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Show 8: November 5, 2003 Page 7 (WOO &S '(Die cash method for purchases will help you avoid the fees and interest payments for months after the event. Be creative, flexible and try to simplify. Holiday time should be a time to enjoy. It can be a time to build family 32iTQCEn$C( By Margie I Memmott CL" Extension Educator UNIVERSITY Message From Margie 31 V 1 i. -- it it ni U -- w more than was planned. Preparing now for holiday time can lessen the financial burden, as well as the stress later on. Put the Breaks on Holiday Credit Card Debt ing ; d 0 Marilyn K. Albertson, USU Extension Salt Lake County recommends ideally, you should plan for holiday spending, starting in January. Decide at that time how much you think you will need for holiday spending throughout the year and start saving dread holiday time because of the overir whelming burden of debt 8 you always have when the celebration is over? Do you fell depressed when you think O. of how you are going to pay for all the items you would like to purchase and the ac3f tivities you would like to be n $100-$50- Do you ever involved in? Did you know of adults have that indicated they spend much more than they planned on holiday gifts with most spend one-thir- d Stop by our n three o i. -- B Its u O jaffiaafiiimiJfrMni r: 9l bl tii 10 i br office today for a free printout of homes Si. 48 Prudential ll Times The Heal Estate Service Eijtiah Success N Main Suite 1 NePhi- - Utah Toll Free: hi -- New Listing Mona 116 S 200 W - $209,900 - 3 bedroom, 12 bath, beautiful brick home on 12 acre lot with animal rights. Covered deck, large garage, family room finished downstairs, walkout basement, very nice 20x20 shop. Very well cared for. Beautifl views, only 10 minutes from Utah county. New Listing 350 N 400 E - $153,900 - 5 bedroom, 3 Nephi bath, new kitchen, new floor coverings, 2,565 sq. ft., 2 fireplaces, niced fenced .40 acre yard, irrigation water, close to schools, perfect 2 163 E. 300 S. $79,000 Nephi - Nice older home on deep .37 acre lot. Tons of potential for rental or first-tim- e .square feet Needs a little cosmetic TLC. - buyers. 2 bedrooms 1,181 Wont last at this price. Nephi -s 53 S. 1 00 E. $1 24,900 - Red brick home in excellent condi 3 bedrooms 1 12 baths, cozy family room in basement, gas tion, 2 fireplace, deep private yard .30 fenced lot with detached garage and covered patio1 365 N 200 W. $1 34,900. Wonderful Family Home with ANI Nephi MAL RIGHTS!! 4 bed 1 34 bath, 2,458 sq. ft., excellent floor plan, 2 vary large family rooms, 2 fireplaces - 1 gas log, custom built-ibookcases & entertainment center, lots of storage, central gas heat, beautifully landscaped '12 acre lot with sprinkling system, and 1 share pressure irrigation. 195 E. 200 S. $103,900 - 4 bed2 bath updated Victorian Nephi home with unbeatable charm. Cathedral ceilings, bay window, all new kitchen. Very clean on large comer lot, gas furnace and central air. You'l n in bi ht V 3- - S' n; sf !' 23 ,fl Vj .r3 f.l. 81 making purchases, make sure that their receipts are accounted for against the total budgeted. Insure you have adequate money in your account to cover the calls, decorations, travel, meals, clothing, activities, donations and how much you credit card purchase. Record and subtract the amount spent on your credit card in your check register just as 4 What? Estimated Costs? Bike $35.00 if it were a check. Then you will know when you are out of money. When the bill comes, Set a spending limit on you know there is money in gifts for each person. Con- the account to cover it. sider drawing names rather, If you choose the conthan giving gifts to every per1-- venience of credit card for son. Look for bargains early purchases, use only one for and consider cutting back on holiday purchases and make what you usually spend. Try sure it is free of any balances giving a family gift (limit cost) on it. You dont want to pay rather than a gift for each interest on the total amount child. It could be a game or on the billing statement, ingredients for a fun treat when you planned to pay off your holiday purchases at the they can make together. Cut down expenses when end of the month. A rule to remember: If you entertaining. Have a potluck dinner or just serve treats at buy something on sale with a a family party rather than credit card and cannot pay it off at the end of the month, it a full course meal. Maybe invite every family to bring was not on sale you may end their favorite treats and then up paying far more than the make mixed trays of goodies original retail price by the for each family to take home. time the bill is paid when If you really want to decorate you include the interest. Be differently than last year, but careful if your credit card new decorations dont fit in company offers to let you skip payments for a month your budget, try trading decorations with a family member or two. The interest will not or friend. Then everyone has be waived and will continue a new look but without any to accumulate. Pay the bill when it arrives. Paying a additional expense. Establish the rules for reduced minimum payment 1 " family floor plan. I.