"He Who Hesitates Loses"

You may or may not have heard this saying "He Who Hesitates Loses", but as a credit risk assessment planner counseling individuals in debt, credit and home ownership issues I see it as an important warning. Your ability to think and consider your options and take action quickly can be the determining factor in the amount of your savings.

Here are some money saving tips:You now see empty store fronts while driving down Main Street due to companies that have filed bankruptcy or simply liquidated their assets and left for parts unknown.
1. Use your store gift cards fast while they are still worth something.
2. If the store holds a 'liquidation sale' skip the first few weeks of the sale. Wait until week four.

"He Who Hesitates Loses" warning also applies to identity theft.
1. You will be happy you took this warning if your wallet/purse is ever stolen. Make copies of all contents in your wallet front and back and record credit card phone numbers to report a loss. But if you have not, then look on the last statement and contact the credit card company as soon as possible. With identity theft, the sooner the better applies.
2. You should also report immediately to all three credit bureaus your cards have been stolen. this could be a savings of thousands of dollars.
3. You will also have to have a police report filed, again, timing in this particular process is important from your creditor's point of view.

"He Who Hesitates Loses" can apply to so many aspects of your daily living from the stock market to business opportunities. But our mission is to encourage you to think, learn your options and take action quickly because some savings just will not wait. There are expiration dates that you must heed to save. Most people would think that any investment that brought you a return of 20% was good, but in your local grocery are you taking advantage of the 10-20% savings offered through coupons ?

Coupon usage has become more popular as an effort to survive this depression. Coupons can easily save you 20% on your grocery bill. Groceries are not the only place to save with coupons. Your pharmacy, hardware store, home stores and online retailers are offering big savings such as www.Coupons.com and www.RetailMeNot.com and www.SelectCouponProgram.com. Come back and look for my lesson on "HOW TO Make Money Without A Second Job".

Spectrum Resource’s mission is to teach you how you can live inside your income. Please add our link to your favorites and come back often to : http://MoneySavingTips.PolkVoice.com and visit our sister blogs, each with different articles offering resources and options: http://FinancialEducationAndOptions.blogspot.com and http://SpectrumResources.wordpress.com or email us at SpectrumResources@tampabay.rr.com or call (863) 967-0660

Help Us Help Others with a $10.00 tax exempt donation to our financial education fund. In appreciation of your contribution, we will send you a FREE COPY of a book on daily money management from local author Janet Shore titled “Hey ! Where’s My Money ?”. Use the online check processor www.Checkman.com/pay4it/12985 or pay by money order mailed to: SRDC 2014 Brentwood Dr. Auburndale, FL. 33823

"4th Of July And (Financial) Freedom"

You have just celebrated another year of freedom in the United States of America with fireworks, cold drinks and a hot dog or two. Filled with patriotism the cry was heard from coast to coast "Let Freedom Ring !" America has come a long way, as seen upon reflecting back. Also seen are many different cycles in our history . There are great debates going on regarding just how fiscally free the United States is at this point in time compared to our past. The cycles of spending, debt and rebuilding is not new in America. This article is not about America's debt, but your debt, and your personal freedom.

You also have a cycle in life going on. You started as a young person learning what money could do for you. If lucky, someone taught you how to make appropriate decisions in handling money. Sadly not many have been so lucky and they are in bondage, slaves to debt. Just as our forefathers took drastic measures to free themselves from the bondage of England, now is the time for each individual American to take drastic measures to become free. Slavery exist in every home in America where there is debt. You are not free to live by your choices when you are committed to a contractual agreement to pay for privileges and use of the many things that fills your environment.

You can break the chains that bind you to debt by taking a serious look at yourself, your priorities, and your personal values. You determine your self worth. If your self worth is about the amount of holdings that is tied to your ankle with a chain locked by a contract then perhaps you should re-evaluate your values. What do YOU really have, nothing ! The man holding the contract and who receives money from you has something, but you don't. Do a personal audit, for a reality check to which of your debts are based upon 'NEEDS' and which are based upon 'WANTS' .

Make the next 4th of July your celebration of personal financial freedom ! One that supports the real meaning our of nation's founders, for The People to be free. Our nation as a whole will take generations before it can celebrate fiscal freedom. However, you and your family can start today by making better decisions, structure a plan, putting more value on people than things. You can choose NOT to be a slave to a master that holds you down with a little 2"X3" plastic card. You can be financially free by seeking financial education and making better daily decisions because of your empowerment.

Our mission is to teach those who seek financial self sufficiency. We counsel to those with debt, credit and money issues. If you feel we can help please come back to: http://financialeducationandoptions.blogspot.com/ or visit our sister blogs: http://moneysavingtips.polkvoice.com/ , http://spectrumresources.wordpress.com/ . Email us at SpectrumResources@tampabay.rr.com or call (863) 967-0660.

If you find Spectrum Resource's information educational, motivational and/or insightful, please help us help others by making a tax exempt donation of $10.00. To show our appreciation, Spectrum Resources, a tax exempt educational organization will send you a book as a FREE GIFT titled "Hey! Where's My Money ?" authored by Janet Shore. A little 128 page book with a big message. A great gift for a college student or young couple just starting out, and others who are starting over. Please send tax exempt donation as a money order to 'SRDC' 2014 Brentwood Dr. Auburndale, FL.33823 OR use the online check processor: www.Checkman.com/pay4it/12985