Does cost of having your roof repaired, having termites removed, having wet rot cut out of wood and having your drywall replaced, repaired and repainted outweigh cost of getting up on ladder with a caulk gun and sealing leaking gutter?

Does 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 energy it takes to iron clothes for an hour?

This month, when you get urge to procrastinate, do what recovering alcoholics do when they get urge to drink. They walk themselves through what would happen if they take that first drink, starting with picking up glass and ending with falling down in gutter and losing everything important to them in process. Walk yourself through true cost of putting off what needs to be done versus cost of taking time, energy and money to do it now. Then make a conscious choice as to whether or not you want to pay that price.

This month, cut your costs by taking action on 4 items that would cost you more if you put them off until later.

·Absolutely never send unsolicited faxes. You must include a confirmation number from a current credit report to fax credit bureau.

·You only need to fax credit bureau to get them something that you couldn't get them by phone or mail: usually a "deletion" or "collection paid" letter, clearing you of a bad credit item.

·Be sure to include required identification information. For Equifax for instance ID should include a photocopy of your driver's license and a copy of your social security card or a current utility bill.

·Always include your confirmation number. Comply with credit bureau faxing protocol by including a confirmation or tracking number from your current credit report.

By knowing when and how to fax credit bureau, you can coordinate a quicker result when bettering your credit.