Taking
Time
Patricia
Pawley
Living On A
Reduced Income
Keeping A Roof
Overhead
Keeping a roof overhead is an
important concern when you lose
your income. If you rank your
bills in order of priority, chances
are housing is at or near the top of
the list
When you’re under the finan
cial distress of reduced or lost
income, one of the biggest
expenses is housing. Housing
expenses included mortgage or
rent payments, insurance, taxes,
household maintenance and
repair, utility bills, furnishings,
and cleaning supplies.
When your income drops, care
ful planning can help you avoid
eviction from your rental unit or
the loss of your house.
Rent Payments
If you rent, tell your landlord
about your situation before rent is
due. Ask for a temporary post
ponement until your income
resumes. Offer to provide some
service, such as painting in
exchange for rent Suggest mak
ing smaller payments for a month
or two, with die understanding
that you will catch up when your
income increases again. Often it
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costs money for a landlord to
change tenants so they may be
willing to work with you.
There are steps that a landlord
can take when you don’t pay your
rent according to your lease
arrangement, so contact him/her
immediately.
If you think your loss of income
will continue for more than a few
months, you may have to consider
moving to lower cost rental
housing.
Mortgage Payments
With reduced or lost income,
you quickly feel the stress of a siz
able mortgage payment.
If your loss of income will only
be a few months, you may be able
to cut back on other to
meet your mortgage payments.
Important* If you miss a mort
gage payment, you have defaulted
on your contract and your lender
can begin foreclosure on your
home.
If meeting your mortgage pay
ment appears impossible, contact
your lender immediately.
You may be able to skip a pay
ment or arrange a lower payment
Take along a new spending plan
that fits your reduced income.
Most lenders would rather
avoid the time and cost involved
ADAMSTOWN
'• Adamstown Equip. Inc,
ALLENTOWN
Lahlgh Ag Equipment
BECHTELSVILLE
Millar Equip. Co.
CARLISLE
Gutshall's, Inc
DOVER
EASTON
ELIZABETHTOWN
Masslck Farm
Equipment Co.
INTERCOUSE
C. B. Hoobar A Son
GREENCASTLE
Mayars Implement
LEBANON
Umbargar'a ol Fontana
LOYSVILLE
G utahaH's, Inc.
OAKLAND MILLS
Paoplas Salsa A Sanies
OLEY
N
Plkevllle Equipment, Inc.
QUARRYVILLE
Grumelll Farm Service
TAMAQUA
Charles Snyder, Inc.
WATSOKITOWN
OearlMdAgSTlitf
Carter, Inc.
RISING SUN
Ag Industrial Equipment
BRIDGETON
Leslie Fogg
ELMER
Pole TOvern Equip. Sales
Corp.
in a foreclosure if another alterna
tive can be worked out
If your loss of income is going
to last a long time or is permanent,
you will need to consider other
options. You don’t have to live
under the extreme stress and strain
of meeting mortgage payments
that are too high. Hoe are some
options:
•Taking in a roomer or renter
and use the money toward mort
gage payments.
•Renting the present house to
someone else and renting less
costly housing for yourself.
•Selling the present house and
Steam Show To Take
Carroll County Farm
WESTMINSTER, Md. The
35th annual Steam and Gas
Engine Show will be held at the
Carroll County Farm Museum on
Friday, Saturday, and Sunday,
September S, 6,7,7 a.m. to dusk.
Admission is free. The Carroll
County Farm museum is a facility
of the Carroll County Farm
Museum Department of Recrea
tion and Parks.
International tractors and
equipment will be featured this
year. Contact Leroy Baumgardner
at (717) 225-6987 for assistance
with an International Harvester
display. Other tractors, steam
Pennsylvania
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Gao. V. Sslplt
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601 Overly Grove Road, New Holland, PA 17557 \
buying or renting less costly
housing.
•Moving in with relatives or
friends. Offer to share some of the
housing costs.
•Deeding the house back to the
lender. You may not lose much.
For example, if you’ve been pay
ing on a mortgage for 10 years,
you have not paid for much of the
home yet only about 10 per
cent If by staying in this house
you won’t have enough money for
food or other necessities, you may
find it less stressful to leave the
house and find less expensive
housing.
engines, antique cars and trucks
will also be displayed at this
year’s show. Participants will re
ceive 1997 show plaques. For
information on equipmment dis
plays. contact the following: trac
tors - Jeff Sterner (410) 848-0443;
engines - Bruce Rhoten (410)
374-3644; antique cars and trucks
- Shane Ey (410) 857-1239 or
steam engines - Fred Miller (717)
359-5445. Contact Fred Miller of
the Mason Dixon Historical Soci
ety if help is needed with hauling
at (717) 359-5445.
A cancellation stamp featuring
the Mason-Dixon Historical Sod-
m
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’sW. ' TO’"'fW*iajßbK*
■ a*.
Insurance Payments
Homeowner or renter’s insur
ance protects you in case of loss or
damage to property. During times
of reduced income, it’s important
to have property insurance.
If you can’t make an insurance
payment, call or write your agent
or the company. There may be
some leeway (10-30 days) in pre
mium payment due dates.
Real Estate Taxes
If you are unable to pay taxes,
contact your local county treasurer
to learn about procedures used
when property taxes are delin
quent Interest accumulates on
unpaid taxes.
Place At
Museum
ety will be featured on Saturday.
September 6, during the Steam
Show.
Raffle tickets will be sold for
the following items to be raffled
on November 3. You need not be
present to win. Prizes include:
19481 H Cub or $5OO cash; a Cash
IH Pedal tractor, a queen-size
quilt; an IH toy tractor, and fifth
prize, an IH belt buckle.
Antique tractors, machinery of
every make and color, and equip
ment that would have been used
on the farm and pulled or powered
by tractors, gas engines or horses
will also be on display. A parade
of tractors and equipment wifi be
held each day at approximately 4
p.m.
Demonstrations of saw milling,
shingle sawing and branding, bal
ing, threshing and grinding will
also be conducted.
The Farm Museum Farmhouse
will be open for guided tours and
the Living History Centery, Gen
eral Store and outbuildings will
also be open Friday, September S.
1997,10 a.m. to 4 p.m. and noon
to S p.m., Saturday, September 6
and Sunday, September 7.
For All
Your Concrete
Walls And
Construction
Needs
CONTACT
ROT BENBENIG
717-355-0726