Make it a new start Monday April 7, 2014..

Make it a New start Monday April 7, 2014..
  Make it  new start Monday! What do I mean, Let this be the new beginning for financial freedom and security, in this day and age of high tech gadgets and fast information.. The one thing that is unnoticed or not taught is financial sense. its not taught in schools or even with us parents. The thinking is , they will learn and figure it out when they make money.. Wrong... The problem with that school of thought is. When we go out to make a living, we are concerned about buying that house or fancy car and all the furnishings that go with it.. We protect everything , but our financial future, we shop until we drop, we charge credit cards to the max.. and we forget someday.. we will be on a fixed income, retirement age.. But during the working years , we think that earning power will last forever..then.. medical emergence's hits , or heaven forbid, layoffs, work stoppages, etc.. Now, things change.. we are searching for answers.. Well here a few tips on a Monday morning..

1) Pay yourself- in other words put money away in your IRA's or 401k's.. or cash value life insurance
2) CREDIT CARDS- pay them off and shred them.. You pay more than the value of item.. Its not worth the added charges., if you can save a few days and then buy it.. in the long run,, its alot cheaper..
3) Look and ask for discounts at stores, if you don't ask you don't know, military, student or even senior citizens.. if that applies. Saving money all the time is a great deal..
4) wait for sales or discount coupons and of course use them.. and once again ask for discounts when you go shopping. whats the worse they can say., no.. 
5) Consolidate shopping trips to one day.. gas is expensive,, the more you can do one day is better for your time management and the gas bill.. remember gas is hovering $ 4.00 - $ 5.00 a gallon.. Unless you have a hybrid , gas miser , its really expensive to drive around.. 
6) Insure yourself life and health, I know I don't have the money, but think about this, if you get hurt , or disabled or unable to work.. Where are you going to get money ? savings, emergency funds, ?/IRA accounts.. if you draw from them before 59- 1/2 you pay a hefty penalty.. and besides thats you retirement nest egg.. Why Insurance,, its called protection , its called peace of mind.. if for example you get hurt or disabled, the health insurance will pay out your expenses, forget about the premiums you pay out.. if you get hurt , it pays out in the end.. Just a thought.. My take, protection for my life and health is not only good sense , but it protects my family from deciding to find assets to pay for hospital costs or lost income. Life is so fragile at times we are all a fall or injury away from no income , so why not buy life and health insurance, its your best bet against un forseen expenses and placing a burden on your loved ones.. My goal in life is to raise kids that are productive citizens and making money for their future and kids,, Not worry about mom and dad and their failure to protect themselves.. I don't want to be any ones burden.. So with that.. I hope my tips will get you on the right track.
1) pay yourself first 
2) pay off credit cards or if you do have to use them pay off balance before interest charges accrue.
30 look and ask for discounts, student , military or senior citizen.
4) Wait and ask about sales or discounts.. 
5) Combine shopping trips, it saves time , money and misery.. gas is expensive!!
6) Insure yourself with life and health coverage, peace of mind and protection for yourself and family should be job number one!!
Lastly , always save when you can and look for the best rate of return for your money , whether its savings accounts or insurance converges, we all work hard for our money, make sure you are getting the best rate of return and that your money is working as hard as you!! 
I hope these tips at least get you thinking about financial security and wealth building, its something we all need to think about and practise every day , because the golden years are golden if you start now and plan for it.. Until my next financial tips.. Enjoy and save when you can!!
THE SOURCE PRODUCTIONS @ 2014..