“Who Would’ve Ever Thought Of That ?”

August 23, 2009

Road to freedom pic                       You are probably like many people who just want to have a good time and enjoy life as much as possible. To get the most out of life for the least amount of money and effort we have to become skilled.  We must sharpen our skills to look for savings, freebies, and tips that will make our journey a pleasurable one.  

 Who would ever thought, despite their ads as being ‘Priceless”  that a credit card company would bring joy to a consumer. Check out the savings offered through all Bank of America ATM, debit and credit cards.   FREE weekend admissions to more than 100 museums and science centers in 26 states and the District of Columbia participate in the “Museums on Us” program on the first full weekend of every month.   Cardholders get free general admission but must pay for special exhibits and ticketed shows.  Look for the list to find the nearest to you at http://museums.bankofamerica.com

 You have probably developed a sharp eye for savings, shortcuts, and planning tips without even realizing it.   You may have learned it is the little things that make a difference, discovered quickly if your passport gets lost or stolen. Using the tip about backing up your passport could be a stress saver.  Our suggestion is to have your local copy shop make a laminated credit card-size black and white version of the photo page of your passport.  That way, if you lose your regular passport you still will have all of your information until you can get a replacement. 

 When traveling, be prepared for the unexpected, and the worse scenario ! Before you leave home write down to carry with you at all times the American consul ant’s phone  number for easy access.

 Another point we wouldn’t ordinarily think of is giving as much thought to coming home as we do leaving. When traveling some countries, especially in the Caribbean and Central America, charge tourist taxes to depart the country – and some accept ONLY cash in LOCAL currency. Check: http://travel.state.gov/travel  

 Being prepared is the key to being a ‘seasoned happy traveler’ and accumulating many new memories.  Being prepared also saves money, sometimes a great deal of money!    Come back often to learn of more ways to live within your income.    

 Spectrum Resource’s mission is to provide counseling in debt, credit and home ownership issues to assist you in becoming financial self-sufficient.  We provide education, resources and options that make a difference in a positive way ! Call 863-967-0660 or email at SpectrumResources@tampabay.rr.com and visit: http://MoneySavingTips.PolkVoice.com  also visit

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http://FinancialEducationAndOptions.blogspot.com for continual learning.


“Can’t See The Forest For The Trees”

July 20, 2009

You may have heard the saying, “Can’t see the forest for the trees”.  More often than not, things we seek are right in front of us.  Perception is all about how we look at things.

Families who are beginning to feel the crunch go to a counselor and ask where they can find savings. Savings are just like the forest – most of the time right in front of us.  Recently, a local well known hardware store flier came in the mail, and what caught my eye as a counselor in debt, credit and home ownership issues was their marketing strategies. They were selling SAVINGS !   

Their message was timely, in today’s economy we must look at the big picture. As you can see in the following samples of their ads the store is answering the customer’s #1 question ‘WIIFM”.   Such as  for a new grill, their ad said, Save up to $750 a year ! Instead of going out for dinner, grill at home.  ( Savings based on family of four dining out one night per week.)”

 Another savings was swimming pool maintenance supplies: Save up to  $700 a year ! Do your own pool maintenance.  ( Savings based on national average cost of professional residential pool service.)”

 “Lawn Care. Save up to $900 a year ! Mow, trim and maintain your own lawn and landscape.  ( Savings based on national average cost of professional lawn service for a 70ft X 100 ft yard.)”

 Another was Pest Control. “ Save up to $300 a year !  Do your own pest control easily and affordably. (Savings based on national average of professional pest service 4 times a year.)”

 The list was long, but just these 4 things can produce $2,650.00 SAVINGS !   That is about $220.00 a month, that amount could save a home from foreclosure, a car from being repossessed. Consumer are starting to think more about value, price and savings than convenience of services performed by someone else. Now most consumers are thinking about what services they can do themselves instead of hiring it done to cut corners. The lesson here is for you to look around your home, and do the math on what you are paying others to do, and what services you can perform yourself. All savings start with priorities.  The forest is within your reach, the savings are there, they have simply been hiding behind your ‘want’ list.


For a personal credit risk assessment planner to help you achieve financial self sufficiency call us Spectrum Resources (863)-967-0660 or email

SpectrumResources@tampabay.rr.com   Please put our links in your favorites and come back often: http://www.MoneySavingTips.PolkVoice.com  and

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