84-Lancaster Farming, Saturday, September 20, 2003 Family Living Focus by Sandra Parker Hall Lebanon County Extension Pay Yourself First Pay-Yourself-First is a simple concept that paves the way for wealth accumulation or an up coming need you may have. It simply means that each time you receive money from a regular source (for example, a paycheck or an allowance) or unexpectedly (for instance gifts or tax refund), you save part of it. Overtime, the saved money will grow and be available for emergencies or for long-term goals. A long term goal could be buying a car or house, paying for college, taking a vaca tion, retiring, or purchasing ex pensive items such as electronic equipment. How much should you pay yourself each payday or allow ance period? This depends on >our goals and varies from per son to person. The amount saved should be realistic for your in come. Being consistent in your savings habit will be a key to your success, and is more impor tant than the amount you save. Mahoning Outdoor Furnaces Cut Heating Cost With An Outdoor Furnace ,/[n 'pn it yXeeAs! -Standard Models Burn Wood, Coal . Multi-Fuel Models Burn Wood, Coal, ■ Oil, Propane, Gas or Waste Oil “Adapts To All Existing Systems” www mahomngoutdoorfurnaces com ~Cki 'yintHtnt 800-692-5200 Dealerships Available m Some Arts . . _ _ Manufacturing Furnaces Since 1990 SEPTEMBER’S ADDITIONAL FEATURE MONTH SMORGASBORD BREAKFAST: Banana Walnut Coconut Pancakes, Made to Order at the Grill. New Beef Sausage Omelet Served at the Grill LUNCH: (Mon.-Fri.) 11:00 AM - 3:15 PM Smorgie Cheese Steaks Served At The Grill Mon. (4 p.m.-8 p.m.) T-Bone Steak in Addition to Our Reg Steaks Served. TUBS. Our Reg. Seafood Nite WED. Our Reg. Prime Rib Nite THURS.-FRI.-SAT. (4 P.M.-8 P.M.) Beef Steaks Served at the Grill SERVED LUNCH/DINNER, Mon.-Sat. (11 A.M.-8 P.M.) Broasted Chicken Wings w/Ranch or BBQ Dip, Lightly Seasoned Fries, Fresh Red Skinned Mashed Potatoes, Our Very Own Homemade Chow Chow & Cucumber Salad Carrot Cake w/Cream Cheese Frosting and Our Very Own Fresh Made Peach Danish Hours: Mon.-Sat. 5 A.M.-8 P.M. FAST FOOD DUTCHETTE (10) Grilled Shrimp on a Skewer with 2 Veggies $4.99 Hours: Mon.-Sat. 11 A.M.-8 P.M. Located on the Lower Level is Our Beautiful Gift Shop Filled with a Great Selection of Philadelphia Eagle Memorabilia, Fenton Art Glass, Bridgewater Candles, Willow Tree Angels, Wind Devas, Fall & Christmas Plush, Ashers Chocolates, Camille Beckman, Amish Made Oak Wood Furniture and Many More Items to Choose From Hours: Mon.-Sat. 8 A.M.-9 P.M. gaple^Smor Effortless Ways to Pay-Yourself First 1. If you receive a paycheck and your employer offers direct deposit, use it. Direct deposit means that your employer sends your earnings directly to your bank. On a monthly basis, have your bank draft a predetermined amount of money from your checking account to your pay yourself-first account. This money can be deposited into a bank savings account, money market account, or a mutual fund. Explore your options with a bank representative, certified fin ancial planner or someone you trust who understands money matters. 2. If you receive your income in cash or check, head for the bank the moment you get it! Make a deposit in your pay-your self-first account before you spend any money. 3. As your income increases, put the increases in your pay yourself-first account. For in DINNER GIFT SHOP Lancaster County’s u Largest u Smorgasboard " 129 Toddy Drive, East Earl, PA - Just East of Blue Ball Bewtween Rt 23 and Rt 322 717-354-8222 or 800-238-7363 Closed Sunday stance, if you get a $2O raise in your monthly income, put the extra $2O into your pay-yourself first account. The old cliches “you don’t miss what you never had” or “out of sight, out of mind” apply. If money is not available, you won’t spend it. If you are thinking “But I don’t have any money to pay-my self-first,” review your spending habits. Ask yourself, “What can I give up or change in my present habits to increase my savings?” Starting small and being consis tent will be beneficial over time. Pioneer Braid Quilt Class At Lebanon LEBANON (Lebanon Co.) For beginner or ex perienced quitters, Lebanon County extension has planned a two day workshop teaching an easy way to make a Pioneer Braid design. The classes will be conducted Tuesday, Oct. 7 and 14 from 9:30 a.m. -12 p.m., Lebanon Valley Ag Cen ter. The cost is $35. For more information, call(717) 270-4391. W GUTTER % CALL THE SPOUTING SPECIALISTS For • 5", 6" & 7" Seamless Gutters in 32 Colors • Half Round Gutters • Windows & Doors • Tubular Skylights 265 E. 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When you have money in an interest bearing account money it will grow faster. r JE7VSTJE7JVrC? ’S-J L. §ZUi*ou'rjnsrG —/ Call Today For A Free EsfjHhate PROPANE Help Children Develop Money Management Skills If you give your children an al lowance, insist that a portion of the allowance be designated for long-term savings or their pay yourself-first account. The youn ger the children are when you start teaching this concept, the easier it will be for them to accept and practice it later in life. When children are very young, the 3S method save some, spend some, and share some is often used by parents to help children understand the concept pay yourself-first. y / J CLOSED SUNDAYS, NEW YEAR, J EASTER MONDAY, ASCENSION DAY, WHIT MONDAY, OCT. 11, THANKSGIVING, mainm Christmas & December 2bth FISHER FURNITURE NEW AND USED FURNITURE Antique ft Collectables BUS. HRS. BOX 57 MON.-THURS. 8-5 1129 GEORGETOWN RD. 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