WHAT TO DO
WHEN THE
PAY CHECK
DOESN’T COME?
Farm income and commodity
prices can be unpredictable. For
instance, many fanners counted on
getting higher prices for this year’s
soybean crops than they are. The
same crop last year commanded a
much better price. When that
money doesn’t come through, a
family suffers.
Meeting the simple needs for
filling a gas lank with fuel, replac
ing outgrown school clothes, and
picking up necessary prescriptions
become difficult. Tlie whole con
sumer cycle shuts down when a
Poultry Banquet Set
LANCASTER (Lancaster Co.)
The Lancaster County Poultry
Association banquet is scheduled
for Tuesday, Oct. 29, at 6:30 p.m.
in the Palm Court at the Willow
Valley Convention Center.
The 1991 Poultry Family Spirit
Awards will be announced, and
*
5 Year
Unconditional
Warranty
GOOD FOOD OUTLET STORES
See Our Original Line Of Golden Barrel Products Plus AH
Kinds Of Nuts, Beans, Candies. Etc. At Reduced Prices
* CORN SYRUP
* PANCAKE SYRUP
* PURE MAPLE SYRUP
* SORGHUM SYRUP
* TABLE SYRUP
* COCONUT OIL
* CORN OIL
* COTTONSEED OIL
* PEANUT OIL
* SOYBEAN OIL
* CANOLA OIL
* 100 LB. BAG GRANULATED SUGAR
©OLDE.f
* '
! r /
1 ' ’ -k.
X * I
V
Processors Of Syrups, Molasses,
Cooking Oil, Funnel Cake Mix
& Shoofly Pie Mixes -
(With or Without Syrup)
GOOD FOOD OUTLET
Located At Good Food, Inc.
W Mam St, Box 160, Honey Brook, PA 19344
215-273-3776 1-800-327-4406
Located At L & S Sweeteners
388 E Mam St, Leola, PA 17540
717-656-3486 1-800-633-2676
WE UPS DAILY -
family’s income disappears.
Sound familiar? What can you do?
First, talk with your family. As
odd as it seems, sometimes these
crises actually draw families
together and make them stronger.
Share your needs and the adjust
ments you all may have to make in
the next few months. Fortunately,
farm families usually have some
supplies stored up anyway.
Among other things, they often
keep fresh, frozen and canned pro
duce on hand.
Second, take advantage of com
munity resources! You have been
paying taxes to support many
social services. Now is the time to
use them. Don’t be embarrassed
about your need. These benefits
provide a financial bridge for you.
membership matters will be dis
cussed.
Tickets are $lB each, available
from the Lancaster Co. Poultry
Association, Farm and Home Cen
ter, 1382 Arcadia Rd., Lancaster,
PA 17601, (717) 394-6851.
CIGANTIC
SELECTION
IN
Lancaster
Farming's
CLASSIFIEDS
If your local store
does not have it,
CALL OR WRITE
FOR FREE
BROCHURE
& PRICES
r iT*.
Farm families seem at times to
be self-sufficient entities. (I can
remember my mother taking pride
in occasional meals made entirely
from our products.) But being self
sufficient isn’t the end-all. We do
need to be strong enough to ask for
help from others when we are in
need.
If at some point you are unable
to pay your bills, call the compa
nies or banks involved immediate
ly. Explain your situation. Often
they are willing to accept a pay
ment of interest only or to reduce
the monthly amount to something
manageable.
Before you talk to them, write
down exactly how much income
you are receiving and what your
family’s monthly expenses equal.
Also have in mind a way to com
promise a plan. This will show
your creditor that you are trying to
be responsible.
Many people who have exper
ienced a drop in income are eligi
ble for medical assistance or food
stamps. Don’t be afraid to use
these for a short time while you are
trying to get back on your feet.
Medical expenses are the biggest
problem for people with limited
incomes.
Because of the unanticipated
low prices or drop in income, at
least for a time, you will have to
stretch your dollars. Here are some
ways to do that.
• Write down every single thing
that you spend money on and now
much it costs. By keeping a list,
people become aware of the secret
drains on their wallets. Make a
shopping list and weigh the impor
tance of each item before spending
the money.
