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