- purpose. Make a written plan based on the amount of money available. Include all anticipated expenses such as gifts, phone Activity Event Gifts n Jr. plan includes inexpensive activities to accomplish the pay for in cash now. Using the c -- ties, reemphasize family traditions, encourage knowledge of family heritage, provide service to others, renew old acquaintances, etc. Interview family members to see what they would like to see happen and gather their ideas for making it happen on your budget. Once the purpose is defined, then make sure your something every month. If you have not done that, you should start early but for can afford for each category. sure not later than October Just remember, if you dont or November for any Decemhave the money dont plan on ber holidays. Set a goal to buy making the purchase. Write only what you have money to out a spending plan: 3 -- making purchases. Will everyone pay cash, use a credit card, check or debit card? If you are going to pay cash for your purchases, then leave the credit cards, check book and debit cards at home when you o shopping so you will not be tempted to overspend. If you use a debit card or check, make sure the amount is subtracted from your balance so you dont overdraw or overspend on the holiday. Keep track of any purchases made with a credit card. Use an envelope. List the total amount available for the holiday spending on the back. When each purchase is made, put the receipt in the envelope and subtract the amount form the total budgeted. Once you have reached your limit, leave the credit card home. If other family members are fall in love with this one!! Price reduced on this unique 297 N. 100 W. $116,500 Nephi Victorian home. 4 bedrooms 2,378 square feet, main floor master bed room, tons of potential. Original features include, beautiful front door, stained glass window. Brick and red stone exterior and more. Also has large 2 car garage and .30 acre lot with sprinklers. E. $127,000 5 bed 2 bath home on large lot. with lot animal room acre 12 rights. This home has a Huge family is lot of potential, but needs some work. Home is being sold in as condition. Sale is subject to a short sale 360 N. 500 Nephi Neph-i- 778 N. 400 E. $1 35,900 -- Large modular home with detached 4 bedrooms 2 baths, large kitchen and 2 car garageworkshop, 3 to schools. Bring all offers! .33 acre close lot, room, family 227 E. Center $139,000 Charming cottage style home Nephi with modern upgrades, 3 bed 2 baths with jetted tubs, lots of built ins gas and wood fireplaces beautiful new kitchen, deck hot tub. sprinkler system raised garden Irea, all appliances including washer and dryer. , Nephi 345 E. 800 N. $1 39,900 Immaculate home on .48 acre lot with animal rights. 4 bed2 bath home very well cared for, large patio with outdoor lighting, just added full automatic sprinklers, Excellent neighborhood. Additional ground available. 186 N. 700 E. $179,000 --Custom home with wrap around Nephi porch. Come see this beautiful home. 3 bedrooms 2 12 baths, tasteful interior with functional floorplan, fireplace, beautiful staircase, large master bedroom with fabulous master bath. Large formal Living room. Great neighborhood close to schools. Landscaped .29 acre lot. Don't miss out on this one!! Nephi 1 63 N. 700 E. $209,900 Completely finished. 3300 square feet 6 bedrooms 3 full baths, hardwood floors Vaulted ceilings, 2 fireplaces, kitchenfamilydining combo formal living room, large family room in basement. Built in desk and cabinets in officeden. Beautiful brick work, owneragent Beautiful bnck Rambler in quiet 38 N. 300 E. $179,900 5 bedrooms 212 baths, comfeet over 2900 town square country pletely finished with a beauty shop in the basement. Immaculate home with kitchenfamilydining combo. Light and open floorplan. 