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Show man c-o Page 8 Nephi. Utah gimrgyrUi CTIjf 1 G&flGraagni Me UNIVERSITY Extension Educator Many gardeners are ing gardening Message From Margie making purchases. Will eva credit eryone pay ca.ih, card, or check or debit card? IF you are going to pay ca.--h for your purchases, then leave Do you ever dread holiday the credit cards, check book and debit cards at home when time because of the over-debt of burden you you go shopping so you will helming celnot be tempted to overspend. always have when the feel Do If you use a debit card or over? i ebration you when you think of check, make sure the amount depres.-e- d how you are going to pay for is subtracted from your balall the items you would like ance so you dont overdraw on the holiday. d to purchase and the activities or of any purchastrack involved tie like to Keep you would es made with a credit card. in? Did you know that I'se an envelope. List the of adults have indicated amount available for the total than more much they spent Rifts on holiday spending on the back. holiday they planned $100-$50each When purchase is made, with most spending more than was planned. put the receipt in the envePreparing now for holiday lope and subtract the amount time can lessen the financial from the total budgeted. Once burden, as well as the stress you have reached your limit, leave the credit card home. later on. USU If other family members are Albertson. Marilyn Kxtension Agent in Salt Lake making purchases, make County suggests that ideally, sure that their receipts are you should plan for holiday accounted for against the total budgeted. Insure you spending, starting in Januha-adequate money in your ary. Decide at that time need will to cover the credit account think you you card purchase. Record and for holiday spending throughout the year and start saving subtract the amount spent something every month. If on your credit card in your you have not done that, you check register just as if it should start early but for were a check. Then you will sure no later than October or know when you are out of November for any December money. When the bill comes, you know there is money in holidays. Set a goal to buy only what the account to cover it. If you choose the conveyou have money to pay for in cash now. I 'sing the cash nience of a credit card for method for purchases will purchases, use only one for help you avoid the fees and holiday purchases and make interest payments for months sure it is free of any balances on it. You dont want to after the event. lie creative, flexible and on the total amount to time on the Holiday simplify. billing statement, try should be a time to enjoy. It when you planned to pay off can be a time to build family your holiday purchases at the end of the month. Me careful if ties, reemphasize family traditions. encourage knowledge your credit card company ofof family heritage, provide fers to let you skip payments service to others, renew old for a month or two. The inacquaintances, etc. Interview-famil- terest will not be waived and members to see what will continue to accumulate. they would like to see hapPay the bill when it arrives. pen and gather their ideas Paying a reduced minimum for making it happen on your payment is also dangerous budget. Once the purpose is because it keeps you tied to defined, then make sure your the debt longer and forces plan includes inexpensive you to pay more in interest activities to accomplish the for those purchases. Plan your purchases ahead. purpose. Make a written plan based Check ads; look around at the on the amount of money availstores before making the able. Include all anticipated purchase so you know what expenses such as gifts, phone a good price is for the item. calls, decorations, travel, Collect ideas lists from fammeals, clothing, activities, ily members with their andonations and how much you ticipated costs and have them can afford for each category. prioritize the most important Just remember, if you dont item desired. Then you can have the money, don't plan decide where to spend the on making the purchase. money you have budgeted. Write out a spending plan. If you find something much Set a spending limit on gifts cheaper than anticipated, for each person. Consider dont buy something else to drawing names rather than make up the difference. Just giving gifts to every person. keep the savings for other Look for bargains early and needs. consider cutting back on what Finally, start planning for next year. Save some funds so you usually spend. Try giving a family gift (Limit cost) that you can be prepared for rather than a gift for each sales. It is a child. It could be a game or great time to pick up toys, gift ingredients for a fun treat items, decorations, wrapping they can make together. paper, party items and even Cut down expenses when some gifts at very reduced entertaining. Have a potluck prices. Start buying supplies dinner or just serve treats at for goodies and other items a family party rather than early in the year when they a full course meal. Maybe go on sale then you dont have invite every family to bring to go over your budget right their favorite treat and then before the holidays to stock make mixed trays of goodies up. Dont forget to create a for each family to take home. monthly savings plan for the If you really want to decorate 2004 holiday time. Happy holidifferently than last year, but planning for a debt-frenew decorations dont fit in day season! your budget, try trading decorations with a family member or friend. Then everyone has a new look but without any additional expense. Establish the rules for u-- e over.