• Be creative. What meals can
you make from the cans of food
you have in the cupboard now?
Can you create some new outfits or
swap clothes with a sibling for var
iety instead of buying new clothes.
Can you sell any items for cash?
An old bike? Paperback books?
SPECIAL FOR OCTOBER 1991
* GOLDEN BARREL
12 OZ. PANCAKE &
WAFFLE SYRUP
49$
ALL HARD CANDY
10% OFF
■SP-i-Bi
H>, , Oc. -1 ZS3S;
‘l ■ - ■>_ #u«u
k BAKING
MOUSSES
* BARBADOS
MOUSSES
* BLACK STRAP
MOLASSES
* HONEY
* PEANU'I L UTTER
* FUNNEL CAKE MIX
* SHOOFLY PIE MIXES
Formals?
• Can any other people in your
home make extra money to help
out? Involve your children in sol
ving the problem. Can anyone
babysit, deliver papers, work part
time on weekends? Perhaps you
can rent some of your big equip
ment to another farmer or use some
of it to help do other maintenance/
construction jobs moving large
piles of dirt, clearing lots, etc.
It is critical to take good care of
yourself.
Silent Partner
(Continued from Pago B 2)
many resident cats and kittens.
“Miss Pearl is the resident cat,”
said Ginny. She was a stray that
walked up the driveway last
February.” Ginny and her husband
and mother have a weakness for
their furry feline friends, taking in
all the little critters that seem to
gravitate to the farm for sanctuary
and loving care.
Grace Owings enjoys the com
pany of her daughter and son-in
law. “Mom keeps an eye on
things,” said Ginny. Described as
part Annie Oakley and part
Calamity Jane, Grace seems many
years younger than her 75 years.
“Mom rides a three-wheeler.
Buzz and I ride four wheelers,”
Grace said.
Grace likened the 100 head of
steers that she watches over to “a
bunch of kids.”
At Runnymede the fence is
checked every day. “If there is a
storm during the night, it gets
checked during the night. If
Mother Nature decides to lay a
tree down over the fence, then we
have to do a little wood work,”
explained Ginny. She and her hus
band both use chain saws to saw
up fallen trees. Buzz said that
besides the cattle, his favorite part
of working on the farm is the
woods. During the winter, they
mark dead trees, cut and split logs,
and “come in cold and tired. Mom
serves up her slippery pot pie”.
KL&esusng sisoip
I. ' 3
2388 Old Leacock Rd., Gordonville, PA 17529
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Lancaster Fanning.
Of course, you may not have
lost your job. You may not have
even had a drop in income. You are
fortunate. But let me share this one
piece of advice with all workers.
Financial management experts
recommend that we all keep three
to six months income in reserve for
emergencies—for a broken wash
ing machine or refrigerator, for a
failed transmission.
And just like other important
things in our lives, that process of
saving takes time.
which she says is “the standing
meal on Sundays.”
When the two ‘possum belly
tractor-trailers” pull up to the
loading chute in October, the fam
ily will begin their fencing project
“As soon as they go, we’ll be str
inging fence all winter - eight
miles of it,” estimated Ginny.
They use barbed wire with two
strands electrified. And, while
Ginny and Buzz bid a sad farewell
to their steers that they have come
to know by name, Grace said jok
ingly, “To me, October is
Christmas.”
From a little girl following in
her father’s footsteps, to a know
ledgeable, well-respected caltlew
oman in her own right, Ginny
Lambert has proven herself. “You
like to know that you can do it.
The biggest trouble is the time to
do it.”
As with any farming endeavor,
long hours are a must. Ginny
balances her schedule between
time on the farm and time at the
law office of Hoffman and Com
fort where she is entering her 35th
year as a secretary. “My boss is
very understanding,” she said.
“Sometimes I come in and
leave skid marks from my tail
dragging,” joked Ginny. “But,
when you get up on the hill and
look down over them all, you feel
better. The best part is that you
love the farm and the cattle. It’s in
your blood.”