2 fireplaces. Completely fenced with extra 24 x 24 bnck garage. Plenty of room for R.V parking. This home has it all. Levan 141 S. 200 W. $152,000 -- Bnng the horses to this home Mona with beautiful views, 3 bedrooms2 baths. Large master bed and bath. KitchenFamify roorrvDining combo Fireplace, oversized garage, storage shed w electrical and phone, 32 X 52 bam ? acre can be sold off total 1.12 acre lot. Price reduced on this brick 15 E. 300 N. $167,000 Santaquin rambler. Nice location, full partially finished basement 5 bedroom 2 bath over 3.000 square feet on 13 landscaped and fenced lot bring all offers 10 tips to heat up your home Here are 10 ideas to help keep you and your family warm and safe inside when its cold outside: 1. Seal off unused rooms by closing registers and shutting doors tightly. hardw'oods in fireplace. your 6. Do not place furniture in front of heating registers. 7. Remove garden hoses well-seasone- d from outside faucets and store. Frozen hoses can cause pipes to burst. 8. Check weather stripping Do 20 not seal off more than percent of your total living space because your furnace and caulking. Eliminating drafts can significantly im- may not operate as effir prove efficiency and comfort. ciently. 9. Open draperies on sunny 2. Change your furnace, filter. Changing the filter days. Close them at night to keep out the cold. 10. Have winter supplies regularly increases operating efficiency, reduces the chance of a breakdown and improves1 readily available. If your air quality in the home. If area gets snow, make sure you have salt, snow shovels with curved blades (to protect your back) and other supplies on hand. Check the batteries in your flashlights. you have questions, ask your( technician while heshe performs the fall tune-up- . 3. Keep your thermostat low. Each extra degree can add four to five percent to your heating bill, depending on the age of your furnace.; When you leave for the day or weekend, lower the setting, by five degrees. 4. Invest in a programmable thermostat. You can program it to automatically-kee- the temperature lower-whil- difference a advantages there are to newer systems. A properly installed furnace can provide 90 percent heating efficiency, which can save money and energy. i , Your Home Comfort Company Allen Harris - Owner Phone:(435)528-740Fax:(435)528-504- 15 Years Serving All 9 of Central Utah MONA of pressurized irrigation $34,900. SCIPIO SUMMIT 92 acres fully fenced, aocess to culinary water & power, spring, freeway access, potential cabin sites, freeway billboard signs $1,000 per Acre. LEAMINGTON trees, al hookups available $157,500 bers with their anticipated costs and have them prioritized the .most important item desired. Then you can decide where to spend the money you have budgeted. If you find something much cheaper than anticipated, dont buy something else to make up the difference. Just e NEBO AGENCY INC. dfifl NEPHI OFFICE (435) INC. AOCNCr 623-120- Serving Juab County since 1988 0 NEPHI OPPORTUNITY KNOCKS. Great fast food business in Nephi. Good income, well established. Includes 10 unit trailer court. Call Amy or LaDaun for Details. 496 N 200 E -- 1 bedroom, 1 bath. Great starter or retirement home Newly remodeled on .28 acre. Plenty of room to grow. Call Amy at (435) NEBO HEIGHTS - 4 or 5 bedroom home with walkout basement 100 finished. Private patio with 6 foot fence and hot tub. Shop in garage for beauty shop, dog grooming, etc. 15x20 work shop. 660-122- $179,900 CABIN GET AWAY. Holiday Oaks in the pines. Beautiful log cabin, totally self sustaining on 10 acres. Borders Forest Service. Price reduced to $135,000. 90 S MAIN - Commercial building with live-iapartment. Over 2,700 n sq. ft. Great location. $63,900 960 N MAIN - Commercial zone, high traffic. Great office building or rental. Call for more details Commerciallndustrial. 6,500 sq. ft. on 1 acre. Currently used as meat packing plant. $95,000 Custom all brick home with surround screen porch. 5 bedrooms, 3 baths, wet bar, 3 car garage. Reduced to $189,000 110 SOUTH MAIN STREET - Gorgeous Whitmore Mansion. Late 1800s Bed and Breakfast Mansion, still in elegant condition. Beautiful yard with pool, hot tub, BBQ pit, all fully fenced. Seller may do carry back. 206 N MAIN - GREAT BUSINESS OPPORTUNITY. Immediate returns on an already successful business. Call for more details Price reduced $137,900 496 N 300 E - Great starter. Newly remolded, cabinets, lam in age floors, vinyl siding. 3 bedrooms, 1 12 bath. Call Kathy at $105,900 537 E. 100 N - Large family home on 12 acre in Nephi. 4 bedrooms, 2 baths. $183,900 SOUTHTOWNE ESTATES - Lots starting at $25,900. Stubbed utilities. Workable sellers wpossible subordination. 462 S 300 E - New listing. Just like new home on 12 acre. Two tone paint, beautifully landscaped, vaulted ceilings. Ypu have to see this one. $229,000 473 E 760 S - NEW ON THE MARKET. 