-pen- one-thir- d 0 how-muc- after-Christma- s Today! REDUCED. Bungalow 2 baths, needs 12 3 bed, 2 some $209,900. NEPHI 3 bed. NEPHI -- 1 $89,000 34 bath home on 13 acre lot. Lg. carport. Great buy. $104,900 NEPHI - Colonial home on 1 ac. lot do. -- al-- o that pring. Remember have hovels to be harp dont Some may onder if they missed the chance to plant enough to shave with, only bulbs tossed into a corner of harp enough to easily cut through the soil." the garage, said Jerry Once tools are clean and I'tah State University Extension horticulturist. Or. harp, spray or wipe metal maybe bulbs on sale at the parts with lubricating oil to nursery look enticing, but protect them from ru- -t and gardeners wonder if it's too corrosion. Lubricating oil can late now to buy and plant al-- o be used on pruning tools and other equipment. Woodthem. The answer is. its still en handles can be sanded and wiped, he said. okay to plant," said w -- Good-spee- tured home. Very nice. $125,000. NEPH1 14 ACRE LOT Great price. $16,000. NEPHI 5 bedroom 2 bath. Hardwood W. $225,000. 4 plex in good area. $495 to $700 rents. Low vacancy rate. NEPHI. 2 yrs new. 3 be, 2 Bth, custom tile, jetted tub, full walkout basement. .65 NEPHI ac. $179,900. Animal rights. NEPHI Two Jack's Pizza is waiting for you. A great investment with immediated turn-ke- y $129,000 operation. Seller's motivated. a fresh-cu- t -- Christmas Tree? . tu.su er by: Michael Kuhn, Utah State Unit ersity Extension Forestry Sjecialist Good-fpee- If bulbs are still available at a nursery or garden center, don't hesitate to take them home and plant them. Bulbs can be planted until the ground freezes, he said. Get them in now so they can add welcome color to the landscape next spring. As long as the soil is still workable, its not too late. In fact, one gardener planted about two hundred bulbs he received for Christmas one year, Goodspeed recalled. He had to shovel nearly a foot of snow off the flower bed to get to the soil, but he managed. His neighbors worried about his sanity, but when spring arrived, he had the nicest flower bed in the city." Another activity that many forget is to properly prepare tools for winter storage, he said. If gardeners hope their tools are still around after the tulips have bloomed, it is important to act now to take care of them. Scrape the mud and smashed zucchini off with a wire brush. After the tool is clean, wipe it with a wet rag until the lawn mower can been seen in its reflection, then let it dry. Now is also a good time to sharpen tools for next spring, Goodspeed said. Sharpening can be done with a file at the work bench. A sharp shoxel cuts through clay soils and eggplant roots much better A Garden hoses also need to be put away. Never leave them outside attached to a -- pigot. Be sure to drain all the water before winding them up, Good-pee- d noted. Clean grass and debris from the lawn mower. If it suggestions on where to obtain freshly cut, Christmas trees. Land management agencies. Christmas tree permits (for both individual tree buyers and commercial cutters) are sometimes available from L'tah-grow- needs to be tuned up. repaired or have the blade sharpened, do it now, he suggested. There is no rush in the fall, but next pring it could take weeks to get tuned up if there is a lineup of mowers waiting for repairs. And dont forget the sprinkler system, said It may need maintenance before the first really hard freeze hits. When water freezes. it expands causing pipes and valves to break. This, in turn, causes what is known as Aggravating Muddy Early Spring Sprinklers, or A MESS for short. If possible, blow out the lines with air pressure. Leave manual drains open along with valves for a time so moisture can drain and evaporate. It is also a good idea to leave spigots about half way open so they can drain, but be sure to close them before the water - turned on in the spring. If this last step is forgotten, it can cause another headache known as flooding and cussing. On the bright side, though, the shovel will be clean and sharp to take care of the mess, he concluded. -- Good-pee- Christmas fresh-cu- t tree can delight the holiday senses. However, most live Christmas trees in Utah are not grown here. They are usually brought in from other states. The following are n Utahs land management agencies. Call your local agency office for information. Agencies that sometimes have trees available are the USDA Forest Service at http:www.fs.fed. us (click on By State" box and enter Utah to get Utah National Forest information); Bureau of Land Manage- d. ment at http:www.ut.blm. gov (click on Directory for a listing of field offices); and the L'tah Division of Forestry, Fire and State Lands at http:www.ffsl.utah.gov (click on About Us for a list of area offices) Tree lots. Occasionally you may find tree lots that sell t trees harvested live from Utahs forests. These can be excellent places to get a fresh tree. Tree species you are likely to find on these pre-cu- lots include pinyon pine, subalpine fir, Douglas-fi- r and lodgepole pine. Choose-and-cu- t trees. Utah has relatively few nesses busi- that sell locally grown Christmas trees. Visit http: This cut section