Family Living
Focus
by
Patricia L. Powley
Dauphin Co. Extention
Money 200 Encourages
Savings and Reducing Debt
You’re sinking in a sea of
credit card debt. Your paycheck
doesn’t last the month. Maybe
you’re wondering how to pay for
your kids’ college expenses or
worried about saving for retire
ment.
No matter what your finan
cial state, chances are you would
like to set aside some extra
money. Penn State Cooperative
Extension’s new Financial Life
Skills program can help.
Money 2000 is a personal
finance education program,
developed by Barbara O’Neill,
CFP, family and consumer sci
ences educator, Rutgers
Cooperative Extension,
designed to improve the finan
cial well-being of individuals
and families. Participants in
the program, learn to increase
savings or reduce debt.
Specifically, households are
encourage to save or reduce debt
by $2,000 by the end of the year
2000. Individuals or families
who wish to receive more infor
mation about Money 2000 may
contact their local county exten
sion office or call me at (717)921-
8803.
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FAX (215) 256-4363
The program is free to partic
ipants of all ages and income
levels. Those who request infor
mation early will have more
time to achieve their financial
goals.
Information will focus on the
primary building blocks of suc
cessful financial management.
The first step is identifying indi
vidual Money 2000 financial
goals. These goals can be saving
more money, reducing debt, or
both.
You are encouraged to use the
$2,000 figure, but may choose a
smaller or larger amount.
Specific goals for the extra
money may be a down payment
for a home, children’s education,
retirement, or reducing debt.
Next comes calculating how
much to set aside periodically to
achieve those goals. Then sav
ing money by lowering expenses
for items like food, clothing,
insurance, finance charges, and
taxes.
If you have added up what
you owe on all your credit cards
and nearly fainted... need and
want to save for a house, educa
tion, or retirement, but just can’t
seem to get started... feel that
all your money goes in your
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4-H Babysitting Course For
Teens At Five Locations
‘ This Winter
Do you wish you could
babysit? Or do you watch a
younger brother or sister after
school while your parents work?
If you answered yes to either
of these questions, then consider
taking the 4-H babysitting
course.
Your own parents and those
in your neighborhood, too, will
feel better leaving you alone
with others if you’ve taken a
babysitting training course.
The 4-H babysitting course is
designed to help prepare young
teens to babysit their siblings
and other youngsters safely and
to deal with emergencies that
may come up while babysitting.
The 4-H course will be offered
at five different locations in
Montgomery County this win
ter: at the 4-H Center in
Skippack, at Tabor United
Methodist Church in Woxall, at
the Upper Perkiomen Library in
Red Hill, at Pottstown Senior
High School, and at the
mouth or on your back
Money 2000 is for you!
The New Year is upon us and
this is a perfect opportunity to
get started on the right foot for
months and years to come.
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Montgomery Township
Municipal Building in
Montgomeryville.
Preregistration is necessary.
For courses at the 4-H
Center, Tabor Church and
Montgomery Township, call the
4-H Center at (610)489-4315. To
register for the Upper Perk
course, call the library at
(215)679-2020. For the
Pottstown course, call the Parks
and Recreation Department at
(610)970-6608.
The winter schedule is as fol
lows: 4-H Center: Thursdays,
Jan. 29 through March 5, from
6:30 p.m.-8:30 p.m.; Tabor
Church: Tuesdays, Jan. 6
through Feb. 3, from 6:30 p.m.-
8:15 p.m.; Upper Perkiomen
Library: Wednesdays, Feb. 4
through March 18 (skipping Ash
Wednesday), from 7 p.m.-8:30
p.m.; Pottstown SHS: Tuesdays,
Jan. 27 through March 3, from
6:30 : p.m.-8 p.m.; and
Montgomeryville: Thursdays,
Jan.’S through Feb. 5, from 6:45
p.m.-8:30 p.m. Please be sure to
allow an extra week for possible
snow days.
There is a $lO fee for the
babysitting course, payable at
the door. Scholarships are
always available with no ques
tions asked. All course materi
als will be provided by the 4-H
program and participants will
then
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become 4-H members as a result
of taking the course. The
Lansdale Kiwanis club cospon
sors the program as part of
Kiwanis International’s major
emphasis to help young children
from newborn to six years old.
The following topics will be
covered: babysitter’s responsi
bilities, child development and
appropriate toys for a child’s
age, feeding, diapering, infant
care, first aid and sitter safety.
Those who successfully complete
the course will receive a 4-H
completion certificate. In order
to successfully complete the
course, you must attend all ses
sions. Information presented in
each session is no less important
in one than in another. You
must also show maturity and
readiness to babysit. 4-H
believes that babysitting is seri
ous business.
All courses will also include
the American Heart Association
“Choke is No Joke” program,
which provides instruction on
the Heimlich maneuver and how
to prevent choking. The AHA
does not charge a fee for this
program. Certificates of
Achievement are awarded to
those who successfully complete
this important part of the 4-H
babysitting course.
Class size is limited for maxi
mum educational value. You
must be at least 11 years old
before the course begins to par
ticipate. For additional informa
tion, please call Helaine Brown,
4-H agent, at (610)489-4315,
8:30 a.m.-4:30 p.m., Monday
through Friday.
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