Our experts' tips for '09 Bankrate's columnists give their 9 tips for 2009. Take a look at what the experts have to say about buying or selling real estate, managing your debt, saving for college and more. Read onSmart strategies for '09 Wondering what will happen with CDs and mortgage rates? We give you a summary of what happened last year, along with strategies you can use in the new year. Read onMoney-saving tips and tools Check out our 100 tips to help manage your financial life in 2009, as well as our financial calendar that gives you all the important dates at a glance -- from when to file your taxes to the best time to contribute to your retirement plan. Read on advertisementRelated Links:Save with no-spend monthLocal ag: fresh, cheapBest times to shop for bargainsRelated Articles:Q&A with Kim DelaneyBail yourself outSpring clean your finances