Heard. What Type Of Spender Are You? Many of us who made a New Year’s resolution to spend less money have already broken it. Don’t wait for next year to get your finances in shape. Reconsid er this year’s resolution and strate gies to salvage it Start anew by determining how you really feel about money, and what kind of spender you are. Cornell University’s Consumer Economists, say there are five types of spenders. Knowing which category you fall into can help pinpoint your specific obstacles. Money Spender Type 1 is the consumer we would all like to be. This type buys only what is need ed, saves for emergencies, likes to have ready cash, and shops for the best deal. Money Spender Type 2 buys nothing but the best, believes that expensive clothes are important, thinks you have to spend to get ahead, and that cheap stuff is not worth much. Money Spender Type 3 thinks nobody ever has enough money, credit is necessary, things you want should be bought NOW, and that “I deserve the nice things in life." Monr SWIVEL ROCKERS We bought 400 in different fabrics. It's a refusal by the largest chain store in the country. We bought them at deep discount prices. Reg. Ret. $399.95 OUR CASH PRICE ★SPECIAL! ★ $ 129.95 Liquidating for manufacturer! HUNDREDS OF OTHER ITEMS! OPEN TO THE PUBLIC All our furniture is brand new merchandise. Not used. Not traded in. Quality furniture and a whole lot more ... for a whole lot |ess. J By Doris Thomas Lancaster Extension Home Economist worry about money; it will come from somewhere. Keeping track of spending drives this person cra zy. Money Spender Type 5 be lieves that money cannot buy hap piness, that you can have fun with out spending money, and that other things are more important than money. How you spend your money de pends on how you feel about mon ey. To some people money is power. To others it means status and prestige. To others it means security. Some people use money to get the things they want in life. Others just want to have enough to pay for day-to-day needs. Be honest with yourself. Decide which type of spender ypu really are. It will influence the type of strategy you need to succeed in your financial resolutions. The ideal spender will combine qualities from Type 1 and Type 5. Other types need to re-examine their attitudes, and make some ad justments. Type 2, for instance, may want to find ways to make those expen sive clothes last longer, and stick to classic styles that will not date, rather than buying expensive new wardrobes each season. “Cheap” lould also be redefined. Are dc 4 doesn’t MODERN DINING GROUP Table plus 4 chairs in Black or Rose. Table features Brass edging. Reg. Ret. $399.95 OUR CASH PRICE $TB9>«5. ★ special $159.95 signer clothes purchased on sale or at an outlet cheap? Remember the basic tenet of good consumer ism: getting the best quality for the best price. Type 3 is liable to be an impetu ous type who needs instant gratifi cation. Saving is not likely to be a habit of this person. This type spender should consider renting, trading, sharing, or borrowing, ra ther than purchasing, some items, to meet that need for instant grati fication without going broke Also, put limits on credit card use and stick to them. Type 4 may not have made a financial resolution in the first place, though this type of spendci is in dire need of one. This non planning spender is likely to be plagued by “Phantom money,’ that $2O bill you had yesterdaj that is now just loose change though you cannot say how yoi spent it. This type of individua needs to start keeping records. Ii you don’t know where money wa; spent, you will never find ways tc spend less and save more. Keep track of the money in your wallet. Cut back or cut out spend ing on snacks, phone calls, mov ies, magazines, eating out, and re cord, book, or videotape clubs. Other strategies that can help all