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Show Page 28 November 13, 1981 HILL TOP TIMES Akoiniige moiraey By 2nd Lt. Jackie Miller critically. Unless you carefully review your records, you may overlook overspending and poor buying habits. Be realistic in revising your allowances for expenses. Keep your expense estimates available for reference. Financial Counselor Incirlik Installation, Turkey A budget or spending plan is a tool to help you manage your money wisely and reach your family's goals. It requires planning, determination and the cooperation of the entire family. To work, your budget should be adapted to your family's needs and income. You must set goals based on these needs and wants before you can work out the details. Goals should include all family members and be realistic in relation to present income. Determine which goals are most important and give priority to those benefiting the entire family. Be specific, but remember Now set up your budget based on the goals, income and expenses of. and monthly your family. payments, debts, and an amount set aside for savings and emergencies should be included. Total these amounts and compare the total with your income for the budgeting period. If expenses exceed income, your spending Balance your budget by reducing plan. if If you can't, you possible. expenses, to increase need your family's may income. When you have your budget on paper, try it out. Develop good buying habits to help carry out your budget. After the budget period, compare actual with planned spending. A budget must be refined until it fits your family's goals and needs. Do not expect a perfect budget the first time. With each new budget, expect imDay-to-da- y goals change as the size, age and income of the family change. Budget flexibility is needed to adapt to these changes. The next step is to determine your family's income. Write down all income expected during the planning period, including fixed amounts received regularly such as wages, pensions and other payments. Estimate expenses. If you have family spending records use them to decide whether or not to change your spending habits. If you are not satisfied with what you got for your money last month, look at your wisely (AFTSS) provements. For information on personal financial management, call Lt. Richard Rush, Ext. 74833. spending I VSUa ff AttttMUv . Urn WSkwmr -- , I ti SNOW BITERS x40 Armstrong a ail Norseman now uaaiai a PI 8575-- 1 3 (BR13) F.I.T. 1.96 1 9 PI 8575-- 1 PI 9575-14(- 1 P20575-14FX-1- 4) P21575-146R-1- 4) DS-- 1 Jt-- 1 4) 72.62 4) 74.23 78.72 83.09 Sato F.E.T. 59.95 62.95 66.95 69.95 2.29 2.42 2.56 2,73 P22S75-14(KX-- 14 P20575-15(F8-1- 5) ST i P18575-- f H 4 P22575-1-4 P20575-1- W P22575-1- 5 P23575-1- 5 PASSENGER A78xl3 B78x13 gS gd " 178x15 F78xl4 078x14 H78xl4 G78xl5 H78xl5 178x15 mc coupon ALIGNMENT SPECIAL CARS$125 'V wm ire 5 P21 575-- 1 5 sue " i Up to 71 .95 26.95 26.95 29.95 29.95 29.95 29.95 29.95 29.95 31.95 2.73 76.95 2.90 81 .95 3.19 5) 93.42 WiATH REG. SALE 58.50 65.50 67.65 69.04 74.90 76.50 80.00 84.56 77.50 80.50 85.50 90.95 49.95 54.95 F.E.T U 1.51 1.68 1.95 60.89 61.95 64.95 66.95 68.95 75.95 69.95 71.95 76.95 81.95 2.23 2.34 V 2.49 2.62 2.46 2.62 2.79 2.95 34.95 34.95 39.95 43.95 46.95 650x16 700x15 750x16 800x16.5 950x16.5 ALL PRICES PLUS F.E.T UP TO cpqsialo .90 DISC DQAKES BRAKE AS ADJUSTMENT LOW AS 1 $1,()80 I ton 4x4't Most Cars .i.l.i.l.l.llJ.lJ.IJ.IJ.I.I.I.I.I.I.l.l.l.l.l.l.l.M.I.I.1.1- I M I I I I I The MfKlrrn liMik fcir ieuvk in lamM'ilinx n lo and Ihr laohion nrrnr in Ihr 80. And "l'ardnrr"...al l!ri Hr makr a kimhI thing hrt nl rrn Irr. Crow Urtlrrn. "l'lah' mKl rmilclr and rxrilina; Hrlrrn nlorr" l t im i r ,Car M 4224 Rlvordalo Rd. 0 Hours: at inn -- Mon.-Fr- l. I 399-562- Financing AvailabU 3 0 to 6, Sat. 0 to 3 t Washington Boulrvard In Ogdrn Pit "L'lah's most romplrtr and rxriling weMrrn Morr" 2246 394-577- 3 I 2.06 V LIGHT TRUCK FREEI nC80 5) 84.98 5(GR-- 1 ALL P21 575-- 1 4 mm- 73.95 81.00 67.95 2.62 P23575-15(LR- -l SIZE PI 5580-- 1 3 PI 6580-- 1 3 PI 8580-- 1 3 F.I.T. Sato P22575-15HSM5)e9.- 61 MMI Armstrong (Steel Radial) Rtg. 87,36 P21 575-- 1 P20575-1- tsr W a 6)95 t PI 9575-- 1 4 . lU BUM U C4i WUA B :. .. s" |