November 13, 2025

Greetings!

If you've worked hard to save money, the last thing you want is to see it vanish because of a clever scam. Unfortunately, scams have gotten more sophisticated, and they're targeting regular people who are simply trying to manage their finances.

Scammers are getting smarter every year, finding sneakier ways to separate people from their hard-earned money. Even the most cautious among us can fall for a convincing email or phone call if we're caught off guard. Here are some of the most common scams making the rounds and how to protect yourself.

Be Well,
Anisa

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Spot the Scam Before It Hits Your Wallet

1. Phishing emails and texts
These are fake messages that look like they're from your bank, credit card company, or even the IRS. They often warn that your account has been locked or that you need to verify information. Never click the links. Instead, go directly to the company's official website or call their verified number.

2. Fake tech support calls
You might get a call from someone claiming to be from Microsoft, Apple, or your internet provider saying your computer has a virus. They'll ask for remote access or payment to "fix" the problem. Hang up immediately. Legitimate tech companies do not call customers out of the blue.

3. Imposter scams
These scams tug at your heartstrings. The caller might pretend to be a relative in trouble, a charity, or even a government official. If you get a call like this, take a breath and verify the situation independently. Scammers count on you acting fast out of fear or sympathy.

4. Prize and lottery scams
If someone tells you you've won money or a prize but need to pay taxes or fees upfront, it's a scam. You should never have to pay to collect winnings.

5. Fake online job offers
Social media is filled with "work-from-home" opportunities that ask for your ssn# and bank info to set up direct deposit. Always research the company name and look for verified reviews before sharing any personal information. Even call the company to see if this is their post. Many scammers pose as real companies but they're not!

In Closing...

It's not just about being careful; it's about being aware. Scams prey on emotion and urgency. The best defense is to slow down, verify everything, and never share sensitive information over the phone or through email unless you're 100% sure who you're dealing with.

You Said It, We Saved It

From the 11/4 edition:

" My husband and I started adding $50 extra each month. Two years later, our mortgage is already ahead of schedule, and we are saving hundreds in interest. It feels amazing!" – Laura P.

" I never thought an extra payment would make such a difference. Now I check my mortgage statement every month to see the principal drop. Highly recommend this strategy." – James M.

Reply back to me with any comments on today's or past issues.

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