Don't Be Afraid To Ask

Quote of the day: Just because it’s the way you know, does not mean it’s the best way.

Analyze the offer
Seek counsel
Keep your guard up

How many times have you gotten into something before you realized what it really was- a purchase, a contract, a relationship- only to wish you had made a better informed decision? The problem is that too many times we are afraid to ask too many questions. We don't want to offend anyone or hurt anyone's feelings so we go with the flow.
"But the salesman was so nice and his wife just lost her job and their kids are trying to go to Bible Camp." That doesn't mean you need to sign your life away to secure his financial future. Salesmen can be very pursuasive. That's what they do.

A lot of pain and heartache (and stupid debt!) can be avoided if you simply take the time to ask a few questions. We have all heard, "If it sounds too good to be true..." so many times that the saying has become cliche. Still true. It never hurts to consider an offer you receive or hear about, but ask before you sign.

First, Analyze
Is this a legititmate offer?
Is this something I really need?
Can I afford this right now?

Then, Seek the advice and counsel of family and friends.
Have you heard about this deal?
I'm thinking about getting involved with this company. What do you know about them?
Don't you have one of these? How do you like it?

Always, Keep your guard up.
The easiest time to get suckered is when you want something the most or when you're the brokest (really, that's a word).

You'll never know if you don't ask.
I'll be glad to answer any questions you might have and I'd love to hear your saving secrets! Write me anytime @ lazypmusic@hotmail.com

When opening a new bank account do you just take the banker at his word or do you ask to see everything in writing. Again, you may feel like you are being distrustful. Good. Even if this is a family member or a close friend you have no reason to sign the bottom line without reading. Every bank offers "free checking." Sometimes that free checking account comes with a nominal monthly fee.
"But when I opened this account the woman said it was a free account."
"Yes, but you signed this paper right here satating that you agree to pay the monthly fee. The first ten checks are free, sir."

Remember, the banks are our friends. They are here to serve our banking needs. 99% of the extra fees can be avoided by reading the paperwork and knowing the rules.

Disclaimer: Stupidebt does not endorse any of the products advertised on this site. Ironically, most of the current ads are offering help filing your taxes online. Visit their sites. See what each is offering and then go to www.irs.gov and file for free!