Newspaper Page Text
SUNDAY. DECEMBER 30.2012
(]o in m
Agents with the Forsyth County Extension Office
file a report each Sunday for "Community Living "
For more information, call them at (770) 887-2418.
Stick to monetary
resolutions for 2013
The new year is an
opportunity for do-overs,
fresh starts and new'
beginnings. Quitting a bad
habit, losing weight, get¬
ting more exercise, and
being smarter with money
are common resolutions.
The goal is to do better in
the coming year.
These popular resolu¬
tions ail involve day-to
day habits and routines
that develop gradually
over many years.
Changing overnight is a
tall order, and rarely pos¬
sible. By Groundhog
Day, most resolutions
have fallen by the way
side.
Why? Because people
tend to be too hard on
themselves. You fall off
the wagon one time,
decide you have failed,
and give up.
But people who stick
w ith it long enough to be
successful know that fail¬
ing is part of the process.
Persistence — trying
again after every failure
PARTICULAR
Super Crossword CATS
ACROSS
1 Served in
blazing
liquor
7 Wise saying
12 Little hit
15 Pea
protoctors
19 Ot direct
descent
20 True-blue
21 Lilting
melody
22 Region
23 Classic 1942
horror film,
in old Addis
Ababa 7
26 Lab
animals
27 Ovid's
“Lo!"
28 Salute
29 Nephew ol
Abel
30 Question to
someone
who's no1
responding,
in Isfahan?
37 Lasagna
cheese
38 P in Greece
39 Advice bits
40 School for
Prince
Harry
41 Reply to "No
you're not"
44 Born, in a
bridal bio
19 H I 21 22
23 24 25 26
128 2 '<
•v 31 32 S3 35 36
37 |38 [39
40 [41 42 43 [44
45 46 47 48 149 50 51 52 5: 54
55 [56 57 58 te9
i ■K 62 It. i"
64 65 M 67 68 69 'o
71 [72 73
74 75 [77 79 1 82
83 84 [85 86 87
Be §9 Bo Bi
92 93 94 95 96 B7 99 100
101 102 103 104
105 106 ,107
108 109 110 111 112 113 114 115 11
117 121 118 122 119 123 I 124 12b
© 2012 King Features Synd., Inc; All rights reserved.
U 3 3.1 s S d;T 3 A N 3 A 5 8 3 T
1 3 3 B 3 X N V I A V V N V SIN a i n 3
ST i VI 3 N i I NO I 1 V W O H 3 8
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van v t six n _ A 3 d 3 s s _
aoa w v eg ri’oj t t via I a 's 3 ~n i T via
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n~i|o|o[Niv[ H x i t a
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SI V H«3 T d 0 3 d N V I N I S S A 0 V
v'a'a'vBa'i dBd'v vBt v a’o o'vB tBt'v aVi t
s'o'o' XM3 S V 3 Q W V l L d
— is the key to success.
Walking for 30 minutes
does not make you thin
overnight. But small
changes to your daily rou¬
tines (i.e. walking for 30
minutes every day) make
a huge difference over the
course of a year.
Most Georgians never
learned about personal
finance in school. Perhaps
you graduated from the
sink-or-swim school of
money management. You
may have even come close
to drow ning before you
figured out how to swim.
If you w ant to fail at
keeping resolutions, focus
on what you have to give
up. Thinking about what
you are sacrificing all the
time practically guaran¬
tees an epic failure.
Banish this negativity
from your thoughts. To be
successful you need to
focus on the prize the
benefit you get from hav¬
ing money for important
goals such as paying for a
college education, getting
45 1965 Jane
Fonda
comedy, on
an
Indonesian
island?
50 Firearm¬
cleaning aid
55 Atlanta-to
Tampa dir
56 Fish hawk
57 Partner ot its
and ands
59 Singer Nyro
60 Costa —,
California
61 "La Cage
aux Folles"
role
63 Much-loved
64 Harry
Chapin hit.
or Mt
Everest?
71 Ellipsoidal
72 Ump's cry
73 Molecular bit
74 Rigatom,
eg
76 Bonkers
77 Italian port
80 Soft drink
83 Under one s
control
85 "Peace
Tram"
singer, in
Rangoon?
88 - step
further
90 Nothing
91 3/15, e g.
92 Asthma
spray, e g.
97 — -Magnon
man
98 Pooch pace
101 Tennessee
Williams
play, in old
Bangkok?
105 Lot division
106 Drive along
107 Socks
108 Switzer
land's
capital
109 Flogging
whip, in
Mogadishu?
117 Sooner
State city
118 Comic
Gasteyer
119 Concerning
birds
120 Old Toyota
model
121 More or —
122 Longing
123 Dogs' cries
124 Covered
with frozen
rain
DOWN
1 Tampa loc
2 Ad— (play
it by ear)
3 news?"
