In today's economy, it's natural to be concerned about money and job security. If you've been laid off in the past, or know many people who have been, your fears about job loss might be elevated.

These tips can help you take action to secure your place in the workforce and your financial future. Knowing you are doing the best you can should help alleviate your job worries.

1. Save for the future. - Now, while you're employed, is the time to save for the future. Just making ends meet? Consider a part-time, second job, or bank any bonuses you might get -- including that tax refund. Think about expenses you might be able to cut with the goal of setting aside 10 percent of your income for an emergency savings account.

2. Talk to your boss - If you're concerned about your position in the company, talk to your boss to get a realistic assessment of your security. What projects can you take on that would make you more valuable? What additional skills should you work on? If your boss assures you everything is fine and that you're in a stable place, believe him but keep working to improve. You'll feel more fulfilled and even more secure.

3. Stay in tune with your company's finances. - Know how well your company is doing, financially. If the company's not doing well and you sense lay-offs on the horizon, it might be time to polish off your resume for a pre-emptive strike. If you're the entrepreneurial type, now's the time to start that business you've been dreaming of, on a part-time basis. If you've been contemplating a career change, see wat it may take in terms of education or certifications and get started now. You'll have something to fall back on if the ax falls.