Being a smart consumer these days is getting more and more difficult considering all the different scams that we hear about in the news, as well as all the slick advertising used by retailers all competing for our dollars. Take these tips into consideration so you won't be taken for your money.

?Protect yourself?don't rely completely on others. Although there are consumer protection agencies out there doing their jobs, you still have to do your part. Be leery of anything ?too good to be true.? If you don't get satisfactory answers to your questions, say no.

?Don't do business with solicitors at your door. There are honest salespeople who go door to door, but it can be risky. You need the opportunity to do a thorough check on the business first.

?Be more discriminating when shopping, in terms of price and quality. Looking for the least expensive item can sometimes be a mistake. Cheap can mean shoddy materials. This is when being frugal can backfire. You may be better off spending a little more for certain things so you won't have to replacing them as often.

?Read the small print before you sign. Make sure you understand it and verify that it matches what the salesperson told you and what you agreed to.

?Keep your personal information to yourself. This cannot be stressed enough. Don't give out your social security number, credit card numbers, etc . . . even if you are told it will be used for verification purposes.

?Be skeptical of any pay in advance request, either for work or a job. Legitimate businesses typically don't require all the money to be paid up front. They may require half the money if they have to order specialized or custom materials. It is never necessary to pay for a job.

?Don't respond to letters or calls stating that you've won a prize and must pay to collect it.

?Avoid any work-at-home opportunities where you have to pay for instructions or a kit. These are just schemes to get your money.

?Don't open email messages from people you don't know. There are a lot of clever scams designed by computer criminals just waiting for someone to take the bait.

, Inc. is a national, non-profit organization dedicated to helping consumers achieve financial wellness through . Established in 1994, Christian Credit One has helped over two million individuals achieve financial security. is one of the top members of the American Association of Organizations (AADMO), Christian Credit One manages clients across the country. Personalized and confidential consultations are available in person, by phone or online. Visit or call 888-767-9155.

Greg McTaggart, Certified with 22 years experience, licensed by AFCPE, Director of and is an expert in budget and Having the combined experience as a licensed Real-estate salesman, Mortgage Broker, Real-estate Broker, Notary, Ace Member of the Cincinnati Executives, Mortgage Assistance Counselor and Spokesperson of the radio talk show The Money Mentor, Greg McTaggart is a qualified to help you.