The fiscal problems of today's school districts are a reflection of the national economy. Taxpayers are struggling to make mortgage payments and are reluctant--or unwilling--to pass bonds and levies that will raise property taxes. Local, state, and federal grants have dwindled, and the effect of the education stimulus dollars is uncertain. The time has come for many districts to tighten their belts and attempt to retain some of their contingency funds for more difficult times that may be on the horizon. A collaborative decision-making process that involves as many stakeholders as possible, yet is realistic and easy to implement, goes a long way toward helping school districts stretch what few dollars they have.