2 years new, with 95 finished basement. Over 2,200 sq. ft. 4 bedrooms, 2 baths, awesome family room with surround sound. 3rd bath all done except fixtures. Vinyl fence and sprinklers. $153,900 340 N 900 E - Price reduced 520K. Under appraisal. Beautiful 5 bedroom, 4 bath. Two family rooms. 3,700 sq ft., all the extras. On 12 acre with animal rights. $219,900 45 E 700 S - Sale failed. 14 acre lot in Nephi. Includes irrigation. $24,000 ONLY 1 LEFT - Southtqwne. 3 bedrooms, 2 baths, 2,200 sq. ft. unfinished basement. Price reduced to $127,900 244 EAST 200 NORTH - Three bedroom, all brick home. 2 fireplaces, tool shed, great back yard with pond. Hot tub stays. $139,900 660-009- MONA 100 WEST 200 SOUTH - Choice corner building lot. 98 acre. Has 2 pressurized irrigation hookups. Possible splitable lot. $59,900 New listing. 6 bedroom, 3 bath, sits on 1 acre. More acreage available. Great views of the mountains. Call Amy at (435) $200,000 295 E 1700 N - New Listing. Beautiful Rambler home with 6 bedrooms, 2 1 2 baths, over 3,500 sq. ft. with many great features. Sits on over 3 12 acre lot with animal rights. $229,900 660-122- 9 LEVAN 240 S 100 E - 3 bedroom, 2 bath, den formal dining room, carport. Well kept on 12 acre fenced lot wsprinklers. $111900 305 E 100 S - 4 bedrooms, 2 baths, family room on 12 acre w animal rights. Reduced in price $112,900 70 S 300 E - All brick home. 6 bedrooms, 3 baths, family room, formal dining room, tile and wood floors. 12 acre with brick shop. Like new. Includes brick shop tool shed. 275 N MAIN - Charming Victorian ranch house. 3 bedrooms, 2 baths, studio, 9 foot ceilings, 12 acre lot with lots of shade. With shed and shop. $139,900 LYNNDYL 580 S HIGHWAY 6 - 3,000 sq. ft. commercial building on Highway 6. 8.67 acre lot. Building has restrooms, offices, rec. area, totally fenced and large overhead doors. $132000 550 W CHRISTIANBURG ROAD Beautiful log home with beauti3 bedrooms, 2 12 baths, mud room, loft, deck, fenced, yard, garage. Must See. ful views. MORONI 58 N 100 E 3 Bedroom, 1 bath , sunroom, original hardwood floors. $89000 705 S MAIN - 2.96 acres for combines use income properly. 300 foot frontage on Mam Street. 705 South Mam. $249,000 acres in Sevier River Ranches. Close to Yuba Dam. Sevier River runs along property. Great fishing, camping. $19500 Sevier River Ranches. Now available. 1 0 acre lots. A great area for fishing and water sports. Recreation or residential. Asking $1 ,500 per acre. 9 80 Air Conditioning Heating Construction REMODEL Repair central Valley Mechanical 435 435 ATTENTION Builders and Investors 175 town, beautiful mountain views, mature acres n quiet country subcfc-vxjab- toys, gift items, decorations, wrapping paper, party items, and even some gifts at very reduced prices. Start buying supplies for goodies and other items early in the year when they go on sale, then you dont have to go over your budget right before the holidays to stock up. Dont forget to create a monthly savings plan for the 2003 Holiday time. Happy planning for a debt-freholiday season! SEVIER RIVER RANCHES Toll Free 14 Acre Building lot. $33,000. 12 acre building lot w,25 share NEPHI for after Christmas sales. It is a great time to pick up 8 NEPHI Sun Ridge Ranches Classy Subdivision, 1 acre view lots w'ammal rights, white vinyl fencing, an utilities stubbed, starting at $49,000 needs. Finally start planning for next year. Save some funds so that you can be prepared MAYFIELD 52 Years Experience - Residential Commercial Land keep the savings for other is also 1 Heating and Air Conditioning V I; 7 V V a system is over 10 years old, you might be surprised to find out just how many e you're sleeping or gone for the day. 5. Have fireplace checked. A professional check is es sential once a year. Burn only S&H What decade makes! Older furnaces may deliver only 50 to 60 percent efficiency. If your heating and cooling dangerous because it keeps you tied to the debt longer and forces you to pay more in interest for those purchases. Plan your purchases ahead. Check ads, look around at the stores before making the purchase so you know what a god price is for the item. Collect idea lists from family mem- Nephi, Utah s Qltmcs-cfa- le www.carrier.com 623-412- 1 701-273- 9 LaDaun Ray: (435) Dody Camer (435) Kathy Whimpey: (435) Amy Griffith a: Home: 623-277- 3 623-762- 1 Cell Phone: H801) Cell (435) $ Celt: (435) 367-061- 7 660-108- 4 623-093623-701- 6 1 660-009- Can: Office. (435) 623-120- 660-122- 9 0 nebonephi8hotmaH.com I |