Family Living Focus Patricia L. Powley Dauphin Co. Extention 1 Saving For Holiday Spending You have just completed a holi day of “cheerful giving” and now the post-holiday “blues” are sct in because the credit state ments are now arriving and may continue to do so through March (remember those advertisements of “spend now and don’t worry about a payment until February or March”). It’s a common problem in a ma jority of households across Ameri ca, but it doeesn’t have to be. You can begin now, even when you’re trying to pay for the past holiday, to plan for next December. The first step is to look at the amount you have spent It that’s what you typically spend, then di vide the amount by 12 and do everything in your power to set aside that amount each month, through a Christmas Club at the You’re Invited To Our OPEN HOUSE TWO FULL WEEKS ABBOTTSTOWN JAN. 17 Thru Jan. 22 OPEN MON.THRU THURS. 8:00-5:00; FRI. 8:00-7:00; SAT. 8:00-1:00 ELIZABETHTOWN: Jan. 24 thru Jan. 29 OPEN MON..TUES. 7:30*5:00; WED. THRU FRI. 7:30-9:00; Top ExoOuUve JiJrn Pattori From Now Holland to Spook On Tho Case/New Holland Merger . . t-n*, AndHowlt Effects YdU! * ■ ‘ THURSDAY, JAN. 27 - 10:30 AH v „v ' ' A J CHECK THIS WEEK’S PAPER ■r TO SEE MESSICK’S insert for COMPLETE DETAILS & SPECIALS ELIZABETHTOWN ONLY: Bring Your Sprayer Tips In & -7 Have Tested For Accuracy x MESSICK'S SERVING TWO LOCATIONS ©sssas RD i ,B r^ s *- jjfc Abbottstown, PA 17301 717-367-1319 %9 717-259-6617 717-653-8867 HEWHOLLfIM) bank or through your own savings account DON’T TOUCH IT FOR ANYTHING ELSE! If you’re saying to yourself, “Right I don’t have the extra to set aside,” then it’s time to take a long look at what you are spending money on and try to “find money you didn’t know you had.” There may be things you’re doing that could be cut down or cut out The next step is to plan ahead for next year’s giving. The most expensive gifts are those that are purchased in a panic at the last minute. • Stick to a budget Spread it over a month and review it weekly for the first couple of months. The need to start a budget for the holi days is now. If we get taken up with the joy and excitement of the holidays and don’t stick to a bud get, we’re going to lose sight of SAT. 7:30-2:00 the fact that we need to have money set aside for necessities like shelter and food. • Keep a permanent gift ideas list—whenever you’re at a family gathering this year, search for gift ideas (Brother’s bathroom scale rusty? Sister’s favorite handbag showing wear?) • Stockpile gifts have a gift shelf of interesting crafts, free samples, bargains found at garage sales, pretty notepaper, leather wallets, small picture frames. Sooner or later you’ll find the right person to give them to. • Don’t insist on new gifts garage sale and attic treasurers can be a hit (antique dolls, old baseball cards). • Be creative throughout the year take some time to tape old al bums of someone’s favorite songs; look through photo albums for a “buried treasure”; frame some special snapshots; put to gether a small cosmetic bag filled with sample sizes of shampoo, conditioner, Band-Aids, aspirin, toothpaste, etc. for a frequent tra veler on your list; dry your own flowers and make arrangements; get children involved and make “hand-painted T-shirts and aprons using tempera paints. • Spend time instead of money throughout the year make some handmade gift certificates; an Cut Your Heating Costs With Our Outdoor Furnace • Standard Model Burns Wood, Coal or Wood by-products • Multi-Fuel Model Burns Wood, Coal, Oil or Gas Adapts to any existing heal system Installation & Accessones Asailablc EVERGAIN AEROBIC EXERCISER for Better Health, Fitness & Relaxation 5 minutes on this machine is equal to 20 minutes of Increases the o: Allans Thi If you have any of the following problems you should be using this machine. * Wake up tired, even after 8 hours of sleep. * Sleep restlessly, waking up frequently. * Lower back pain. ■* Suffer from chronic fatigue. * Frequently feel tense and on edge. * Nervousness, general pain and insomnia. * Suffer from allergies and sinus problems. * Have overweight problems. * Poor functioning of internal organs. * Poor digestion and constipation problems. * Susceptible to colds and flu. * Suffer from arthritis and bone spurs. 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At a family gathering or by sending an early holiday card, ex plain that you’ve decided to re duce your gift list this year so you ban contribute more to the home less (or another worthy charity). Then do it! walking CH3OS ien level in the blooi the I >ine To Relieve Back Pain, ies the energy level Product Lancaster Fanning, Saturday, January 15, 2000-815 Lancaster Fanning Classified Ads Now scaichablc on the Intel net ✓ Cheek Oul Oui Wch Site www.lancastcrfanniim.com hatic system Jim If you have fallen behind be cause of “holiday past,” it’s diffi cult to catch up again. You may be finding yourself in a situation where you have to pull money away from critical living expenses to pay for debts that you incurred over the holidays. This can be avoided by planning ahead. I hope that these suggestions, that you can put into place throughout the year, can help to ward planning for a holiday sea son next December that is truly joyful and the New Year is not "blue.” If you need further informa tion on “finding money you didn’t know you had” please send your name and address to Patricia Powley, 1451 Peters Mountain Road, Dauphin, PA 17018 or at the e-mail address, ppowley@psu.edu. Kdi Thu fokrt Truk cAT' \ Difrae Tracking Powder* ,* Kills Rats & Mice i 6 lb. Bucket '. g1p549.95 ■ + $6.00 Shipping ' Blafn Supply Rt 1 Box 117 H, Blain, PA 17006 717/536-3861 I Vermont Castings Wood Stoves, Gas Stoves and Fireplaces 1060 Division Highway 322 East Ephrata, PA 17522 1 Block East ol Rl. 222 (717) 733-4973 800-642-0310 Mon, lues. Wad 10 to 6; Thus, Fa 10 to 6; Sat 10 to 4
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