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Show Feb. 12, 1988 tion and cooperation is necessary in resolution efforts, the work of the counselor will be fruitless. How do you tell if a budget problem exists? Ask yourself four Ted McNair by SMSgt. AFB Altus Okla., Family Support Center "Cut my standard of living? You must be kidding. I need both my cars and my boat. Now, tell me how to get out of this $300 a month deficit." Having personally worked more than 285 successful crisis ing cases within a budget- period may qualify me as a skilled financial counselor who is capable of making certain objective observations. The first step in helping someone out of a crisis is to get the member to see there is a problem. The second is to get them to accept responsibility for the position in which they find themselves. Unless a person accepts that there is a problem and their direct interven 30-mon- th debts or expenses. They hesitate to seek budget-- , ing help when in trouble. They use credit as a source of my debts and expenses? Answering no to any one of these questions could mean current cr imminent financial difficulties. Did you know there are common trends among people who mismanage their funds? Here are examples: income. Budgeting is not tricky. It is planning. All debts and expenses for which money is spent must be annotated in your budget plans, including groceries, hair care expenses, vehicle registration, They don't have written budget American Red Cross We can. show you how A ("uBK Smm w TMi Magazm cr Color Rac Stereo $600Cash 5 Piece Bedroom Set TV, VCR, 5 Piece Living Room Set (Sofa, Love Seat 2 Tables. Lamp) (Double Pedestal, Nightstand. Dresser. Mirror. Hutch) AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA . ' 1 y vvvwvv VVVVVVVVVVVVV vV--r 1 1 9 GRAND VALENTINE'S WEEK IS FEBRUARY 20 MARQUIS 8-1- 4! Sweet IN STOCK T.MR139 Tilt wheel, speed control, power lock group, power driver seat, electric rear def. illuminated entry system, wire wheel covers. light group, iront ana rear moo. cassette, full size spare. 5.0 litre V8 engine. AM-F- SAVE WAS 518,163 NOW $ $1875 send it anywhere in the United States through Teleftora So call now. It's the sweet thing to do. $2S00 14,520 9T0PAZS TOWN CARS IN STOCK IN STOCK Was $26,903 NOW PRICE INCLUDES FACTORY CASH "Witn i PUTCUS 84 MAZDA 77ms PS '1612 SAVE HOW '11,000 FORD AEROSTAR 87 Wmkm tan. 3 to cnoose from sewT1 iw SAVE now $$$$$$ $9200 '1212 7soo SAVE NOW '18.500 '2001 $ 10,225 '85 GRAND MARQUIS LS Pur wind locks, tilt r. cr 2 tone pant. '11.500 WAS SAVE .......... '1512 '9000 NOW LYNX 2 or 3 spa '16.409 now WAS SAVE HOW '3995 '1107 WAS SAVE 544-1224- 0) O S3 imp QfOaiBC o GSD300Oi7 ,. TOPAZ air. Save 52997 $t3,48 5.0 litre high performance EFI engine, audio system. These cars have it all. Save $3181 ,532 '81 OLDS. CUTLASS '7700 '21.995 '3107 '84 FORD TEMPO 2 or 2 Or .nice car WAS SAVE HOW '1312 SAVE '2300 2 or . loaded, kaury '12.995 '2207 8000 o CQH3DD Sspa.tr '4900 '3700 WAS 83 LINC MARK W WAS SAVE mirror. Ford JBL day-nig- Was $26,763 cr. tilt ....'9995 '2207 auto-di- 912 '3900 HOW '85 DODGE 4 dr.. PS. PB. LANCER auto, mr WAS '7495 SAVE '1C07 '2000 now 'iotooo now '10,700 now xfHowm by 1066 E. Gentile St. 2rc Layton mm. Equip with til me options, me Touring Pkg . WAS. SAVE 87or.MERC. 4 Was $16,465 NOW '88 MERC SCORPIO '84 86 LINC. CONT. mcarhasitne option, km rMs WAS SAVE RX7 CSL SE one ras aii rr options. WAS loaded rnulclS rear Saves597 Was $10,822 NOW LS 87ToCOUGAR 3 Choose From PS AMPMcaa Pwr mt IKU '13.500 WAS . . Convenience group, front center arm rests, light group. AMFM cassette, window defrost, automatic transaxle and much more! Save$3308 t 3 3 LINCOLN fy jjE electronic fuel injection, automatic overdrive trans., front wheel drive, power rack and pinion steering, power front disc, rear drum brakes, air conditioning, power windows, power door locks, speed control. AMFM cassette and much, much more. Multi-por- now iMIZHZSSEZ. 4 door, comfort convenience package, head lamp convenience group, power deck lid power seats, turbine spoke aluminum wheels and much, much more! SABLES IN STOCK a Save M97Z now 116,288 "& Charm your Valentine with Teleflora's Candy Hearts ar e Bouquet Flowers, a country-stylof a and big bag canning jar colorful candy hearts (The kind with fun sayings like "Kiss Me" and "Let s Hold Hands") We can cmri Interval windshield wipers, tilt steering wheel, speed control, rear window defroster, light group, power windows, power door locks. AMFM cassette. power seat, poly cast wheels, automatic trans., head lamp convenience group, power antenna, premium sound. paint. Was $16,492 22 COUGARS im 0 Air , r II Trip to Mazatlan for Two Th. AdmUMig Council Be MAC News Service. U If Keep up your family's health. clothing, school lunch money the list goes on and on. You may have noticed by now that a budget consists of projected payments for all debts and expenses, regular or not. The problem that arises, when no emergency savings fund is maintained, is that unexpected expenses can wreak havoc. The other problem with budgeting is that many people fail to live within their means and place a stereo before rent and food. We have a moral and legal responsibility to take positive and prompt action in settling financial obligations. Editor's note: Financial counseling is available at the Hill AFB Family Support Center. Call Ext. 74681 for details. Article from plans. They fail to establish a savings fund to handle unprojected or irregular expenses. Their checkbooks are not controlled by only one family member at a time. Their budgets are not based on one member's income. They fail to keep creditors advised of financial problems. They borrow to pay previous questions: Is there a reasonable emergency savings fund on hand? Are written budget plans used regularly to monitor spending? Is the checking account balance accurate and all transac. tions posted in the register? Do I have surplus money after Hilltop Times 'scco |