Chocolate And Cappuccino: Gifts To ‘Jar’ The Senses (NAPS) Foi many people, nothing warms up a cold winter day like a mug of hot chocolate or a steaming cup of cappuccino. Now it's possible to package that feeling for a delectable holiday gift. All it takes is a jar, a little decoration and a little imagina tion. Just add water. The gift of a dry mix wheth er it’s for rich, creamy Hot Choc olate or for an aromatic Cappuc cino can be a delicious way to give a taste of the holiday spirit to the hard-to-shop-for people on your list. Recipe jars like these can also be given for other events, such as housewarming and tree trimming parties. These two recipes offer the natural sweetness of Domino Sugar, for a fresh flavor each COLUMBUS, Ohio If you’re one of the millions of consumers who still need to get their holiday shopping completed, watch out not for determined shoppers with sharp elbows, but for spending more than you bargained for. “With the uncertainty in the job market in the year ahead, it’s probably best to be generally cau tious” about getting into too much debt, said Sharon Seiling, family resource management spe cialist for Ohio State University Extension and associate professor of consumer and textile sciences in the College of human ecology. She said there could be a tempta tion to buy it now because “it’s on sale,” which may over-burden the charge accounts. “Even if you nnniinnnnnnnnnnnnnnnfiri 2002 Christmas Collectible.arc herd SCALE • Skid Loaders • Tractors • Implements • Trucks • Trailers ♦SPECIAL LIMITED EDITION TRACTORS* PEDAL TRACTORS Qvrt TOYS nnnnnnnrrnnn Dry mixes, packaged in decorative jars, can make for lovely, practical holiday gifts to warm the heart and soul. time a cup is brewed. After layer ing the dry ingredients, add a personal touch by selecting color Beware Of Last Minute Holiday Purchases get something on sale, if it takes you three or four months to pay it off, then it might be more ex pensive than if it hadn’t been on sale and you were able to pay cash.” The consequences of racking up too much debt can be serious. In fact, the administrative office of the U.S. Courts announced in August that new bankruptcies filed during the second quarter of 2002 and for the previous 12 months set all-time records. Fil ings for the three-month period ending in June were the highest single quarter in history. “This season, it would help if you make a spending plan and • tick to it,” Seiling said. “Don’t Susquehanna Glass -002 C'hiistm.is Ball Otnamuil SUSIO6XDS 1/2 Gallon Cookn. J n w/C hnslmas Slliil SI'SOOO/DS «-» (.lass ( ollu. Mug w/C hii sim is Slliu v ( 1.2 u/ Imli\ i SLSdlOOns ' ! Milk Tumhki \\/( hnslmas Sluk {t < " N (0 o/ Si I 4) SloiajK. Jai u/Hliii I id i. C hiistmas Su.ik C ohall lie lea Glass \\/C in isi mas SiCiic (14 o/ Set 4) 2002 Crvstal Bill u/Tiaeloi &. C In istmas Steiie ful fabric, ribbon or trinkets and attaching a recipe card. Other ways to make a gift jar let the holidays become a finan cial burden.” She offered some guidance to keep on budget during the holi days: Keep track of your spend ing, especially any purchases you put on credit. You don't want to be surprised after the holidays with a huge unanticipated bill. Take along a small notebook to record purchases and keep all re ceipts in an envelope. Make a list of what you want to buy, and don’t stray from it. What seems like a bargain today could easily become fodder for tomorrow’s garage sale, where you sell it at a substantial loss. Talk to relatives now about SUSXVMDS ' SI'SSOISDS susxwns LANCASTER TRACTOR & EQUIPMENT, INC. 1655 Rohrerstown Road • Route 741 Just off Route 283 Lancaster, PA Phone 717-569-7063 i\ewhollai\d For Service that does not stop at a Sales Promise nnnnfinnfififinnn unique include pairing the mix with homemade holiday biscotti or cookies. Or add some zip to the mix itself with chocolate chips, mini marshmallows or cin namon sticks For additional baking tips and tricks or to access a database of over 675 other recipes, visit www.dominosugar.com. Layer all ingredients in a jar to give. To reconstitute, mix all in- spending limits on gifts or draw ing names instead of buying for everyone. “Take the opportunity to talk about holiday spending on gifts, entertainment and travel, to make sure everyone feels com fortable about what they’re giv ing and how they’re celebrating On the flip side, don’t pies sure other family members to spend more than they comfort ably can. “That pressure can be subtle,” Seiling said. Family members who refuse to abide by previously agreed-upon spending limits or who discourage drawing names could shame others into spending more than they can af ford. f\ rr f\ n I u It Lancaster Farming Saturday, December 21 2002-B9 Cappuccino mix In A Jar Makes 3 cups dry mix 1 cup instant coffee creamer 1 cup instant chocolate drink mix -A cup instant coffee crystals '/: cup granulated sugar '/: teaspoon ground cinnamon 'A teaspoon ground nutmeg i 'iaH r JEnsrsEJsrirz ts 7 L r’ouT'iiwG —f jo i all \om \poutiin> /// I ’J < .'lots 2b5 I' Mi ,uio\\ \ allt \ Nd I 'lll/ I" 1 / r )l ) 717-733-7160 • 717-627-6886 sa »jwc gradients thoroughly. To prepare a single serving, add 3 table spoons mix to 6 ounces hot water and stir well. Store in an airtight container. Hot Chocolate Mix In A Jar Makes VA cups dry mix VA cups nonfat dry milk pow der A cup unsweetened cocoa powder '/’ cup firmly packed brownu lated sugar 'A cup granulated sugar Layer ingredients in jar to give, seal tightly. To reconstitute mix ingredients well. For a single serving, add 8 ounces freshly boiled water to '/: cup mix in heatproof mug. Stir until com pletely dissolved. This is also a good time to talk with children about the true meaning of the holidays and about reasonable expectations for gifts. Selling said. Too often, par ents feel uncomfortable about that kind of conversation, but it's one that’s vital to keep children and teens awaie of real-world ex penses and priorities. This is also a good time to start planning for next year's holiday spending, Selling said. Consum ers who keep good track of their spending now can form a plan to save enough money each month in 2003 to be able to pay cash for purchases next year. 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