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
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’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
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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
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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
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With Stress
If your spending pattern shows you need help, OSU Exten
sion has many helps for financial planning
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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.
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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
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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
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Extension Newsletter - April IW R - page 3
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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
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Something For Everyone
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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
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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
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