can be hung with a ribbon and made into an ornament by marking the rings with significant years in your familys history. Most sections will have seven to 10 growth rings. The tree should be placed in a sturdy stand that holds at least one gallon of water. A fresh tree can lose this much or more water a day. Place the tree away from heaters, furnace vents, televisions and other heat sources. Lights on the tree should be UL approved and protected by an inline fuse. Small pinpoint lights work well because they stay cool. Don't be sentimental about old Christmas tree lights. Old lights with cracked insulation or loose sockets should be discarded. Turn lights off w hen the tree is unattended. Flammable decorations should not be used on a Christmas tree with electric lights. Candles should never be used to light a Christmas tree or wreath. A fresh tree that is wa- tered daily can stay moist and safe for several weeks. If a tree is displayed in a public building, it should be kept no longer than 15 days and should be treated with a fire retardant solution. Christmas trees can be useful even after they are taken down. Trees can be yard to add placed greenery and act as a bird haven until spring. They can in-th- e also be used for firewood or chopped and used as mulch. Many communities have programs to gather trees to be chipped as mulch or used for other purposes after the lolidavs. extension.usu.eduforestry to see several Utah listings. Once youve selected the perfect tree and brought it home, consider these tips for care. Subscribe Today! ond CoJnu Home Mortgage THANKSGIVING PROJECT Youth and Families with Promise shared family traditions and a holiday meal for their November Family Night Out. There was plenty of fun and food for everyone attending. The Mentors enjoyed spending time with their youth and the youths family. Cjf551C With Christmas around the corner money is tight. Now is the perfect time to refinance. You can consolidate your debt and pay off your high interest credit cards and loans or just get some cash to help with Christmas shopping. We can finance up to 125 of the value of your home. Call us today for more information. CKJT5 61 South Main, Nephi. 5 Call 623-451- Is offering a new stylist Ashiee Dudley Carre- Cropper - Walk-In- s 660-097- 4 (435) Welcome Abby Ivory (435)623-- 1 992 Fill out an application before Christmas for $200 off of closing costs. Tuesday thru Friday Specializing in cuts, color and nails! w 36x25 gar. 14 ac. lot. 4 Bd, 2 Bth. 2 cr. gar., manufac- owner agent. $205,000. 12 acre. 3 bd, 2 12 bth., tile floors, 3,500 s.f. 3 cr. gar. All Brick. See at 838 S 200 tips on buying and caring for -- -- a thin section from and place the end butt the tree in a pail of water until you are ready to decorate it. Keep the tree outside and away from sun and wind so it does not become dry. When you are ready to bring the tree in, cut the butt end again if it has been stored more than three or four days. Re-c- Do you have 1 12 bath, new siding, windows, cabinets. $105,900. SANTAQUIN Main Street. Nice 2 or 3 bed hm. MONA- - New. sharpening doesn't take long, bath. Beauty Shop. w'animal rights. Great neighbor hood. 4 bd. 2 bth. 154 S 200 W. Call LaDaun - have n Brand new, Nebo Heights. NEPHI style with 4 bedrooms, TLC. 196 S 100 E. taks and then gardeners dont have to dread doing it next Subscribe E m UNIVERSITY than a dull one. Besides, hop- ended for the year. Unfortunately, there is still work to e NEPHI-PRIC- limaQgo earioraacia Fall gardening activities are not over (MIDcDH By Margie Break Holiday Credit Card Debt December 1, 2004 LEVAN floors, large carport. $105,900. Subject to short sale. LEVAN 2 bedrooms, 1 bath, new addition being built. Newer kitchen, tile in kitchen and bath. Large 12 acre lot. $108,000. 2 ACRE LOT IN LEVAN. West. $35,000. HUNTER MEADOWS 1 75 North 200 Many floor plans to choose from. Homes starting at $1 30,000. 2, 3 and 4 bedroom. Come reserve your lot today. 880 AC GRAZING LAND In County. $66,000 NEPHI Great starter or fixer-uppe- r Southtowne Subdi' vision. New reduced prices! NEPHI Turn key operation. Includes home with 3 bedrms on ,24 acre. Great location. 480 E 200 N, $69,000. equipment. Currently used as a meat packing plant. Sold with or without home. LAND FOR SALE equipment. $90,000 wo equipment. NEPHI Affordable family home. 5 bedrooms, 2 baths, large 30x35 detached garage. Quiet neighborhood. $145,000 by side. Great investment. $139,000. NEPHI REDUCED Over 1600 sq. ft. Main floor living, 2 large bedrooms, possible third, 2 baths, 2 car garage, new -- rights. Lg. heating system. .60 acre lot. $99,000. NEPHI Round steel building in good condition. Great location. Zoned C-- shop. Great yard. $217,000. NEPHI Vacant building w2,900 sq. ft. Has previously been a bar. Could used $100,000. 1 acre. NEPHI DUPLEX Don't pass this one. Newly remodeled. Both units 2 bedroom NEPHI Newer 6 bd, 3 bth, all brick 12 acre wanimal for a variety of businesses. $60,000. NEPHI Duplex near High School. Side 1 bath. New roof, separate garage. Great price, $89,000. NEPHI 4 Plex. Townhouse style. 2 bedrooms, 1.5 baths. $239,000. NEPHI Duplex. 2 Bd. 1 Bth, Crprt, all brick, great buy. $125,000 Close to School NEPHI Horse property! On 1 acre. Cute home, 2 large bedrooms. Priced right. New carpet and paint. NEPHI Main Street. High visibility property!! Comined Use Zone, will sell all or part. Home would be perfect for office or investment. |