Not buying that cup of coffee? Thats ok, your only hurting your local economy.

Many people wake up and drink a cup of coffee every morning, most of which will never understand the true circle of money. If only we could have a magical key that would fix our growing economic problem. The trickle down effect of a bad economy started hitting home for a larger number of people this year.

But do we really know how bad it is? And do we really know how to fix it. These are just two questions of the many being asked at just about every social gathering place.

My wife and I recently visited a friend of the family. It was cold that day and since she owns a coffee shop it worked out perfect. We said our hellos and how are you. One of the conversations we had was about how hard it is going to be too come up with a solution to our current financial situation. Her business plummeted the days following the large drop in the DOW. Many financial planners said no more coffee! They took it serious she said and with good reason. But what many do not realize is the ripple effect it would have.

She went on to tell my how she is making it so far but she had to cut the hours of all her teenage workers. And that is a big problem- those teenagers are the ones that drop millions into local economies by shopping at local retail centers. And do not forget the thousands of people that will lose their jobs. From drivers of goods to the night cleaning crew that cup of coffee represents more than you think.

It is too late to stop what we have set in motion. This has nothing to do with good or bad financial planning or about a gloom and doom attitude this is about shopping local.