Do you procrastinate on fixing things up until you need to completely replace them? This surely costs more than if you’d just taken care of the situation early on.

We talked about this in the posting titled “Monetizing Our Short-Comings”.

Procrastination, in whatever area of our life, can most certainly lead to more dollars required to change the situation.

Set up a maintenance log for all your major appliances, furnace, hot water heater, sump pump, well pumps, vehicles, lawn mowers, etc. Staying on top of this will stall the need for major repairs or complete replacement of the item.

Start budgeting now for those days when things go wrong…when “Murphy” from Murphy’s Law comes to visit.

I suggest you pick up a copy of Dave Ramsey’s book “Total Money Makeover”. Right now, today, it is only $14.99 online. His website is, http://www.daveramsey.com/. There are loads of tips here. Spend as much time as you need going through everything. Be sure to bookmark this site for easy return at a later date.

Many public libraries also carry his books. Pick one up for free. Just be sure not to procrastinate and return it on time or you’ll have to pay out.