“Trimming The Fat With Money Saving Grocery Tips” Lessons In Debt, Credit And Home Ownership

With food prices still soaring, supermarkets are offering many deals and specials to lure in food shoppers. But sometimes, these good deals can actually cause people to spend more than they would have otherwise. NOW is the time to use coupons, compare grocery store ad papers BEFORE going out, and ALWAYS make a list and stick to the list! To save money savory the following tasty treats !
• Limit Four Per Person: Scarcity can have a powerful impact on shoppers. A buying restriction can tempt people to buy more than they need, which could cause items to either spoil or sit in your pantry for a long time. Tip: In the long run, when you factor in the amount of products that spoil or are eventually thrown away, you will usually be better off financially if you only buy the amount you reasonably need and can use.
• End of Aisle or Freestanding Displays: Often the "specials" displayed on the end caps of each aisle or on an island display aren't really the best deals that the store currently offers. These displays may also lead to impulse buys that you weren't intending to make. For instance, a display with graham crackers, chocolate, and marshmallows could make you think, "I'll make s'mores for dessert." Tip: While the location of these items is convenient, especially during busy shopping hours, you should only buy these items if they really are good deals.
• Buy One, Get One Free: While these deals can make you feel like you are getting something for half price, if the cost is more than that of a similar item...or if you don't need a large quantity...than this may be one special worth passing on. Tip: Ask the manager if you can buy one item for half the price instead of buy one get one free. While stores don't always advertise this alternative, they often allow it.
• Pre-Sliced Produce: While pre-sliced produce can feel like an easy choice, it can cost twice as much as whole produce, and can spoil faster than whole produce. Tip: Pay extra for prepared meals and produce only if the time and effort they save you is significant and really worth it.
• Don’t Eat What You Like – Eat What Is In Season and On Sale: Be different, and try new foods which are in season or on sale. Ask your grocery manager for his calendar of dates he normally runs his specials, and ask to meat the butcher to ask his advice for seasonal savings. For more great grocery shopping tips, visit www.supermarketguru.com. Stretch your imagination and your pantry by buying new foods, experience new taste, and new saving techniques.

Call Spectrum Resources (863) 967-0660 for counseling in debt, credit and home ownership issues or Email: SpectrumResources@tampabay.rr.com Visit our other blogs: http://SpectrumResources.wordpress.com and http://WomanToWomanMagazine.ning.com and http://MoneySavingTips.wordpress.com and http://FinancialEducationAndOPtions.blogspot.com

“OPTIONS = Key To Making Changes !” Lessons In Credit, Debt, And Home Ownership

You know the word ‘OPTIONS’ is just another word for change, and you also know the more options you have the easier it is to make good qualified decisions which create better outcomes in the changes that occur. But as a credit risk assessment planner, I see people appear to concentrate more on their problem than searching for options that bring positive solutions. Following are some options you may want to consider.

The name Spectrum Resources by design is to deliver to people seeking financial self- sufficiency a ‘SPRECTRUM’ (variety) of ‘RESOURCES’ (services-people-options that help). The needs are growing, and there are some wonderful resources that have come to answer the needs. However, there are also some really bad people who see the opportunity to take advantage of people in their time of need. Just as we advice our clients to set down and make a list, we too, set down and seriously consider the people, their services and their objectives before we refer any of our clients to them as possible options.

It’s a given, there are no free rides, and the world evolves on profitability. However, as in all decisions pertaining to money, as responsible consumers there must always be consideration given to the value for the money spent, and what the ROI = return on investment is to us personally. Spectrum Resources has two resources proven to offer exceptional value. One that has proven itself over the years with excellent customer service, with average results of credit scores raised 50 to 100 points is Credit Justice Services. Probably why it’s listed in the nation’s top 4 credit repair businesses. They also offer a credit card modification plan and debt negotiation. And CJS is a big consumer rights advocate !

The other resource due to the mounting foreclosures, offers the three main elements to surviving a foreclosure. Named One Caboodle, they offer a HomePack package that includes education, the necessary forensic audit by attorneys, a selection of foreclosure defense attorneys and a money management software to maximize throughout the process, the monies you do have while not making full house payments.

Spectrum Resources feels strongly that ‘OPTIONS’ is the key to making changes. We continually research resources to offer our clients more options. There is a criteria we look to, but only time can build trust. After 7 years, we know the emotional strain on individuals and families facing credit, debt and home ownership issues, the reason why we select our resources with care, because foremost our goal is to serve our client’s needs.

