DEBTSMART® EMAIL NEWSLETTER
ISSN 1538-6740
September 25, 2002 Issue 35

Tools for financial success!
A Free E-Mail Newsletter from DebtSmart® Online and Press One Publishing.

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Publisher: Scott Bilker, mailto:publisher@debtsmart.com
Editor: Richard Crammer, mailto:editor@debtsmart.com 

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For instructions to SUBSCRIBE, and DISCLAIMER, see bottom of this email.

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IN THIS ISSUE

==> Cool Quotes

==> Letter from the Publisher

==> Don't Sell the Cattle!

==> Household Math™: Cell Phone Plans

==> Survey: "Life is too short..."

==> Women Need to Focus on Saving More than Men

==> Credit Repair

==> Trimming the Fat From Your Budget

==> Eight Steps to Tackle the Money-Saving Process

==> Protecting Yourself Against Identity Fraud

==> DebtSmart® Resources

==> Subscribe/Disclaimer Information

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COOL QUOTES

"When you change what you believe, you change what you do." 
--Dr. Spencer Johnson, page 65, "Who Moved My Cheese?"

"When you move beyond your fear, you feel free." 
--Dr. Spencer Johnson, page 56, "Who Moved My Cheese?"

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LETTER FROM THE PUBLISHER 
by Scott Bilker

Hi,

Thank you for adding to last issue's survey about questions you should ask yourself before making a purchase. You can see the original article, survey, and your comments by going to:
http://www.debtsmart.com/cgi-pl/go/020925_en.cgi?04&7428 

If you're interested you can hear my latest interview from 9/13/02 on "The Mike Show" by clicking below:
http://www.debtsmart.com/cgi-pl/go/020925_en.cgi?05&7428 

Regards, 
Scott

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DON'T SELL THE CATTLE! 
by Scott Bilker

Scott, I am a 53-year-old female with a husband that abuses credit cards. I have sold 2 houses and taken out an equity loan to pay off credit cards. Tell me how to talk to a man and tell him how stupid he is. I have the only retirement account. He has some cattle. I just heard you on the radio today about using credit cards to pay off the debt. Maybe I could convince him of that. Please explain. Thank you very much. 
--Cecile

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020925_en.cgi?06&7428 

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HOUSEHOLD MATH™: CELL PHONE PLANS

Brandon is getting his first cell phone and is trying to decide which plan to take. After reviewing all the details the cost comes down to two options: (Plan 1) $59.99 per month for up to 500 minutes and (Plan 2) $89.99 per month for up to 1000 minutes. Both plans cost an additional $0.35 per minute if he goes over the monthly limit. Brandon wants to know the minimum number of minutes he must use, to make it worthwhile to select plan 2 over plan 1?

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020925_en.cgi?07&7428 

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SURVEY: "LIFE IS TOO SHORT TO..." 
by Scott Bilker

We have all been working on saving money, planning for the future, and becoming debt free. All these goals should be our focus however, I believe, as I'm sure you do, it's just as important to be grateful for what we do have and realize that:

"Life is too short to..."

#1) "...not live the way you want." I don't mean that you have to buy everything you want. I mean that you must be happy with your day to day life. Make the changes needed to live your life more fully.

#2) "...worry about money every single day!" It's important to watch your spending but destructive to let the worry wear you down.

#3) "...argue with the people you love." Arguing with your loved ones creates tension for everyone involved.

Please help me add to this list by clicking below:
http://www.debtsmart.com/cgi-pl/go/020925_en.cgi?08&7428 

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WOMEN NEED TO FOCUS ON SAVING MORE THAN MEN 
by Womens-Finance.com

Studies show that men do most of the savings, yet women need to save more than men for a number of reasons.

- The average woman spends 15% of her career out of the...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020925_en.cgi?09&7428 

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CREDIT REPAIR 
by Scott Bilker

What do you think of when you hear the words "credit repair"? I think of scam! That's because many companies have made promises to "fix" people's credit and simply stole their money however, there are still reputable sources for people to learn how to straighten out their credit reports.

Your credit report is your financial résumé and everyone from lenders to insurance agents review it. It's vital that there are no mistakes shown and if there are, that they're removed!

There are many books on the subject but my personal favorite is "The Credit Repair Kit." That's because Joe Sainz offers great practical advise for correcting errors, plus he includes a "Credit Booster" CD-ROM with the book!

If you're having trouble getting the rates you deserve because of your credit report then you should definitely read this book!

Click below read more about the book and CD:
http://www.debtsmart.com/cgi-pl/go/020925_en.cgi?10&7428 

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TRIMMING THE FAT FROM YOUR BUDGET 
by Nancy Twigg

When my husband, Michael and I decided it was time for me to quit my full-time job, the first thing we did was pull out our family budget and go over it with a fine tooth comb. If I was going to quit, we knew we had to cut our expenses to the bare minimum until his then-new business was up and running.

People trim fat from their budgets for various reasons. Sometimes after the...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020925_en.cgi?11&7428 

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EIGHT STEPS TO TACKLE THE MONEY-SAVING PROCESS 
By Gregory Thomas

Part 4: Eliminate Unnecessary Spending

You'll find that one of the easiest ways to come up with additional money is to first put an end to all the needless spending. I'm sure you are all familiar with this concept. Every single one of us has been guilty of wasteful spending at one time or another in our lives. For example...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020925_en.cgi?12&7428 

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PROTECTING YOURSELF AGAINST IDENTITY FRAUD 
by the FBI

Identity Fraud is one of the fastest growing White Collar Crimes in the nation. The perpetrators consider this a "faceless" crime, since their targets are financial institutions or retail stores. Little if any thought is ever given to the harm their actions bring to the individuals whose identities they have stolen. Identity Fraud is the criminal...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020925_en.cgi?13&7428 

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DEBTSMART® RESOURCES

DebtSmart® Books, software, reports, in-print and downloads:
http://www.debtsmart.com/cgi-pl/go/020925_en.cgi?01&7428 

Archive of DebtSmart® Email Newsletters online:
http://www.debtsmart.com/cgi-pl/go/020925_en.cgi?02&7428 

How to use DebtSmart® articles FREE in your e-zine or on your web site:
http://www.debtsmart.com/cgi-pl/go/020925_en.cgi?03&7428 

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HOW TO SUBSCRIBE TO THIS NEWSLETTER

All recipients of DEBTSMART® EMAIL NEWSLETTER have signed up voluntarily for the newsletter via our website.

TO SUBSCRIBE to this newsletter click on the below link and complete the subscription form:
http://www.debtsmart.com/cgi-pl/go/020925_en.cgi?00&7428 

Please contact mailto:comments@debtsmart.com with any comments, problems, or concerns.

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The author(s), Press One Publishing, and DebtSmart.com shall have neither liability nor responsibility to any person or entity with respect to any loss or damage caused, or alleged to be caused, directly or indirectly by the information contained in this email newsletter and/or at the DebtSmart.com web site. The information, methods and techniques described may not work for you and no recommendation is made to follow the same course of action. Every effort has been made verify the accuracy of all content contained herein. However, there may be mistakes; typographical, mathematical or in content. This email newsletter and the DebtSmart.com web site have been created for your entertainment only. You must always seek the proper professional advice before taking any financial or legal action. You have been warned.

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Copyright © 2002 Press One Publishing. All rights reserved. Please do not reprint, or host on your Web site, without explicit permission. However, if you found this newsletter helpful, we grant you permission, and strongly encourage you, to e-mail it to a business associate or a friend. Thank you.