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.
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LUNCH: (Mon.-Fri.) 11:00 AM - 3:15 PM Smorgie Cheese Steaks Served
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Mon. (4 p.m.-8 p.m.) T-Bone Steak in Addition to Our Reg Steaks Served.
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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
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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.
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LEBANON (Lebanon Co.) For beginner or ex
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make a Pioneer Braid design.
The classes will be conducted Tuesday, Oct. 7 and
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ter. The cost is $35. For more information, call(717)
270-4391.
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If you save $5 a month (which
could be the cost of one meal at a
fast food restaurant, one video
rental, or 12 pack can of soda)
you will accumulate $6O in one
year, $3OO in five years, and $6OO
in 10 years.
If you save $lO a month (the
cost of a pizza, or movie matinee
with popcorn) you will accumu
late $l2O in one year; $6OO in 5
years, and $1,200 in 10 years.
The above figures do not include
interest but just show consistent
savings. When you have money
in an interest bearing account
money it will grow faster.
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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.
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