Family Living
Focus
by
Patricia L. Powley
Dauphin Co. Extention
Coping With Holiday Bills
It’s February and many indi
viduals and families are experi
encing the “holiday over-spending
syndrome” the realization of
happy holiday spending, with to
morrow's paycheck, has set in.
Tomorrow has arrived but the
paycheck has already been
promised!!
If you are experiencing finan
cial difficulties, contact your
creditors immediately and explain
why you are unable to pay. Most
creditors are willing to work with
you in developing a revised pay
ment schedule to fit your circum
stances. Don’t ignore your credi
tors. A number of things will hap
pen if you do.
The process of collecting debts
varies considerably from one
creditor to another. It will depend
Fax (717) 866-7237
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on the creditor’s policies and ac
counting procedures. Some credi
tors take action against late pay
ments if you are a few days late.
Others don’t send late notices un
til you are at least 30 days late.
If you get 60 days behind, you
generally will receive another re
quest for payment At the end of
60 days, some creditors will turn
the debt over to an attorney or col
lection agency to collect the late
payment. Some creditors will
have their own representatives
who collect debts. If a creditor
turns your account over to an at
torney, expect an additional cost
in attorney fees.
After a period, if the debt has
not been collected, you can expect
some type of court action by the
creditor. The creditor will file a
suit in small claims court, magis-
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(rate court or state court in an ef
fort to get the court to make you
pay your bill. The court’s decision
is called a judgment.
The creditor may already have
or can obtain the legal right to re
possess the property in question.
This means you lose the car, truck,
appliance, or other item for which
you borrowed the money.
Frequently, the creditor sells
the property for less than the
amount you still owe on it If the
item does not sell for enough
money to pay off the lien, the
creditor can file another suit for a
defiency judgment to make up the
difference between what was
owed and the sale price of the
item.
Don’t ignor the suit Contact an
attorney immediately. If you fail
to answer to the suit and fail to ap
pear in court, the creditor will win
the suit by default If you appear
in court, you possibly can work
out an acceptable plan with the
creditor. If you don’t appear in
court, you cant’ defend yourself
against the creditor’s claim.
Money Saving Ideas
For Future Spending
So you can avoid the credit
crunch in the future and, if your
family is considering an expense
cutting plan, you will want to look
at putting your personal and fami
ly resources where they will be
most effectively used. The main
resources we have to look at are
time, money, and talents. You
may want to make a list of the
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items you may need that no longer
fit into your new, “tighter” budget
Is there a way to allocate resources
more effectively so that the
needed items can be obtained?
Can you spend time making some
thing that you would ordinarily
pay someone else to do for you?
Can you use your talents to barter
with someone for an item that you
would ordinarily have to spend
money to get? Or is it more cost
effective to purchase something if
you have neither the time nor the
talent to obtain in any other way?
These are questions you should
consider carefully if you need to
make purchases that aren’t plan
ned in your budget
Attend
Gardener’s School
READING (Berks Co.) The
third annual Home Gardeners’
School will be held on Saturday,
March 7, at Penn State Berks-Lc
high Valley College (formerly
Berks Campus). The school is co
sponsored by Penn State Berks-
Lehigh Valley College, Penn State
Cooperative Extension - Berks
County, and Berks County Horti
culture Club.
The full day of classes will be on
edible landscaping, how to start
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Here are some more things you
can do to keep your spending
plans running smoothly;
* Choose a chief money man
ager.
• Develop a system for bill pay
ing.
• Develop a system for handling
money.
• Manage your credit wisely.
• Be flexible.’
• Make financial planning a
family matter.
You can be on your way to a
bright financial future and happier
holidays next year with “planned
spending.”
Home
your own business, horticultural
practices, water gardening, and
much more.
Registration fee is $4O; work
shops on pressed flowers and or
chids have an additional fee.
Check-in will be from g a.m. to
8:45 a.m. at the Student Union
Building at Penn State Beiks-Le
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3:45 p.m.
For more information, call (610)
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Managing Your
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■ Develop a record keeping sys
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