Image provided by: Morrow County Museum; Heppner, OR
About Heppner gazette-times. (Heppner, Or.) 1925-current | View Entire Issue (April 6, 1988)
ON! Financial Checklist Identifies Problems If your financ ial situation makes you le'el uneasy you are not alone, Changing incom e patterns doesn't ne< essanly mean disaster. A ftnan< ial checkup w ill reveal if there are p o te n tia l pro ble m s. Read each statement Check "Yes" or "N o ". ____ 1) You tend to be late in paying bills; you shut tle " them around, paving some < reditors this month and others the next. 2) You take out a loan to pay oft old ones, thereby extending the payment tint«* 3) You're spending more than 20 percent of your take-home [>ay to (xavotf debts (ext lotting m or tgage payment) 4) You have no reserve tash or liqu id assets to meet emergent ies. 5) You depend heavily on extra income bonuses, overtime, m oo nligh ting -to get you over the rough spots. _ 6 ) You find it harrier and harder to save Your [Mssbook shtjws more withdr.iwals than deposits; you cash in savings I roo ds long before they mature. 7) You don't have enough reserve to tide you over a major upset like a (>av tu t Yflu aren't prepared to replace big items like household equipment. 8) You use credit to pun base things like clothing that you should have antu ip.ited the need for and that you previously bought w ith tash 9) Bills once paid prom ptly are now shuttled to the frottom of the pile . You wait a longer and longer tim e It» pay them 10) You rob Peter to pay Paul. For example, you d ip into funds accumulated for insurance premiums to pay the water bill. 11) You can't figure out where your money goes You don't 1 relieve you spent it foolishly, but there is not m u th to sheav for all your outlay 12) You have lost tratk of what your debts add up to. You have It) sc n >unge up money to make m onthly payments, and fietause you use a lot of t redit, the Ira I a nee erwed don't seem to dec rease much. 13) You fray only the m inim um amount due each month on your charge accounts, you have ac counts all over ttxvn 14) If your ch etkin g a tto u n t has an overdraft loan feature, ytru use it frequently 15) Some trf your t reditors have started sending you reminders alxrut overdue payments 1b) Ytru w rite t he< ks, but have ntrt d eve lo p'd a system to shtwv the correct balance 17) You don't discuss money w ith ycrur family, Iretause ytru teel unt omtortable or are alraid it w ill cause an arguement ____ 18) Your financial situation makes you teel depressed. 19) You've had to borrow money from your (Virents or other t Itrse relatives just to meet bastt livin g expenses 20) You're at the m axim um lim it on ytrur bank credit cards. A new bulletin "Financial Planning, Family (axils ' by For women, sometimes the appropriate dress tor the office Alice M ills-M orm w , Extension family economics specialist Iccls tortuously uuppn>prijii- lor the weather, xjyx Ardix Kocstcr. and SFreila Fit/gerald Kretn, Portland family economist is OSl I y lent ion Textiles and Clothing Specialist available w ithout charge So, so do sou dress tor the office or Jrcss for your comfort'' Other of the linant ial series are "F inant tally Planners Do 3nu tan do hoth. kocstcr says Keep your cool without wearing You Ne'e-el ( )ne>" FC1 225 "Financ ial Planning Inc ome f x inappropriate attire [reuse Statement EC 1229 and Financial Planning How to Here are some suggestions to help you crxily remain among Prepare a New Net W orth Statement" E( 1210 ( oxt * 111 the tastefully dressed eat h) Let a dress take the plaie of a suit A ll hut the most conser vative otfk.es w ill accept dresses with sleeves to the clhow Dresses should not he snug fitting or resealing Avoid a look that x too casual l.»x>k lor dresses that are stylish and have sleeves (iood tahris patterns arc those wiih small dots, alripes. or checks Substitute a collarless or sleeveless blouse uixfer a |.n ket You van go as hare as a tjn k top hut not a camisole il you have a i . k ket to cover it in the oltice Sleeveless tops should not xug gest sexiness or he tight Select a crisp tahne. ink one that clings Think ah>ut air flow and fiber when selecting clothes Loose shapes keep air moving between vou and your clothes It the garment is tilted, make sure the lahric is as cool and comtor table as possible Cotton, linen, rayon, and silk are the ctxilcxi libers (heck percentages in blends I Tie more natural liber, the cooler the garment w ill he Choose dark colored fabrics tor a professional look without sweltering Colors such as a black, brown, navy blue, or gray add a prolcssionjl look to light weight lahric s For a cool, crisp look ctxxssc a white garment to he one piece of an ensemble D o n ’t m .ikr the mistake eg contusing ban* w ith cool ( amisoles. d ro p v twskx. sundresses and low armholc*s may In' to o l but they are* loo revealing lor work The same ap Ruth Harmalink (right), OSU Extension Family life specialist plies lor wearing short, slit, or wrap skirts that show a lot of lakes her program to a camp setting as she discusses stress leg on youth today _____, f ' z-vk*V I /T * * ~ r .