Today we go to bed at night hearing on the news about a crisis and wake up next morning and hear new ones added. This country and its citizenry are under attack in more areas than one. Not the least of which is your health and your money.

When recently asked what I attributed longevity to,  I responded by saying, “Having a list of things I won’t do.” I grew up in the depression era listening to my mother saying  it like a mantra. In those years while many stood in bread lines, we always had plenty to meet our needs.

My mother was a very wise woman, whom I thought could do anything.  She was frugal but generous, and had the reputation she would squeeze a nickel till the buffalo squealed. She knew how to make money, save money, and use money.

We need money to survive. To provide food, clothing, and shelter. Money is simply a medium of exchange. I studied the Austrian school of economics back in the sixties when Murray Rothbard’s book,  “What Government Has Done to Our Money,”  became one of my guides.

Money is no big mystique and not rocket science. Your  responsibility and concern is income, out-go, and bottom line. Many are struggling to “get by” on  income they have. I live on a limited income and live quite well on it. I look at  numbers in five, tens, and hundreds.

Lately I’ve become aware of so many areas of hidden cost. For example I was paying a monthly bill by calling in payment on my debit card when I discovered a charge of five dollars for that convenience. Immediately realized It was costing me 65.00 a year for that convenience and stopped it and paid by check.

A year ago I cancelled the 12.00 a month charge for monthly bank statements, saving me $124 a year, but the hassle and inconvenience for that was too costly so yesterday re-instated it.  No matter your amount of income it takes some basic common sense thinking to get the most out of it. I’m no tight-wad, but rather generous, but careful how and where I spend money. I have always loved buying and selling, and realize if I’m careful with monthly expenses, I can go out and be a bit extravagant periodically.

Years ago when I was executive director of a Motel Managers School and taught salesmen how to sell. I required them to go out in the field with a $100.00 bill in their pocket. To this day I always have a 100.00 bill in my billfold. There’s something quite reassuring having that in the event of an emergency.’
Recently a man knocked on my door quite distressed saying his mom was in a hospital in another town and had no gas to go see her. I gave him $20.00 for gas. He may have just wanted drug money, I don’t know, but what I do know he had no plans for an emergency.

One of my biggest expense is writing articles for my website, My aim is to encourage others to consider Freedom, and  knowing  Freedom is not Free, that’s a deposit I can make into the glorious commodity of Freedom. Always in the hopes of encouraging another to consider the value of the gift of Freedom, and never has the results of so much of the loss of it been more apparent than today.

We are under attack in many areas, not the least of which is Health-wise and economically, and there’s much we can do and must do to cope with the latest onslaught which will entail extra cost to cope. I just went to Dollar store and stocked up on extra items like disinfectant spray. We don’t know if the out-break of Ebola will reach us, however we need to prepare for that eventuality. Instead of panic, prepare for it.

There’s plenty of information available to inform and warn us of eventuality of extra cost, which means examining one’s money availability for any future unexpected expense. So that the out-go of your income doesn’t become your downfall in the event of an emergency.

Too many have become dependent upon political government to SOS, when it is obvious, government is not your savior when in distress, and seemingly more akin to the cause than the solution. Therefore, consider today to take inventory of conditions we face. Self-preservation is the first Law. Which begins with an objective look at what it is you can afford, financially. By asking yourself if you can afford not to make the necessary changes to deal with changing events of distress  and threats we face this morning.

After I talked with my 8 year old grand-daughter about how she spent her allowance, she called last night and said, “I stand corrected”, which was quite funny to me. I thought so apropo, perhaps that’s a thought we all need to consider. Counting our blessings, counting our money, and standing corrected seems  quite apropo to be reminded of this morning.

Let Freedom Ring


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