B4—Lancaster Farming, Saturday, January 14,1984
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Financial Planning
For Teens
There is nothing like a new year
for getting organized. This year,
while making resolutions for
yourself, make a few to help your
teenagers learn about financial
planning.
Include your teens in regular
financial discussions, and give
them the opportunity to assume
responsibility for many of their
own expenses. If you do, you will
give them a boost toward financial
independence. Here are a couple of
tips.
Explain your family income.
Anyone who’s old enough to spend
money is old enough to understand
where it comes from and how far it
has to go. Discuss how your long
range financial goals affect the
amount of money you budget for
food, housing, entertainment, and
other categories including
education and savings.
If you haven’t already, think
about using an allowance system.
Since teenagers have legitimate
financial needs (books, clothes,
entertainment, transportation,
personal care, and services), they
also need to learn how to budget for
them. An allowance doesn’t mean
you are spending more money, it
just shifts the responsibility for
budgeting to the spender.
Now that tax time is coming up,
it’s a good chance to review and
explain your record keeping
system and its importance to
family financial management.
Explain that you can’t plan what
you’re going to do with money
unless you also know how much
comes in, how often, and how much
is already committed for what.
There’s no reasonable way to
escape the need to budget.
Discuss buying practices. If your
teenager is planning an important
purchase, it’s a good opportunity to
talk about comparative shopping,
reading labels, and interpreting
THE WORLD’* LARGEST SELLING CHAIN SAW
Ladies
Have You
Heard?
By Doris Thomas
Lancaster Extension
Home Economist
advertisements. If you use credit
cards, explain them to your teens
including the costs of credit and
the impact credit and credit
practices have on your financial
history.
If your teenagers don’t have a
bank account, don’t delay any
longer. Learning how to use and
manage a banking account is basic
to today’s world. At the end of each
month, balance your books
together and encourage your teens
to record what goes in and out and
why - it can be an eye opener!
Above all, recognize that
adulthood and the real world are
just around the corner for your
teenagers and you don’t have
much more time to help them
toward sound financial practices.
Be open and supportive and resist
the temptation to make their
financial decision. With your
guidance, they can do it them
selves.
Make Your Winter
Healthier
In winter the relative humidity
in your home takes a nose dive.
That’s because the heated air can
hold more moisture than the cold
outside air. The result of this is the
heated inside air bags for
moisture...from plants, furniture,
even from your body. And .that’s
why dry skin, nose bleeds, asthma
and certain respiratory ailments
flare up during winter months.
The solution is to increase the
inside air’s moisture content... and
the best way to do that is with a
humidifier. Humidifiers are
recommended over vaporizers
because they’re more efficient for
large scale efforts and they pose
fewer hazards. Because
humidifiers produce a cool mist
there’s no risk of being scalded or
burned, which is a possibility with
hot mist vaporizers. And while cool
mist vaporizers are available, they
still aren’t as efficient as a
humidifier
Karen Nesbit
(Continued from Page B 2)
three girls and one boy. The girls
have helped to “mind” the store
from the beginning. A neighbor
assists when necessary to cover
milking tunes and when school or
4-H events call everyone away.
Karen put much planning into
restoration of the store and has
added insulation, a new furnace,
running water, and small kitchen
and restroom facilities since
taking over ownership. Lunches
are often served for the family
from this kitchen and Karen
managed to do all of her canning
there this summer.
Perhaps one of the most in
triguing aspects of this ambitious
farm wife’s life is that she was a
“town kid”. Karen laughs as she
says, “Jerry says town girls are a
good kind for farmers to marry.
They don’t know any better. (They
don’t realize what they’re getting
into.)” She admits that she may
not have married a farmer if she
realized what all was involved.
However, I doubt that she would
give up tlus lifestyle.
After several minutes of
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laughing, Karen tells of her first
expenence as a “farm wife”. She
and her husband were bringing
their new herd into the barn for the
very first milking (18 years ago).
Karen was assigned to stand in the
walkway to head the cows into
their stalls. It seems that "those
cows were so big and they just kept
coming at me” until Karen stood
outside the barn by the milkhouse,
and a very angry husband was in
the barn with about forty cows
going wherever they pleased.
The first “milking chore”
assigned to the wife those first few
days was to wash cows. However,
the new farm wife didn’t know a
dry cow from a fresh cow, and
when Jerry said “wash the next
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cow” that is exactly what Karen
did.
Karen has come a long way in 18
years. Their children “grew up in
the barn” and have taken an active
part in this strong family farm
from an early age. Today, if she
had to, Karen could manage most
of the Jay to day running of the
farm with the exception of the field
crops.
A life-style that is “dull and
nothing special”? I don’t think so.
A better description might be busy,
hectic, challenging, and even
satisfying. Although the store “ties
me down” more than even dairy
farming, Karen readily admits, “If
I had to go out and get a job—l
would want to manage a store like
this.”
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AUTHORIZED DEALER:
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89 Old Leacock Rd., RDI, Ronks, PA
STORE HOURS Mon thru Sat -8 to 5,
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