♦ r - i..' 4V t ; > v * V * ' -V-.. • • '. t ” . * *r ■* « rv ; * V*' '- . V • / 4 1 ’tro u g h their bodies W hen in this situation, try to get teens to talk to someone fFrey trust and share what bothers them, Harm elink suggests Listening to music and relaxing helps, as does physital ex ert ise le t teens do something they enjoy that w ill take their minds o ff the- problem Sometimes teens can talk to friends or the parents of friends Others talk w ith a coat h or an em ployer If someone c omes to you to talk, get them to lay out the problem and discover ways to solve it « I * >• „ • f. . „ ♦ _ ' « /A - .? - W ithdraw al also ta n Ire destructive It's normal ferr [retr- ple to want ter Ire alcme when they are hurl em otionally But. if they continue their w ithdraw al for a Itrng time* they're keeping themselves from what tfrey need most - understan ding, support, and help from others "W he n under stress, teens may com plain of a churning sltrmac h or a headat h e," Harm elink says "Fear c r«>eps -3 0 t ;vv Whether you're the parent of a teenager, a volunteer leader tor a grerup o f teens err an em ployer trf teens, you're going to encounter teens trying to handle stress He prepared to help them. Ytru may nert think teenagers face m u th stress, but they have stressful situatums too, notes Ruth Harm elink. Oregon State U niversity Extension Family lit* ' Sjw'tialixl Failing a test, having a tight w ith a friend, or being "p u t d o w n " ta n seem like the end trf tfre w orld to a teenager In additicm, teens haven't hatl muc h tim e to learn to deal w ith stressful situations Harm elink went on, it takes tim e to learn to Ire a good stress manager. Teens, like everyone else, reat t ter stress in three ways, they get angry, w ithdraw , or take charge It tliey get angry or aggressive, they get your attention But that usually t a uses more stress in the lerng run D rinking too much, d rivin g recklessly, or breaking things doesn t strive problems, it cmly creates more stress Do what ytru c an to discourage this reaction *# * ‘ 1 x • 1 With Stress If your spending pattern shows you need help, OSU Exten sion has many helps for financial planning rr * • • <'* Help Teens Live If you have fewer than five "yes" resptmses, ytxi don't display entrugh symptoms for a diagnosis o f either spenditis or amnesia. 4* ». . V Office Clothes: keeping Them Cool it* Ytru definatly need a financial fitness program You must become aware of htrw your mcmey is actually being spent You shctuld try a tracking method This medit me may be a bitter p ill to swallow, but it w ill help ytru to determine where your mtmey goes. You can then dec ide if you are satisfied w ith the spending pattern your trac king reveals s '■ '«T • 1 .'S x ■ & ;. Scoring Count the number trf rexptmses marked "yes". Five or more "Y e s " responses indicate tw o ptrssible dtagntrves; 1) You have "x>enditis!!-you are overspending, but ytru don't kn ow in what areas. 2) Ytru have "a m ne sia "-ytru d o n 't remember where ytrur mtmey gtres-ytru |ust know there's never enough v *. - Extension Newsletter - April IW R - page 3 . y .: *- Morrow/Umatilla co-ordinators for two county food fair. Cindy Osterl und. lone Dawn Hawkins. Extension Aqent at F*endleton and Lila Sewell of Pendleton review plans tor April 9 event .1 rV > ft'4! Something For Everyone J l* » . It s A "FtOMEMAkFRS F (X )D FAIR Sat . April 9th, 9 10 am to I (K) pm-Thompson Hall Herm ixion Fairgrounds Door /Vi .v i Hooih* Demon*! miniti* Reap. e* * Home U n t il Auunru D o p im i FEAT l RII» SPI (K IK s A ! n m i )NSTRATI< is v III 15 IH I I M l AM RES UP , . I . r I IIIIM il 11 10-EXTENSION HOMEMAKER AWARDS PR<X,RAM 12 15VF( <F TABI F ( ( X )KF RY.Melrn r nmn* OSU lx* A*mt 1 iO-HFFF MEASURES UPttianr Hrynr I Wxim Ik n ( nurx il 2 45-Door P r i/r Drawing l.um h m oiloblr. Soup A tlom enuule Rremt h \ Sonili j f i n kburner Borgs display*, sample's door prizes by Hom e Based Businesses of the area All Day Special Demonstration Area Featunnf AH Foods Demonstrations ADMISSION *1.00 (at dorgl Sponsored Fry MorreWVJmatilla County Extension Groups .# ' ♦* • • « • t 7 '*■ _
