40
—Lancaster Farming, Saturday. Feb. 15, 1975
iADIES
1 HAVE
YOU
HEARD?
> By Dons Thomas, Extension Home Economist
Controlling Pergonal
Flnancci-
Inflation Makes It
Difficult
If you’ve gotten the feeling
recently that the family
finances were running you -
instead of the other way
around - you’re probably in
very good company.
Economic circumstances,
often beyond individual
control, have greatly in
creased the number of
families in financial dif
ficulty.
But, runaway family
finances, including a sud
denly too heavy debt load,
can be brought under con
trol. The American Bankers
Association (ABA)
recommends three steps in
the process;
- A realistic assessment
and acknowledgement of the
problem.
- A hard look at the family
budget and spending pat
tern.
- Person to person com
munication with creditors.
As with any problem,
mmmm
An old
oil burner
can steal
15-25%
of your
allotted fuel
How to stop it;
'W
An Agway energy-saver burner can hel
conserve energy. Live more comfortably,
Because an old burner that’s not completely
worn-out can still be wasting energy Burning
fuel without giving you the comfort it should
And this year, you can't afford to waste a drop of
oil
In just a few hours, Agway can modernize your
furnace with a thrifty new Model 40J burner -
$18995 plus tax Price includes installation and
a new master control to replace your old
fashioned stack relay Convenient financing also
available So call Agway ... today.
THE ENERGY SAVERS
AGWAY PETROLEUM SERVICE
1027 Dillerville Rd., Lane., Pa.
Phone 397-4954
Installation and service by experts
Financing is available
c
-
acknowledgement of its
existence and a look at
possible causes must be the
first step. A big factor today
is inflation. There are many
indications that inflation is
rising faster than individual
earning power. For some
Americans, real disposable
income may actually be
declining each month.
With less money to spend,
and more of it going for such
essentials as food and
shelter, fewer dollars are
available for other budget
items, including repayment
of previously extended loans.
Under these conditions loan
deliquencies (installments
over 30 days late) normally
begin to rise, and recent
ABA statistics show that
they rose sharply in 1974.
Another very real factor in
financial difficulties can be
(and in some parts of the
country has been during this
period) unemployment.
Whatever the cause, the
second step in regaining
control is to carefully con
sider the family budget,
p you
too
fAGWAY
assets, and spending pat
tern.
If records of spending
haven't been kept, now is the
time to begin. A simple
dlmcstorc ledger book, with
vertical columns
representing income and
spending categories (food,
clothing, rent, insurance,
etc.), and horizontal lines
representing pay periods,
can show you at a glance
your family’s yearly
spending pattern. Perhaps
you'll find that some
nonessential categories,
such as travel and en
tertainment, could be
temporarily cut back.
The ledger may show you
what is already a bone-bare
budget. In that case the
family assets must be
considered. Do you have a
vacation home that could be
sold? Is your family auto
perhaps bigger or more
expensive than you really
need? Could you make do
with a less expensive
apartment 7
If the best use has been
made of available assets, but
financial difficulties remain,
the final step is to talk
frankly with your creditors.
Consumers can be, and often
are, helped over i ough spots
through deferred payment
arrangements and-or ex
tension of credit terms to
bring down monthly
payments.
Creditors much prefer to
work out an arrangement
equitable to all, than to
repossess a car or foreclose
on a house. A frank ex
planation of the situation will
often be enough to reassure
the Lender that you do intend
to uphold the loan contract,
and could result in a grace
period as well as some sound
financial counseling.
Stainless Steel Offers
Easy Maintenance
Stainless steel is used
everywhere: flatware, cook
ware, furniture, sinks, small
and large appliances and
decorative accessories, to
name a few. It is made by
mixing chromium and steel.
Additional ingredients may
include nickel, molybdenum,
JOHN DEERE
SNOWMOBILE
- SPECIAL
Between now and March 31, 1975, you can
buy a new John Deere Snowmobile with a reduced
down-payment and no finance charges
will be imposed until September 1, 1975
Offer ends March 31, 1975
COLLINS MOTORS
RDtfl
Elizabethtown
Phone 357-1856
ADAMSTOWN
EQUIPMENT INC.
Mohnlon, RD2, Pa 19540
Inear Adamstown|
Phone [215)484 4391
LAHOIS BROS. INC.
393-3906
Lancaster
titanium, manganese and
columbium. Stainless steel
can be shiny to the point of
mirror-Ilkc brightness or it
can be a dull satin or
brushcd-look surface.
Many distinctive qualities
make stainless steel ideal for
its diverse houueh''' and
Institutional uses. It is
strong, resists chopping,
denting, cracking, scrat
ching and corroding. The
material is durable; docs not
rust, pit, stain or tarnish. It
can be subjected to freezing
tempertures and then heated
to high temperatures safely.
Another inherent
characteristic is its easy
cleanability. Stainless steel
has no pores or cracks to
retain dirt or germs, so it
cleans readily with
detergent or soap and water
solution. Water spotting may
be prevented by wiping and
drying items with a soft
cloth.
For stubborn dirt, such as
baked-on food residues,
apply a special stainless
steel cleaner or household
SAV.
now®*' 0
Monarch
Ranges
Coleman Center
Box no
R.D. 1 Ronks, Pa.
lowat
ings
A. B. C. GROFF. INC.
354-4191
New Holland
GOODMAN’S AUTO SERVICE
Honey Brook, Pa
- 1215J273 2356
M. S. YEARSLEY & SONS
West Chester 696 2990
Farm Women Calendar
Saturday. February IS
Farm Women Scolcly 12
meeting ot 1:00 p.m. at
the home of Mildred
Kindig. Craft program
planned.