spending types: ♦ Look for the best buy. Check several places: a catalog, a news paper, and two or three stores in cluding a secondhand store before making a purchase. * Substitute. Ask yourself if a lower-priced item will do just as well. Use store brands and gener ics instead of name brands. * Find it free. Use public parks and playgrounds instead of ex pensive health clubs for exercise. Borrow books, records and video from the libr - CUP THIS VALUABLE COUPON) S gUBEN SLEEPER | AND LOVESEAT Reg. Ret. $2299.95 * OUR CASH ! PRICE ■ WITH j COUPON ■ I--*----------- - (WHILE SUPPLIES LASTI) ---------------a r-----------' CUP THIS VALUABLE COUPON -------------- I COUNTRY CASUAL BEDROOM This Pine finish group features a double dresser, mirroi panel headboard, 4 drawer chest and nighstand. Reg. Retail OUR CASH WITH $799.95 PRICE $349.95 COUPON p (WHILE SUPPLIES LAST!) L J PUBLIC NOTICE We are a four store chain not affiliated with any other stores. LANCASTER YORK CHAMBERSBURG CARLISLE 3019 Hempland Road 4585 West Market Street 1525 Lincoln Way East 1880 Harrisburg Pike 717-397-6241 717-792-3502 717-261-0131 717-249-5718 STORE HOURS: Monday Thru Friday 9-9 Saturday 9-6 (Lancaster k York) 9-5 (Carlisle ft Cliambersburg) Sunday Noon-B Lancaster Extension Plans Winter Workshops LANCASTER (Lancaster Co.) The following winter work shops sponsored by the Lancaster County Extension are scheduled at the Farm and Home Center, 1383 Arcadia Rd., Lancaster. For more information on the workshops, write to Agricultural Extension, Farm and Home Center, 1383 Arcadia Rd., Lancaster, PA 17604 or call (717) 394-6851. • Easy Tailoring For Beginners and Others on March 3,10,24,31, April 7, 14, 21, from 9:30 a.m. to 11:30 a.m. • Pants That Fit Workshop, February 16, March 2,9,23, April 6 at 7 p.m. • Copies From Your Closet Workshop, March 6, 9:30 a.m. to 2:30 p.m. • Mastering Zippers Workshop, Choose February 24 at 7 p.m. to 10 p.m. or February 25, from 9 a.m. to 12 noon. • Re-entry Sewing, April 20,27, Exchange Students Need Homes TIBURON, Calif. Host fam ilies are being sought for 25 high school students from France, Ger many. Belgium, Spain. Denmark and other foreign countries for the upcoming school year, in a prog ram sponsored by the American International Youth Student Exchange Program (AIYSEP). The students, age IS through 18, will arrive late August, attend local high schools and return to their home country in June, next ear. $589.95 $529.95 B Piece Lancaster Farming, Saturday, February 13, 1993-B7 May 4,11,18,25, from 9 a.m to 11 a.m. • Sewing S.O.S. Workshop, Choose May 4,7 p.m. to 9 p.m. or May 5, 9:30 a.m. to 11:30 a.m. • Pattern Grading Workshop Workshop, Choose May 11,7 p.m. to 10 p.m. or May 12, 9 a.m. to noon. • Swimsuit Sewing Workshop, May 20,27, from 7 p.m. to 10 p.m. • Log Cabin Quilting for begin ners, February 22,7 p.m. to 9 p.m. Or March 1 or 8, 6 p.m. to 9:30 p.m. • Traditional Finishes For Quilts Workshop, April 5, 12, 6:30 to 9:30 p.m. • Woven Heart Envelope Work shop for mother and daughters. February 8 or May 3, 6:30 p.m. to *:3O p.m. ' • Jacob’s Elevator Workshop (quilting) May 12,7 p.m. to 9 p.m.. May 22, 10 a.m. to 3 p.m. The students, all fluent in Engl ish, have been screened by school representatives in their home countries and will have spending money and medical insurance. Host families may deduct $5O per month for income tax purposes. If you are interested in hosting, please contact the AIYSEP Inter national Headquarters: Office of the Director, 200 Round Hill Road, Tiburon, CA 94920. '4 1 5)499-7669 or 7 -7575. Liquidation! No Refunds. No Exchanges. Cash & Carry FINANCING AVAILABLE No Out-Of-State Checks Accepted Out-Of-State Credit Cards Accepted For purchase with a check, bring proper ID and a major credit card. Not rsapooaibk for typographies! smxi
Significant historical Pennsylvania newspapers