812-Lancastsr Farming, Saturday, June 8, 1991
mM
TAKING
Pinching Pennies Pays
I am the kind of person who will
pick up stray coins lying on the
street As a child I squirreled away
the pennies in a bank on my dress
er. I remember at college, it was a
rare day that I did not recover some
change as I walked to and from
class.
No wonder I teach money man
agement now!
Whether you're talking about
the spare change you find in pock
ets while doing the laundry or
about the dollars you indirectly
save by making an informed
purchase at a department store,
pinching pennies pays.
This summer families will need
to stretch the limited funds they
have.
I imagine your farming com
munity is much like that of the
Lehigh Valley where the concerns
about finances closely shadow the
weather chans. We know that our
families' financial security
depends on a good crop and decent
market prices!
As individuals, we can do little
to control the economy and the
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A new Product In Our Line
STANDING SEAM ROOFING
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NOW YOU CAN CALL US TOLL-FREE AT
1-800-582-9956
weather, but we can take steps to
control the finances we already
have. To help you make it through
some of the lean times this sum
mer, consider these money
stretching ideas.
Around the Home: May brought
swelteringly high temperatures to
Pennsylvania. To lower your utili
ty bills, remember to pull shades to
block sun from heating your home.
Take advantage of cross
ventilation cooling by opening
windows or doors at both ends of
the house. However, in many older
brick and stone homes, after a
night of cooler temperatures, you
may find it better to keep the house
closed up to prevent cool air from
escaping and warm air from
entering.
Assess your bank accounts. Are
you stretching your money by
keeping most of it in accounts that
earn interest? Many checking
accounts offer interest See if you
could transfer some of your check
ing account money to a relatively
liquid, but higher interest bearing
category.
Interest rates are down. Now
CUMMINS
UOLSC.T
ASSOCIATION OF
DIESEL SPECIALISTS
may be a good time to refinance
bigger loans. You could save a
substantial amount of money. Ask
your banker for details. You can do
this by phone. Call several places,
and ask lots of questions.
Make it yourself. It's less expen
sive to make things like salad
dressing, chocolate milk, and
sugared cereals at home. You pay a
lot of money for someone else to
sprinkle on the sugar or stir in the
flavor!
Drink water. Keep a jug in the
refrigerator. This will cut down on
the costs of other beverages, cut
calories in your diet, and reduce
utility costs (because people tend
to run the tap a long time before
drawing a glass of cold water).
Swap novels, children's toys,
and exercise equipment with
neighbors or friends to save money
while still enjoying different ideas.
Could you borrow a tent rather
than renting one?
Collect aluminum cans along
the road and redeem them for cash.
When Shopping: Write a list
before you leave for the store, and
stick to it. Don't buy fresh produce
because it's a super price only to
allow it to rot on your counter or in
the crisper. Remember, freezer
space may be limited as you begin
to preserve your home-grown
produce.
If you are looking for a particu
lar item, do your comparison shop
ping by phone. Call several stores
and ask if they slock the item and
what the price is. This will save
you time, energy, and gasoline.
When you find the best deal, you'll
also be saving dollars.
WE ARE DRIVEN...
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VAIST DALE Dependability through Quality
FRANKLIN’S FARM LANCASTER SILO
SERVICE CO. INC.
Laceyville, PA 717-869-2407 Lancaster, PA 717-299-3721
PAUL JACKSON’S
LIVESTOCK SYSTEMS
Troy, PA 717-297-3872
HISTAND’S FARM
& HOME SERVICE
Rome, PA 717-744-2371
k . * , Nr RYDER SUPPLY CO.
K & S INU. Chambersburg, PA
Quarryville, PA 717-284-3111 717-203-9199
Yes, it's only pennies, but reuse
your shopping bags. Some stores
are now deducting several cents
for each grocery bag that you
reuse.
Do your shopping in one trip.
Plan the trip on a day when you
have doctor or dentist appoint
ments. By making one less trip per
week, the average family can save
$lOO in a year.
On Vacation: If you are a senior
citizen (or in some cases over the
"magic" age of 50 or 55), by all
means inquire about discounts at
restaurants, museums, fairs, and
parks.
Woman Honored For Helping
Low-Income Families
SCRANTON (Lackawanna
Co.) Betty Meholic, Expanded
Food and Nutrition Education
Program(EFNEP) advisor in Lack
awanna County, was recognized
for 20 years of service with the
Penn State Cooperative Extension
Expanded Food and Nutrition
Education Program during the
annual state EFENP meeting at
University Park on April 29 and
30.
Mrs. Meholic reaches families
with limited incomes through
home visits and group meetings to
teach basic nutrition concepts
which improve the quality of lives
for those involved.
In the program's 22 years,
EFNEP has brought nutrition edu
cation to low-income families with
young children throughout the
state. More that 149,000 Pennsyl
vania families and 337,000 youth
have been enrolled in EFNEP.
This year, more than 8,000 fami
lies in 46 counties will be among
over 600,000 families involved in
the program nationwide.
Particularly for day trips or
weekend outings, pack your food.
Eating at restaurants or from festi
val vendors can triple the cost of
food!
Instead of buying souvenirs,
send picture postcards to friends.
Ask them to save them for you. At
the end of your trip, you will have
saved money on phone calls or let
ters, and you will have compiled a
wonderful journal of your adven
tures without adding another dust
collecting knicknack.
Taking the time to stretch sum
mer resources is definitely worth
the dollars saved!
Essential to the program are the
nutritional education advisers and
the county extension home eco
nomists who train them. More than
800 individuals have served as
nutrition advisers since the prog
ram began in 1969. Thirteen of the
current 105 advisers and three of
the supervisors have been with the
program since its beginning.
EFNEP nutrition advisers teach
low-income families how to plan
and prepare nutritious, low-cost
meals. The EFNEP curriculum
includes planning meals, storing
food safely, using proper sanita
tion practices, shopping for food,
buying with food stamps, budget
ing food costs, gardening and pre
serving food. Participants also
leant about other food programs
an' 1 community resources.
For mo infontimio’i about
EFNEP in Lackawanna County,
contact the Penn State Cooperative
extension office at 200 Adams
Ave. Scranton.
For Additional Information And Literature
Write Directly To:
VAN DALET
P.O. Box 337 Long Lake, MN 55356
612-473-7395
★ DEALER INQUIRIES INVITED ★
McMILLEN BROTHERS STAR SILOS
Loysville, PA 717-789-3961 Myerstown, PA 717-866-5708
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