David Bach’s “Fight for Your Money” Rules
1. There is no such thing as a free lunch. If a deal sounds too good to be true, it probably is.
2. Figure out the total cost. The price they advertise isn’t necessarily what something really
costs.
3. Don’t take anybody’s word for anything. Guarantees and promises don’t mean anything
unless they are in writing.
4. Do your homework. Comparison-shop, educate yourself about the product, and unless you
know whom you’re dealing with, check them
5. Be careful what you sign. Read all the paperwork, including the small print, and make sure
you understand it.
6. Resist efforts to pressure or intimidate you.
7. If you think you’ve been scammed, report it to the appropriate authorities.
Bob Sullivan, “Complaining is to being a good consumer what voting is to being a good citizen. If
there are no complaints, there’s no impetus for legislative change and the enforcement officer
don’t know what’s going on. If you only complain to friends but don’t report something…then nobody who can do something about it knows what happened to you"
8. There is no such thing as a set price.
9. Package deals are often not good deals.
10. Money gives you control, so hold on to it as long as you can.
11. Protect your identity.
