Your finances are a lot like baseball. Three strikes (missed payments) can put you on the bench. And while you’d love to have the home run, singles and doubles can add up when you manage your money right. Remember that it’s a long season, and always keep an eye on your stats (budget, portfolio). Be as disciplined as a home run hitter waiting for the right pitch, and learn to adapt when situations change. You’ll end the season with a winning record … and a healthy retirement!

Are you a smart shopper, always looking for a bargain? Well, beware, because not every “bargain” out there is what it seems to be. It might be a “discount” on an inflated price, or it might be a BOGO when you only need one. It might be something you don’t actually need, but the price drop draws you in, or it might be drastically discounted because it’s a returned or damaged item. Finally, have you done your homework to make sure there’s not a cheaper alternative? Be smart with your money!

Your son’s on the phone, and he’s got an emergency! He’s been kidnapped, arrested or put in some other jeopardy and needs money right away. Before you leap to his aid, look for red flags that show you you’re being scammed. Does he want the money sent by some untraceable means? Does he want personal information over the phone? Is he pushing the urgency of the situation and demanding you act quickly? All of these are sure signs of an emergency scam. Ask personal questions only he could answer, hang up and call him on his number. Remember: You’re most likely not helping anyone … just feeding a scammer!