ISSUE 4 FEBRUARY 2005 PRICE $5.00
INSIDE THIS EDITION _________________________
THE MONTH OF LOVE
Don't Wipe Out Your BankAccount For Love! _________________________
ASKING THE TOUGH QUESTIONS
What You Need to Know
From Your Loved Ones
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BUDGET BOOSTERS
JOIN OUR
PENNY PINCHERS CLUB _________________________
IT'S COMING-TAX TIME
Get Prepared Now!

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WAGE GARNISHMENT_

Why? What? HOW MUCH! _________________________ QUESTIONS & ANSWERS
Frequently Asked Questions
& The Answers

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TINY TIKES & TEENS

Teaching Kids About Money

Reprinted with permission of
Pioneer Credit Counseling,
The Pioneer Pilot, February 2005

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Cupid has shot his arrow and it has struck your heart. He’s a sneaky little guy so be careful he doesn’t strike your wallet as well! We are constantly bombarded with the notion that spending money is how we show affection. The bigger the ring the more love you have for her. More love, not likely, but maybe a substantially smaller or non-existent savings account! If your love needs the things money can buy, maybe you should think about what kind of love it is?

There are so many ways we can show our affection without cleaning out our bank accounts. Inexpensive cards, the $1 or less kind, or even a handwritten note certainly doesn’t cost much. To make your loved one breakfast in bed is just an investment in your time. You could have fun with a box of children’s valentines, they are very inexpensive. You could fill one out each day of the week and hide them someplace where your “love” will find them.

Valentine’s Day is on a Monday this year so you may want to take your Valentine on a long weekend getaway. If so, plan ahead and look for the best bargain you can find. Perhaps, just spending the day at home together could be the ticket you’ve been looking for.

If your favorite Valentine is your child, there are plenty of ways to show your love without spending lots of money. Kids enjoy receiveing small gifts and tokens of love from parents anytime. You could give them a small craft as a gift to occupy them for a good part of the evening.

Kids also love to get candy for this holiday. You don’t have to give them the huge, expensive assortment of candy. They will be perfectly happy with a smaller amount in an ordinary wrapper. Most likely, they will have the wrapper off and the candy in their mouths before you can get a hug!

Spend some extra time with your children. It’s a wonderful way to celebrate any holiday. Together you could make some heart shaped cookies or a cake. You could then deliver the treats together.

If you have found your “true love” and you are ready to take that big step and get engaged, don’t think for a moment that you have to follow some rule that says you have to spend a certain amount of your monthly income on a ring.” It’s just not true! You know your budget. Shop around and do your homework. If your buying a diamond, make sure the seller is reputable. Shop around for the best price on the same cut, clarity, color, and carat (the 4 C’s). And above all, don’t let any salesperson talk you into something you cannot afford! Be wise with your money. You can show and tell her how much you care, and how you want a secure relationship, both emotionally and financially.

Remember,
Hugs and Kisses are FREE!

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