Spectrum Resources (863) 967-0660 Email: SpectrumResources@tampabay.rr.com
Please visit all our blogs:
http://MoneySavingTIps.PolkVoice.com with over 15,000 readers
http://SpectrumResources.wordpress.com and
http://FinancialEducationAndOptions.blogspot.com and our newest
http://WomanToWomanMagazine.ning.com
Your tax exempt donation to our continuing education fund is always appreciated.
Please mail to: SRDC 2014 Brentwood Dr. Auburndale, FL. 33823

“That Nagging Question Returns” Lessons In Debt, Credit And Home Ownership

You may have noticed how many commercials online advertising free credit reports, and how to get out of debt. They all make it sound real easy, and I assure you it is, if you have someone else make all the decisions for you while they are managing your money. But you have come to the conclusion that isn’t going to happen, so that nagging question returns….Why can’t I repair my own credit ? Please read on for the answer to that question and more.

Yes ! The answer is yes you can repair your own credit ! You can also go into any court room in America and defend yourself. And if brave enough you can pull your own teeth. So do not let anyone tell you that you cannot repair your own credit. Credit is an entire industry by itself. It is constantly changing rules, procedures and ownership of banks that are extending the credit. It takes a professional to attempt to stay current on the trends, and even the laws. But still, you can repair your own credit if you so desire.

There are many books available, and online HOW TO’s that can provide information. Or you can contact someone who provides this services and has seen results of the different methods promoted to the general public. One of our many trusted sources is found at http://CreditJusticeServices.com/?ccc=1242 for options. As a company that is fourth in the nation, Credit Justice Services is a strong consumer advocate working diligently to bring a sense of responsibility to the three credit bureaus.

They offer a 75 Day Credit Makeover program that charges only $50.00 per disputed trade line, with no monthly fees, no per letter fees, no per bureau fees. You will have the assistance of a paralegal and certified credit counselor in designing your dispute letters based upon the computerized successes in the past. You will receive a FREE analysis letting you know what they see as information posted by your creditors and the bureaus that is bringing down your score. And they tell you what the percentage of anticipated success in removing the disputed items will be, before you enter into the program !

You will be mailing into the bureaus three different letters over the period of 75 days to dispute a creditor who has placed inaccurate information in your report. IF the bureaus still do not remove the disputed item after the 75 day process, then you will be assisted with a complaint letter mailed directly to the Federal Trade Commission. Like Spectrum Resources, Credit Justice Services wants you to be successful and have the highest score you can possibly have, don’t let that nagging question bother you, call today.

Call Spectrum Resources (863)-967-0660
Email Us with your questions & comments: SpectrumResources@tampabay.rr.com

Visit often our blogs to learn more of the options you have in debt, credit and home ownership.
http://SpectrumResources.wordpress.com http://MoneySavingTips.PolkVoice.com
http://FinancialEducationAndOptions.blogspot.com and our latest or newest blog is:
http://WomanToWomanMagazine.ning.com

“The Option Of Being A Student Or A Teacher” Lessons In Debt, Credit And Home Ownership

Education starts at the point you are willing to learn. Not all of us are at the same point at the same time, but it has become very evident in our present economy there is additional education needed to become better money managers. Without saying, most people prefer to have options, and now you have a choice of which you want to be, either a teacher of credit repair or a student !

There is education available to you for both. Education to learn how to raise your credit score, how to communicate with the three leading credit bureaus in the most affective manner. You can learn how to utilize your consumer rights more efficiently through the Fair Credit Reporting Act, and the Fair Debt Collection Practice Act.. Empowering yourself with knowledge will realign your thinking and habits to make better decisions. You have come to this article in search of solutions, and in the following paragraphs, hopefully you will discover a solution that is at the right point and right time for you.

Seemingly the credit score is a pivoting axle in which all things revolve around. Yet, what the world looks at as a foundation in credit decisions is riddled with defaults and errors ! Statistics show that approximately 79% of all credit reports have serious enough errors that credit can be denied, that is 8 out of 10 credit reports ! How exciting, now you can learn how to spot and prevent these costly errors.

What elements make up the credit score ? What actions bring negative reactions to the credit score ? And how to dispute the inaccurate information placed in your credit history effectively to raise your score ? The answers to these questions and more come from education of that particular segment of money management. You can learn for your personal use or to help others.

