Ooops … Is This Month Your Money Diet Month?

It's that time again...money, money, money goes out the door—so easy and so fast. Everyone and Every Store wants your money. In exchange, you are supposed to get that "special gift" for that "special someone" with a flash of a card.

Instead of waiting until January of a new year, maybe you should consider a Money Diet and pick a month to begin. Isn't it supposed to be about spending time with those you care for, good will, peace and all those wonderful things? Spending time could be gas in the car to get you there; good will is reaching out; and peace—resolve, don't create conflict.

I know, I know, tis always easier to say than do. But, heck, why not? I have a thing about giving—oh I give lots, but it's to whom I give. One of my favorites is the Salvation Army—so little of the moneys it brings in goes to administrative overhead—over 90% goes to the cause supported. The game I play every time I see one of the Bell Ringers is simply this: the biggest "bill" I have in my wallet goes into the bucket. Sometimes, it's big—like $50, other times, a $1. 

But to me, it has become a game. I’m never sure when I will run into a “bell ringer” when I’m out. Sometimes, I don’t have cash on me. If it’s cold and I notice that the bell ringer is gloveless, my gloves or a scarf go to her or him for warmth. And I ask, “Can I bring you a hot cup of coffee, tea, or cocoa when I come out of the store?”

I’ve never been turned down.

Your Money Tip:
Call the 800# on the back of your credit card(s) and tell the customer service rep that you are getting offers in the mail to open an account with another financial company at a lower rate. Ask for your rate to be lowered. If you've been paying on time, 80% will drop it a few percentage points.

Patricia Lane Williams CPA is the author of Your Money: How to Get Hold of Your Money Before Debt Gets Hold of You. As a trusted resource for the accounting profession for over 30 years providing content for their continuing education. Her website is PatWilliamsAuthor.com and she can be reached at PatWilliams.Author@gmail.com.