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Show iuiunj iums, and installment debts. 2. buy food, 3. pay for other items such as gas for transportation, school supplies, emergency clothing replacement, 4. other desirable purchases but not essentials, recreation, etc. Once you have the amount needed subtract it from the amount available. At thi, point difficult choices must be made. What will be dropped from the budget? The third category may be adjusted using creative alternatives walking to work, car pooling, etc. The final category in dire emergencies may be temporarily eliminated. If the family must remain on the restricted budget for more than a month it is unrealistic to totally eliminate everything in the category. Accept change Making the changes calls for real commitment from all family above Staying Alive I think If we had a "No Paycheck Meath oar drat thought would be Staying Alive, which USU Family Resource Management Specialist Dr. Glnny Langrehr comments on this week. A no paycheck month may mean or just mild sacrifice, depending on the prior planning and Financial circumstances of the family. Basics to successfully handle the No Paycheck Month are: 1) maintain control, 2) accept change, 3) communicate, 4) seek help, 5) be resourceful. crisis Maintain control Knowing what to expect can reduce the tension. Therefore its wise to make a plan for the unexpected well in advance. The first step is to evaluate what your situation is. 1. What funds do the family have set aside for emergencies? 2. What new funds are or will be available (unemployment benefits, insurance payments). Am I eligible? How do 1 apply for benefits? When will they begin? How long will they continue? How frequently will I receive them? Next you need to reevaluate the dollars needed to: 1. pay bills that are a fixed payment due on a given date mortgage, rent, gas, electricity, water, car payment, telephone, taxes, insurance prem members. Major barriers that exist in implementing changes include: Embarrassment in admitting we cant maintain our old lifestyle. Unrealistic beliefs Ill find a job next week. Ill make a deposit before the check bounces. Failure to accept responsibility Refusing to say No to yourself and others. Believing that you deserve an item. Communicate Too often persons experiencing financial embarrassment choose to avoid people they owe rather than presenting them with the facts and a reasonable plan for an altered repayment schedule. What is possible will depend on the debt contract and whether the debt is covered by a security interest (a car for example). Most creditors have established policies on missed payments. When they do not receive a payment they assume that their ability to collect their debt is in trouble. Unless the debtor contacts them they have no way of knowing whether the debtor has left town without paying, or has any reason for not paying. Each creditor may react differently when you contact him d highest-performan- "The interest dinner set An Adult Special be held at First-Fift- h Ward on p.m. Please bring your bull sale is the 'annual Ephraim Sunday thru Thun., 1 Showing at 8:00 p.m. Sat., 2 Showings at 7:30 p.m. and 9:30 p.m. Frl., Mar. 23 to Thurs., Mar. 29 (Closed Sunday) TRIUMPHANT FILM MAKING N E V F. K C Shop at Homo own dishes. Livestock Auction Salable at auction 1400 compared with 1250 last week and 1342 last year. Average attendance. Moderate demand. Feeder steers uneven, weights under 700 lbs mostly 1.00 higher, weights over 700 lbs 1.00 lower. Feeder heifers 1.00-2.0- 0 lower. Slaughter cows and bulls mostly 1.00 lower. Supply about 80 feeder cattle. Feeder steers: Medium and Large 500-60- 0 lbs 70.00-76.069.00-71.0lbs 66.00-72.5mostly 700-80- 0 600-70- 0 lbs lbs 64.50-69.51 300-40- 0 0; 0, 63.00-66.7- Large 5. Holsteins lbs 550-95- 0 Frame 48.00-51.5- 2 0. Feeder Heifers: Medium and 275-40- 0 lbs Large Frame 1 56.00-59.0300 lbs 61.00; couple 500-80- 0 400-50- 0 lbs lbs 57.00-61.056.00-60.0- 0. Stock Cows: Few Medium Frame mixed age 1 months pregnant 0 head. per Slaughter Cows: High Cutter and few boning Utility 3 400.00-43.944.00-47.2Cutter high dressing 7-- 8 450-515.0- First Securitys IRA Savings Plan can help you flow into an easy retirement and tap into a big tax break on your 1983 Federal Income Tax Return. Individuals can defer up to $2,000 working couples $4,000. Be sure you get your 1983 Tax Break. Open or complete your maximum annual contribution into your account before April 16, 1984. Start an IRA Savings Plan now. Tax-Deferr- Tax-Deferr- ed ed Early withdrawal is pcrmmtd, but Federal regulation require a substantial interest penalty when this occurs. 