a budget. This will help maintain a business's direction.
* Look objectively at your ranch's financial performance. Be sure you're getting the maximum return from your investment.
* Examine your debt structure. Is it possible to increase your long-term debt to pay down short-term debt?
* Do a financial review.Use current inventories, cash flows and balance sheets for a financial review with your banker.
* Ask about USDA's guaranteed loan program. Your bank may restructure your debt over a longer period at a lower rate if the loan is guaranteed.
* Review your insurance. Increase your deductibles to lower your premiums.
* Check life insurance policies. You may be allowed to borrow against the cash surrender value.
* Deal with financial problems immediately. Make sure that you talk with your lender early and often.
* Take some time off and get away from your business problems. Put the concerns aside temporarily, then come back to them with renewed strength and resolve.