A Final Warning: Stay Out of Sellers' Markets!!!

Try never to get in the predicament of being forced to buy something when the price is at its highest. For instance, if you want a convertible car -- great. Just remember, everybody wants convertibles in the spring. Consider shopping for your ragtop in the dead of winter. The same holds true for home buying. The best time to buy your first home may be during a housing recession.

If you're going back to college in the fall you may want a mini-refrigerator for your dorm room. The best time to buy it won't be in the late summer when all of the appliance stores are over-priced, or sold out. The best time to get your fridge may be near the end of spring semester. Why not walk down the top floor of the dorm and see if you can find someone who is too lazy to drag his fridge home. Offer $25 and see what happens.

Steve Diggs
presents the No Debt No Sweat! Christian Money Management Seminar at churches and other venues nationwide. Visit Steve on the Web at www.stevediggs.com or call 615-834-3063. The author of several books, today Steve serves as a minister for the Antioch Church of Christ in Nashville. For 25 years he was President of the Franklin Group, Inc. Steve and Bonnie have four children whom they have home schooled. The family lives in Brentwood, Tennessee.

A complete financial compendium, 19 chapters
• What you can do today to get out of debt and kill the Debt Monster
• A,B,C's of handling your money God's way
• How to save, invest, and retire wisely
• How mutual funds work
• How to stop fighting over money
• What to teach your kids about money
• Learn how home & car buying, college financing and insurance work.
• How to develop a budget that works-FOREVER!
• Features simple charts, graphs, and easy-to-use forms.

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