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Show Are You a Spender, Saver or Worrier? By Merle Dowd spend without a plan and complain about eamirg too little. A spender buys the car he wants, not the car he can afford. After a bout with his checkbook or a squabble about who spends how much for what, a spender may take his wife out to dinner at an expensive restaurant to help them both forget their money problems. What is your dollar perWe all have one sonality? whether we care to admit it or not Most people fit generally into one of three broad categories: spender, saver or worrier. Test yourself to see where you fit. Spenders, for example, find themselves frequently in debt because they overspend their income, spend impulsively, W - i ir I'Sdi o, It r d CY33B Most of us exhibit a mixed bag, perhaps with a pronounced lean in one of the three directions. But, when ou recognize your dollar personality you have taken your first step toward managing your money. Inb.t x income. erally earn more than they spend squirreling away the difference. While savers control their dollars firmly, they may not enjoy spending even for fun things. Worrmrs may spend more than they can afford or sae more than necessary. But either way, they worry. Knowing they will fret and s'ew about overspending or worry about friends opinions if they spend too little, savers find that decisions about money come harder and harder. Worriers wrestle constantly with money problems but seldom win. None of these dollar pe.son- - Easy Etiquette BY JEANNE HARRIS me a desirable. alities is entirely Spenders get less from their .money because: (1) eat up sizand able chunks of their after-ta- Savers read restaurant menus from right to left. KtZltdOji fifTitJk- v es V ' know exactly how much cash is in their pocket, invest heav-llin stocks or land, and gen- - (2) Impulsive, spending fritters unplanned away their remaining resources. So spenders seldom get what they really want because they constantly chase themselves in a circle of bills. More income wont solve the spender's plight, despite entreaties that another $10 a week would solve all my problems. Spenders really need better management of their existing income. If youre a consider these spender, ideals: installment 1. Examine your bills. Are you using installment busing as a substitute for a spending plan? Schooi Cels Easier should recognize that spending money is no sin. Problems with difWorriers ferent problems. Too often a worrier assumes full responsiWTestle bility for family money matters. He or she loads up with Inproblems. stead of wrestling with one money worry at a time, worriers should develop a spending plan that considers the goals for all the family. When all agree on how income should be distributed, can follow the through confidently. Each expenditure either fits or doesnt fit; so there's to need to wonw. worrier Merle Dowd t "Spending Plan AnalWorksheet" average snowing yst family spending in various expense categories at three different income s now available. This useful levei worksheet enables you to compare your expenditures with the averages and thus determines the areas where savings can most likely be made. Send 20 cents to Merle Dowd, MANAGING YOUR FAMILY'S MONEY, c o Home Service Department, Salt Lake Tribune, P 0 Box 867, Salt Lak City, Jtah S4110 Please Indicate "Spending Plan." Allow 3 to 4 weeks or delivery. ! sa,. ' 1, Tribune, lridaj, Sipteinber 3. All lilll ife:' I; MADISON, W1S. (LTI) -The University of Wisconsin in Madison has reacted to change by altering degree retirements and curriculum in the College of Letter and S. nee and other (L&S) schools. The new L&S curriculum includes provisions for students tc complete degree requirements in less than eight semesters, the usual number, through credits by examination and advanced high school work; to develop individual majors; dj more to independ- ent study; and to complete foreign language and mathematics requirements in high school. EYE. W W W V 'W V'V V CUSSES beg 1st of SEPT. (Registration Aug 23th) INTERIOR DESIGN ILLUSTRATION LAYOUT DESIGN HISTORICAL FURNISHINGS DRAFTING ARCHITECTURE ADVANCED INTERIOR RENDERING 01 WRITE 277 177 CAU - T00RY FOR MFOtUITlOK l) RMS L 1,1 SAIT LAKE ACADEMY OF ART Zi 2. Resolve to sleep on decisions to spend big money. This way you break the impulse habit and relate each to decision your buying overall needs for money. 1 .SALT LAKE Develop Plan a spending plan. Even a simple plan that breaks expenditures into big pieces for necessities and fun is better than nothing. CM I VALLEY FAIt. COTTONWOOD OGDEN 3. Develop (33U3IBV (HISS f aaaiflGBGEas shion Savers often get less out of life than they deserve, but for Savers different reasons. often deprive their families of pleasures they could easily mD' afford. Savers pile up money as their warm blanket of security. Already good savers need to change to the mix of their spending channel more money into fun activities and family betterment and less into savings. bud-geter- 8D ontinosound-tri- during regular p Never call "perfume", "perfumery". A perfumery it a factory where perfume is made. Of course, every family needs a ready reserve of cash for emergencies. But banking excessive after-ta- portions inco-- x .e of ones as a hedge against every conceivable catastrophe overdoes St. Savers Corduroy Top Of Male v 4 Style Scene By Ghita Cary Writer Chicago Sun-Tim- Regardless of age, corduroy is tops on the male fashion in everything scene from coats, slacks and suits to knapsacks. The fabric has been a favorits rugged, can be fashioned with ease and also can be treated for stormy ite because weather. It comes in wide, wide w'ale as well as the tiny pinwale stripe and can be decorated up and down from school wear, which usually takes a beating, to a soft, velvety sheen that adds a dressy look to informal occasions. Styles v ry. Sport jackets are seen in everything from variations of the bush coat to a style with wide vents at the side. single-breaste- d are the corduroy they come in bright colors that can be worn pour le sport or even to the office or a cocktail party. Its a fun way to add color to our outfit. Then th-r- e vests Conic in today Saw npt20 Specially selected groupings for bedrooms, rooms! dining rooms, living rooms, dens and children's M Carriage 4545 5 .Ninth East Hours: 10 ( m. Daily. Mod., Thurs., Frl. til 0 A Il'--i There are many qualities in this fabric so its wise to check on wear and tear and, most impoitant, on cleaning. House Dial 262-2V7- Some lightly mention the possibility of wash and tumble, most recommend the but neighborhood cleaner, who is fully equipped to take care of odd spots in addition to cleaning and pressing. 1 .Sun. Brou smg IS p.nu (Copyright) it's the greatest fall coat selection ever! and everything that's on sale is a few days left for spectacular coat savings the coming fall season! We're showing the grandest assemblage of posh fur trims which includes lavish fox, mink, raccoon, rabbit and opossum plus pretend furs, elegant untreand so many, many more in this designer collection. Some trimmed wrap-up- s 4th! all stores. Super savings through September but not all styles in asures, too Hurry! Only just new for ZCM1 FASHION COATS ZCMI AUDITORIUMS Cottonwood - SaH Lake and Valley Fair and Ogden smashing three buckle job in Brown roughhouse suede or zappy Black patent . . . with rugged soles that fit campus at a real terrain ... price u . .. down-to-eart- 15.00. h lay away your preference polyester double knit Once you find your coat, well keep it for plan. Put you on our conveninet as little as $10 down and pay the balance by October 1 st. suits and pantsuits lay-aw- ay convenient ways to pay Whatever your preference, you'll find it at ZCMI. Pay cash, use your Option Charge account, lay your coat away or place your nurchase on contract. reg. $40 to $60 to 29.99 Handsome two and tions 8-- 1 8. in three-piec- e selec- fabrics. solids and patterns in sizes easy-car- e Most-preferr- ed |