Visit: http://CreditJusticeServices.com/?ccc=1242 how an opportunity to learn and to earn is being offered to you in an industry that is on everyone’s mind. You can become trained as a certified credit counselor to answer these questions and help people. The higher the credit score the more money is saved because it accurately reflects their character and habits. Creditors look for trust worthiness, and a sense of responsibility. Your score reflects these traits.

Credit Justice Services ranks number four in the nation and takes the governing laws very serious. Their objective is to offer a program that is simple, effective, and totally transparent. On average the program raises a client’s score 50-100 points in 75 days working with a paralegal. This program is guaranteed to raise your score if you follow the guidelines structured for success.

Contact Spectrum Resources (863) 967-0660 or SpectrumResources@tampabay.rr.com
For over seven years, Spectrum Resources has provided personal counseling in debt, credit and home ownership issues with the mission to help people learn how to live inside their income. Spectrum Resources welcomes your tips, ideas, and opinions.

Please visit all of our blogs, each one with a different lesson:
http://SpectrumResources.wordpress.com and
http://MoneySavingTips.PolkVoice.com and
http://FinancialEducationAndOPtions.blogspot.com and our newest blog:
http://WomanToWomanMagazine.ning.com

"OCTOBER 17 = IDENTITY THEFT AWARENESS DAY ! " Lessons In Debt, Credit, And Home Ownership

Saturday, October 17 is IDENTITY THEFT AWARENESS DAY ! Identity Theft is the # 1 fraud complaint in American, reporting over 27.3 + million victims. It's also the fastest growing crime in America creating this tremendous need for awareness. As a designated ‘holiday’ celebrate by shreding all of your old financial and personal documents. This is not a “Hallmark” occasion, it’s declared a special day because consumers have become so complacent with their personal information. Here are some options that may be new to you.

Medical identity theft is growing in popularity. It’s not only very expensive to receive bills that someone else has run up, it is extremely dangerous. When other people use your medical history, the medical files are changed to match the thief’s medical history. The danger of course occurs when you experience an unexpected emergency, and become a patient. Your medical records which should show your blood type, allegories, physical aspects of your medical history, if stolen, will not match you.

You make a medical identity theft happy when you discard into the trash old medicine bottles without taking off the prescription labels. The paper sacks that pharmacies prints all your information on and puts your meds inside is usually thrown out in the trash too. Get into the habit of requesting a free report every four months from a different credit reporting bureau: Equifax, Trans Union and Experian. You can receive your free credit reports from http://www.annualcreditreport.com/ and monitor your history from this site also.

Spectrum Resources provides the services of Identity Theft Risk Management & Resolution Case Planning. The objective of a case planner is to reduce your risk of becoming a victim. First providing you with education of the many ways that thieves use to obtain your information. You also would receive expert prevention information and guidance clearly explained how to spot a scam, actions to protect yourself and how to minimize your risk on a daily basis. There are powerful, yet easy to use preventative tools that will prepare you to take immediate and decisive action at the first hint of trouble.

The average identity theft case takes 175 hours and many hundreds of dollars to resolve, serious cases can take longer. A case planner can save you significant time, money and frustration, and resolve your case and restore your good name quickly.

Spectrum Resources has the mission to help you learn how to live inside your income, even when you have other people attempting to steal from that income. In addition to being a Identity Theft Risk Management & Resolution Case Planner, Spectrum Resources also offers counseling in debt, credit and home ownership.

Call (863)967-0660 and email to: SpectrumResources@tampabay.rr.com

Visit all of our blogs, each one different: http://financialeducationandoptions.blogspot.com/ also visit
http://moneysavingtips.polkvoice.com/ & http://spectrumresources.wordpress.com/ and out newest blog: http://womantowomanmagazine.ning.com/

"Adding Your Two Cents" Lessons In Debt, Credit And Home Ownership

You have probably heard this old saying before, if not, ‘adding your two cents’ is simply giving your opinion, your views, your ideas, or sharing your experience. And that is what Spectrum Resources is looking for from you – for your to add your two cents to our blogs ! We will post on all four blogs the best submitted money saving tip, PLUS the winner will receive two hours of free counseling in issues of debt, credit or home ownership – PLUS a hand autographed book titled “Hey! Where’s My Money” authored by Janet Shore

The media gurus paint a beautiful rosy picture showing the world is healing, and it may on the top side. But on Main Street, the picture appears differently. It is a time of self evaluation, to re-think our sense of direction and perhaps re-prioritize our objectives.

