"Special Served Today - A Buffet Of Savings"

Are you hungry for new saving tips ? What I have to serve is a buffet filled with a variety of tasty savings that provide food for thought. Wow ! That was a mouth full in itself. Saving money could include practically every product and/or service known. So I can only serve you appetizers covering a few topics at a time, leaving you hopefully with a taste on your pallet to learn more and return.

There are absolutely amazing ways to save money, and you can save money on everything, you must observe and ask !

If your air conditioning is eating up your energy bill and your budget, ask for a FREE energy audit from your local utilities company. Some even offer FREE energy saving gifts or coupons for greater savings when they come out to the house.

IF you own a business in the states of NY, NJ, DE, MD, CT, NH, ME, IL, DC, RI, MA, MI, and now PA then you will like the 10-35% savings from WHOLESALE INDEX RATES never before offered to small or mid size businesses. IF you are in Texas, then you will really like the 50% savings experienced by residential and commercial electric customers. Check out: http://NewAgePowerBrokers.com/Saves to learn more.

To save on your water bill, ask your utility company for a FREE water restricter for your shower. It saves thousands of gallons of water a year and saves you money.

Don’t throw away the subscription invitations. Most publications will send out a FREE issue of your favorite magazine then send you a bill. When it arrives, write “CANCEL’ on it, make a copy for your file and mail it back.

Watch manufacturers of food products for FREE cookbooks, utensils, etc. Many other manufacturers of products you enjoy or would like to learn more about offer free booklets as well.

Cell phone companies are always running specials. You sign up and the following week or month they run an even better deal and you feel stuck with the ‘old deal’. Contact them and ask the better plan especially if you are a person who consistently runs over your current allotment of minutes.

They say, “If the disease doesn’t kill you the hospital bill will !” . ALWAYS ask for a itemized bill because hospital bills are error-ridden with at least 30% of your bill with incorrect information. IF your insurance will not pay, dispute it, because the items they are refusing could be items that should not have been on the bill to start with.

Please contact your personal credit risk assessment planner SPECTRUM RESOURCES to learn more ways to live inside your income. Call 863-967-0660 or email: SpectrumResources@tampabay.rr.com and visit all our blogs to learn more: http://moneysavingtips.polkvoice.com/ and http://spectrumresources.wordpress.com/ and come back to: http://financialeducationandoptions.blogspot.com/

"Are You Eating Up Your Profits ?"

“Are You Eating Up Your Profits in your home business ? No I am not referring to the regularly perceived ‘home based business’. I am referring to your HOME business. Few people realize your home business is just like a regular store front business. Your home must make a profit to keep it’s doors open. If homes were managed under the same basic business rules as a storefront business, there would be less foreclosures.

Your decisions regarding what, where and how you eat, eats away at your profit. When was the last time you figured the cost of all the drive through fast food meals, or restaurant meals during a 30 day period ? Or the cost of all the ‘carry outs’ simply because you didn’t feel like cooking ? Have you ever stopped and looked at your grocery ticket to see how many expensive frozen and pre-packed food items came into your kitchen instead of you preparing meals from scratch ? Big ticket profit eaters to look for on a grocery receipt are the over-priced non-food items because they were convenient ?

As the family business CEO, you have those things to consider plus many more if you are to keep the family home business secure. It’s all on your shoulders to educate yourself of money saving trends, to be flexible yet solid enough to handle all unexpected cost. You not only must meet current responsibilities like any business but you must also have money left over for future growth such as investments for college, new home, or that super big event coming up.

You have to figure out a budget that will take you through the slow season. Which in your home business might be a seasonal change in income or a seasonal change in expenses. The expense of school is a seasonal change. There is an additional outlay for new clothes, school supplies, fees, etc. Today, there are many employment cutbacks in hours, and benefits, some temporary, some permanent.

You also have to contend with seasonal expenses of taxes, insurance, car maintenance and even house maintenance. Things that rarely get written down on the budget sheet but occur every year such as yearly check up on the A/C, snow removal, and gutter or chimney cleaning. Your home business profitability depends upon how efficiently you plan for all of these seasonal expenses, plus all those that we don’t have on a regular schedule. Who planned on that trip to the emergency room ? Who planned on the terrible storm that hasn’t occurred for the past forty years but came through taking half of the roof off ?

A home business just like any store front business on Main Street, there must be a preventive maintenance plan in place. A family should have an emergency fund. Get with trained experienced counselors at Spectrum Resources to help you structure a personalized plan for your family business. You will be glad you did !
Call (863) 967-0660 or email: SpectrumResources@tampabay.rr.com Tax exempt donations to help us help others with financial literacy are always appreciated and can be mailed to: SRDC 2014 Brentwood Dr. Auburndale, FL. 33823 or use the online processor: www.Checkman.com/pay4it/1295 Remember to visit our other blogs for more lessons in attaining self sufficiency. http://MoneySavingTips.PolkVoice.com and http://SpectrumResources.wordpress.com and come back to http://FinancialEducationAndOptions.blogspot.com