What kind of advice do you need from CNN's personal finance gurus?

Are you starting over? Trying to make the best of things in this economy? Let CNN's Ali Velshi and Christine Romans offer you some personal finance help.

Send us your questions. We'll send them to Ali and Christine and they'll answer them on the Changing Gears website the week of December 19. We'll contact you if your question is selected and you'll get a copy of their new book, How to Speak Money.

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Which statement describes you best?

My personal finances have gotten worse within the last three years.
My personal finances have gotten better in the last three years.
My personal finances haven't changed much in the last three years.

Write your personal finance question here. What would you like advice on?

Is there anything else you'd like to add about your financial situation?

Do you think your personal finance questions are representative of those in your community? If you'd like, please share your thoughts of the major financial concerns in your community.

Now just some questions about yourself. What kind of work do you do?

What race or ethnicity are you?

What is your gender?

In what year were you born?

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