PSP Issues

For some reason my X2 (haven't been able to buy x6u yet...hehe)...is NOT saving right!  I always save stuff I make for my blog in either .psd merged format with transparent bg, OR with multiple layers in both .psp and .psd format...well for some reason my .psd format WILL NOT save with layers, it keeps saving it as a merged image so it ends up just like a .png (if I have a transparent bg) or a .jpg (if I have a colored bg)...and I cannot find out wth is wrong.  It was saving just fine as psd images last time I did that (a few weeks ago). Any ideas?!  I couldn't find anything on it, except people that have no clue what is causing it and that I should uninstall/reinstall...I really really don't want to have to do that if at all possible.  So I thought I'd ask here.  Thanks all!!