E ach of us as individuals have something of value to contribute to our fellow man. Economically we have come to realize just how closely we are connected to each other. Everyone’s job depends upon someone else having a job, drawing a paycheck, and who can pass the money on to others. The economy depends upon that connection for money to keep moving.

Spectrum Resource’s mission is to provide education and resources on how to live INSIDE your income. To help us help others, we need your two cents. You are the one who lives on Main Street USA, the gurus on Wall Street live not only on a different street, I believe at times they must live on a different planet.

Survival entails understanding that only by sharing can we ALL grow. You are facing financial challenges everyday, and you have developed some tricks of the survival trade to maintain your head above water, we ask that you share with our readers your best money saving experience. It’s easy, on each of our four blogs shown below there is a ‘comment box’ to use. Don’t duplicate your money saving idea, each idea must be different. Please submit what has worked best for you to cut cost, overhead expenses, or to survive easier on less money and less stress. Please use it to help us help others.

The best judged money saving tip will be posted in all four blogs and you will have as an addition prize two hours of free consultation. Along with a personally autographed book titled “Hey ! Where’s My Money ?”by Janet Shore.

Call Spectrum Resources (863)967-0660 or email: SpectrumResources@tampabay.rr.com
Visit our blogs, each one with different lessons with debt, credit and home ownership tips:
http://financialeducationandoptions.blogspot.com/ and
http://spectrumresources.wordpress.com/ and
http://moneysavingtips.polkvoice.com/ and our newest
http://womantowomanmagazine.ning.com/
Your tax exempt donation is always appreciated to help with our educational fund, mail to:
S.R.D.C. 2014 Brentwood Dr. Auburndale, FL 33823

"Maximizing Your Greatest Asset" Lessons In Debt, Credit And Home Ownership

You may be wise to follow the bankers lead in assessing your strengths and weaknesses when faced with adversity. Now is the time to cut losses or dead weight and focus on what works best ! At this point, you are probably muttering to yourself about your income being cut and the fact that it feels as if everything on your back is dead weight.

Take a deep breath, it’s really not all that bad. Sit down at the table and make a list of not only all your physical assets such as your house, your car, boat, motorcycle, time share / condo, retreat cottage in the mountains, etc. . Also write down your personal attributes, your assets as a individual, yes, now is the time to look at what you excel in. Evaluate yourself from an employer's perspective. You are not your job, you are a human who has special abilities that brings life to a job. You know your strengths, so write down your talents, and your skills, also a list of things that make you happy such as a hobby or special interest. Now is the time to maximize YOU ! What makes you unique ?

You may not see the qualities that others see, ask a friend who is always honest with you to help. Big corporations use committees, boards, and other resources to evaluate their possibilities. Then they put together a marketing strategy to maximize on the most profitable option. You can do the same. First research online to see what professions, or categories would fit your talents, skills and special interest or you can tap a vast resource as well. The local state employment office will provide a free assessment of your interest, abilities, and match the professions best to utilize your skills, abilities and interest. You will probably have to ask for an evaluation test to be done. But can even tell you the salary range, and the likely employers in your chosen area to call upon.

Take a hint from the big corporations, remove the stress by downsizing the non-essentials in your life, cut out the frills exploring new ways to entertain yourself on less money. The objective just like in business, is to get yourself to the point where you can concentrate on your greatest asset = you ! Now may be the time to go back to school and expand on your natural talents and interest, or to expand on your years of experience in a field you still enjoy. By concentrating on the solution, you will see the opportunities that have opened up to you. Remember when one door closes, another opens. Look for the openings that can bring positive changes in your life.

Spectrum Resources counsels in debt, credit and home ownership. A support system that can help you see that there are always options. Call today: (863) 967-0660 or email SpectrumResources@tampabay.rr.com and please visit all our blogs, each one has different lessons to share with others: http://fiancialeducationandoptions.blogspot.com/ http://moneysavingtips.polkvoice.com/ & http://spectrumresources.wordpress.com/ also http://womantowomanmagazine.ning.com/ our newest. Visit our resource for credit repair or credit card modification program: http://CreditJusticeServices.com/?ccc=1242