Farm Women Society 5 of
Berks Co. will sponsor a
Hoc-Down at the
Stouchsburg Fire Hall
from 8:00 - 11:00 p.m.
Farm Women Society 18
meeting to entertain
Society 4 at the Lancaster
Farm and Home Center
at 12:30 p.m.
cleanser to a damp sponge or
cloth. Then, rub gently in the ,
direction of the polish line or
brushed grain. Rubbing in a
circular motion may cause
scratches.
UNCLAIMED FREIGHT COMPANY
and LIQUIDATION SALES
THIS WEEK ONLY - WE HAVE 4 LARGE WAREHOUSES FULL OF
MERCHANDISE OF EVERY TYPE - DUE TO SO MANY DEALERS
REFUSING MERCHANDISE BECAUSE OF THEIR OVER STOCKING &
BEING DOUBLE SHIPPED - BANKRUPTCY - AND GOING OUT OF
BUSINESS - WE PURCHASED FROM MANUFACTURERS 4 FREIGHT
COMPANIES - ALL MERCHANDISE LISTED BELOW 4 MOST ALL
ITEMS IN .THE STORE WE WILL GIVE AN ADDITIONAL 10 “n
OFF - STARTING THE WEEK OF FEB 7TH
SORRY - BUT NO 10°° ON ITEMS WITH A STAR
12” POWER SAWS - Ordered by dealer for Christmas
15 -
arrived late he refused we purchased Reg $179 95 OUR PRICE
$95 00*
25 - DICTIONARIES - UNABRIDGED Reg $54 95 OUR PRICE
$25 00
LARGEST MANUFACTURER OF STEREOS
CLOSING PHILADELPHIA WAREHOUSE WE
PURCHASED A TRAILER LOAD. THESE PRICES
ARE UNDER WHOLESALE - FRIEGHT - NO
CHARGE.
17 - QUAD SETS - AM/FM STEREO - 8 Track BSR Turntable
4 Speakers Reg $409*00 OUR PRICE $229 00.
38 - Same as above w/bigger speakers Garrard changer Reg
$469 95 OUR PRICE $269.95.
11 - STEREO CONSOLES - AM/FM Stereo 8 track turntable
Reg $369 95 OUR PRICE $179.95
40 - STEREO COMPONENTS - AM/FM Stereo Garrard changer
10 speaker air suspension system high wattage Reg $469 95 OUR
PRICE $22995.
12 ONLY - 11 BAND RADIOS
$49.95*
Hundreds of other stereos to choose from
ponents - Recording Units
6 - 25" COLOR CONSOLES - Full size to the floor Reg 1669 95
OUR PRICE $449.95*
Thousands of Tapes Reg $4 89 OUR PRICE $2.00*.
18 - SEWING MACHINES - zig-zag - button holer etc Made up
for chain store - refused we purchased at great savings Reg
$lB9 95 OUR PRICE $79 95 w/case*
9-EARLY AMERICAN SOFA & CHAIR SETS - 100% Nylon were
double shipped to the largest chain store in the country We pur
chased Reg $629 95 OUR PRICE $265 00
EARLY AMERICAN SOFA & CHAIR Reg $549 95 OUR PRICE
$265.00
Many more suites to choose from
150 - RECLINERS - left dealer refused from up state 50-70'’"
OFF RETAIL.
21 - CHEST FREEZERS - 15 3 cu ft deluxe model reg $329 95
to $369 95 OUR PRICE $265 00.
BUNK BED SETS Reg $289 95 OUR PRICE $149 95
BUNK BED SETS Reg $339 95 OUR PRICE $179 95
230 DINING ROOM SETS complete buy the piece you want
refused from stale and local dealers we purchased will be sold at
wholesale and under Pine Maple Oak Cherry Venerred
14 - FULL SIZE SEWING MACHINES - lightweight-not cast iron
built in button holer - blind stitch with true stretch stitch built in Reg
$309 95 OUR PRICE $109.95 w/porlable case
11 SEWING MACHINES - fully automatic light weight
nationally advertised at $389 95 OUR PRICE $lB9 95
3 - POOL TABLES solid slate tops
MICRO-WAVE OVENS
60 - GRANDMOTHER & GRANDFATHER CLOCKS 40-50% OFF*
51 - PINE ROCKERS - Reg $139 00 to 189 00 OUR PRICE $79.95*
40 - HIDE-A-BEDS Herculon Reg $289 95 OUR PRICE $169 95
DESKS - OFFICE & HOME
TOO MANY ITEMS TO MENTION ALL COME
IN AND SEE REMEMBER IF YOU DON’T
SEE IT ASK FOR IT
FULL WARRANTY FINANCING THRU BANK
ACCEPTANCE COOPERATIONS CREDIT
CARDS AND LAYAWAY MOST ITEMS WE
DELIVER SOME WE DON’T COME IN
WITH YOUR TRUCK AND WAGONS
CORNER OF HEMPLAND ROAD &
CENTERVILLE ROAD '
NEXT TO 84 LUMBER
LANCASTER, PA
HOURS; MONDAY-FRIDAY 10 A.M. to 9 P.M
SATURDAY 10 A.M. to 5 P.M.
PHONE: 397-6241
Monday, February 17
Farm Women Scoicty 31
meeting at 7:30 p.m. A
talk on cosmetics will tic
given by Merle Norman.
Thursday, February 20
Farm Women Scolety IS
meeting at 1:30 p.m. at
the Union Church.
Saturday. February 22
Farm Women Society 5
meeting at 1:30 p.m.
Program will be a bring
and brag auction.
Farm Women Society 30
meeting for a progressive
dinner.
Read
Lancaster Farming
For Full
Market Reports
Reg $ll9 95 OUR PRICE
Consoles
Com