4 Month, in
Monterrey
5 Most sordid
6 Bring out
7 Noncitizen
8 — good job
9 Objectivist
writer Rand
10 Chasm
11 Mourner's
poem
12 Bind with a
bandage
13 Airplane part
14 Less ugly
15 Mom or dad
16 Navel, e.g.
17 Reroute
18 Is cheeky
with
24 Umv. sports
org
25 Genoa gold
30 Gyro wraps
31 School, in
Somme
32 Rice-A—
33 Loonlike bird
34 ''—, can you
see
35 Travail
36 NBAs Shaq
37 Soldiers In
gray
41 Sutlix with
law or saw
42 U S>. vice
president
Barkley
43 Get up onto
46 Caroling
song
47 Lamb writing
MICHELE MELTON
Columnist
‘Perhaps you
graduated from
the sink-or-swim
school of money
management.
You may have
even come close
to drowning
before you fig¬
ured out how to
e
swim.'
out of debt, buying a first
home, and saving for
retirement.
Here are a few tips to
help you manage your
money better in the com¬
ing year:
Know where your
money goes — Find out
how much money comes
in and exactly what you
do with it. Carry' a pad
with you for a month or
two. Record every pur-
48 Fixed, as a
d»'J
49 Orrin
Hatch's
state
51 Woman of
the house
52 Repented ot
53 Verbal
54 Take a risk
58 Is larcenous
60 Island off
Sicily
61 Slowing, on
a mus.
62 Four duos
64 Southwest
tribe
65 Tennis'
Lendl
66 Squoosh
67 Iraqi or
Saudi
68 Quite
a drag
69 Karamel —
(Ben &
Jerry's
flavor)
70 Wooer's
flower
75 It may be
acute or
right
77 United —
College
Fund
78 Take — at
(try.
79 Animal
companion
80 Pitcher
Marline;
81 “It's just —
those things”
82 Low-key
“Hey!"
B4 “Obey me!"
86 A great
deal
87 Head
Corteone
89 Sea — (reef
creature)
92 Actress
Sanlord
93 — Creed
94 Emmylou or
Franco
95 Alters
formally
96 Boss
98 Leader ot
the
Belmonts
99 First
phases
100 Hansel's sib
102 3 R s org
103 Pacify
104 Waters
‘ down
110 "— heard
enoughl"
111 Texas tea
112 40 winks
113 Live
114 Apply
frosting to
115 Authorize
to
116 Stealthy
7. f M * 7® EM& / fSf “
I / V.
F t W V
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■ / /
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For the Forsyth County News
chase. At the end of the
month, separate your
spending into no more
than a dozen categories
such as food, housing and
transportation.
Target eyebrow-rais¬
ing surprises for spend¬
ing cuts — If you’ve
never tracked your spend¬
ing, you will probably
find out you spend a lot
more than you thought for
something you do every
day. If it bothers you that
you spend so much for
whatever it may be, do
something about it.
Set realistic and specif¬
ic goals — A specific goal
includes the cost of the
goal and the date you plan
to reach it, such as plan¬
ning to save $600 by next
December for holiday
gifts. The goal is realistic
if you can afford to set
aside $50 each month. If
you cannot, adjust the
goal or increase your
income.
Develop a plan for
spending to meet goals
— Besides goals, your
spending plan needs to
include fixed, variable,
and occasional expenses.
Fixed expenses are the
A little son
make vouiy X.
Sign _______
Heallby options sproutin' •rn
(,«rtrv
e 1 ' ForsytJi'lwHfc I t
art i
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Sr
S3
rrtrrr I
up sr •,ur. ■nt: irSL.- mm Cl sur Busy ^ start L tom for 11 ■' ' >* ]t ‘ Hs
for rrsj S3£ 4 ST i F -■ iff - begins v hnoff °ting
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Forsyth County Vw
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same every month.
Variable expenses go up
or down each month.
Occasional expenses are
due less often than every
month. Some occasional
expenses, like birthdays
and annual insurance pre¬
miums, you know about.
Others, like medical bills,
arise unexpectedly.
Pay yourself first —
Saving whatever is left
usually means not saving
at all. Instead, put the
money you need to save
for goals and occasional
expenses in your savings
account before you spend
a penny for anything else.
Better yet, arrange for
an automatic deposit or
payroll deduction into
your savings account. If
you get a raise at work,
sign up for half of the
raise amount to go into a
savings account or a com¬
pany savings plan.
Eliminate debt Pay
attention to how much you
pay in monthly finance
charges on credit card and
other debt. Instead of pay¬
ing interest each month on
your debt, you could be
earning it on your savings.
Being on the lending
5C
side of that transaction is a
much better deal than
being on the borrowing
side. The money going to
debt payments each month
could be going to your
savings.
Focus on one expense
at a time — When mak¬
ing changes, it is easy to
go too far, too fast.
Commit to making a few
changes at a time to
reduce your spending for
a particular expense. Stick
with the changes until
they become second
nature. If you miss a day,
a few days, or even a
week do not give up.
These simple sugges¬
tions can help you do bet¬
ter with the money you
have. Some changes pay
off more rapidly than oth¬
ers. The sooner you start,
the more you stand to
gain.
Tips provided by
Michael Rupured, VGA
Extension Financial
Management Specialist
Michele Melton is the exten¬
sion’s family and consumer
sciences agent.