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     <p align ="center"><font size="4">The true cost of everything</font></p>
<p>Henry David Thoreau once said that “the cost of a thing is the
amount of what I call “life” which is required to be exchanged
for it immediately or in the long run.”</p>

<p align "left">Most of us are putting off things this month that will wind up
costing you more in the long run, in time, energy, missed
opportunities.</p> 

<p align "left">Maybe you’re putting off paying anything on your debts because
you’re afraid to tell creditors how much you can afford to pay
them each month, because you’re afraid they won’t accept your
small payment, afraid they will try and garnish your wages, or a
hundred other reasons. Your true cost in the long run may be
that you wind up with a stress-related health condition from
dodging creditor phone calls, or you wind up ruining your credit
for years.</p>

<p align "left">Maybe you’re putting off telling someone you love how you truly
feel about them because you’re afraid they don’t feel the same
about you, won’t want to take a chance on love again, or a
hundred other reasons. The true cost may be that you wind up
spending the rest of your life without the person you truly
love, pining away for “what might have been” or “what wasn’t
said.” It’s like the country song “It’s a Little Too Late.”</p>

<p align "left">Or maybe what you’re putting off doesn’t seem so life-altering.
Maybe you’re putting off having your car serviced, fixing a
small leak in the gutters, ironing the clothes you’ll need for
work next week, cleaning out the fridge, sorting through your
tax papers, making a phone call, and so on.</p>

<p align "left">Make a quick list of 4 things you’re putting off doing, because
you currently feel you lack enough time, energy, money or
knowledge to take care of them. Then write down the true cost of
what they may mean. Does the cost of having your car towed at an
inconvenient time, coordinating rides with others and paying for
unexpected repairs outweigh the cost of having your oil changed
this month?</p>

<p align "left">Does the cost of having your roof repaired, having termites
removed, having wet rot cut out of the wood and having your
drywall replaced, repaired and repainted outweigh the cost of
getting up on the ladder with a caulk gun and sealing the
leaking gutter?</p> 

<p align "left">Does the cost of missing out on a promotion or losing a client
because you’re late, harried, or ill-tempered because you had to
take extra time on a busy morning to iron a clean shirt outweigh
the energy it takes to iron clothes for an hour?</p>

<p align "left">This month, when you get the urge to procrastinate, do what
recovering alcoholics do when they get the urge to drink. They
walk themselves through what would happen if they take that
first drink, starting with picking up the glass and ending with
falling down in the gutter and losing everything important to
them in the process. Walk yourself through the true cost of
putting off what needs to be done versus the cost of taking the
time, energy and money to do it now. Then make a conscious
choice as to whether or not you want to pay that price.</p>

<p align "left">This month, cut your costs by taking action on 4 items that
would cost you more if you put them off until later.</p> 

<p align "left"><font size="1">Paula Langguth Ryan is the author of “Bounce Back From
Bankruptcy” and “Giving Thanks: The Art of Tithing.” Ryan helps
people dissolve fear and create what they truly desire in their
lives. Ryan’s clients include Olympic athletes,
nationally-renowned authors and top-notch salespeople. Visit
http://www.artofabundance.com for a free monthly Art of
Abundance e-zine or send an email to
mailto:paularyan-70559@autocontactor.com for a free e-book of
Giving Thanks.</font></p>	</td>
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<p><font size="4">Consumer Credit</font></p>
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