0, 5. 36.00-38.5- 0. Slaughter Bulls: Yield grade 1010-153- 5 Yield lbs 49.00-52.72 for bulls further feeding grade 5 lbs 43.00-47.51 (First Security Banks First Security Bank of Utah, N.A. First Security Bank of Idaho, N.A. First Security State Bank First Security Bank of Rock Springs Each depositor is insured to $100,000 by FDIC 900-152- 0. School lunch 51 , Frf. March. 23t Tacos, lettuce, cheese, sauce, buttered green beans, pears in green jello, cinnamon buns, milk. Mon. March 26 Cheese burgers, lettuce, onion, pickles, french fries, fruit cup, milk. Toes. March 27a Beans and Ham soup, bread sticks, lettuce wedge, dressing, applesauce, Betsy Ross cookies, milk. Wed. March 28a Chicken, Trailer Sales 100 N. Main, Ephraim DEALER De l007 REPAIRS SSYKU. CUSTOM WORK. 283-475- 7 Mm&MCEssotiES fruit salad on lettuce, bread, butter, There are sequences in this movie that make your jaw drop open out of genuine amazement." - mvsvhk "AJ.JIW.. . : 1 Shumway said a beef cow management seminar will be held at 10:30 a.m. in BYUs Leo Ellsworth Livestock Center at 2230 N." University Ave. It will be given by Dr. James Wiltbank, noted BYU animal scientist. culmination of a beef cattle project under the auspices of the Animal said Dr. R. Science Department, Phil Shumway, professor of animal science and coordinator of the sale. "The project includes working with beef cattle producers in the Intermountain area to test approximately 70 beef sires and determine their genetic potential for higher potatoesgravy, sweet potatoes, - tOSASCCUS TIMES milk. 29 Roast beef, cream style brown gravy, potatoes, com, orange slices, hot rolls, butter, Than. March ' fV milk. Fitness tips by Dale Nelson rjl ULTRA OTDRnoYM The Ultimate in Theatre Sound Systems!! Ephraim Elementary School Surplus Sale! Sale will be held in the Ephraim Elementary Mechanical Arts Building from 10 a.m. to 6 p.m. Friday, March 30 Surplus items to be sold include chairs, tables, desks, lockers, skylights, art prints and frames, wastebasket s, cabinets, pop machine, one refrigerator, one power sewing machine, one power garage door and many more miscellaneous items. 7. Interest dinner the Ephraim March 29 at 6 5. tTQvjnG D'hGoflFe Pag There will be good food and a good program. Holding on to old goals. The No Month is a time to reevaluate what is most important. do. Several hundred Intermountain area cattle producers are expected to Bull attend the 8th Annual Sale April 5 at Brigham Ybung . University. The public is welcome to attend the sale at 1:30 p.m. and see some of the region's bulls. Special will Thursday, March 22, 1984 , Annual bull sale dated at BYU about not being able to make a full payment. In some instances they will not accept partial payments and after just a few missed payments may take legal action to repossess property secured by the debt. If you experience difficulty establishing a repayment plan with a creditor you may wish to seek professional help. Pay Check Fear of the unknown. Uncertainty of what a creditor will think or Msngr-EnUrpris- Holy Mackerel! Those fish may lead to healthier hearts! At least some experimental research indicates that ingestion of oils from marine animals reduces the risk of atherosclerotic heart disease. Lets take the case of some German researchers at the Cardiovascular Research Center in East Berlin. For a period of two weeks 15 healthy volunteers had to eat two cans daily of either mackerel or herring (in tomato pulp). The two daily diets were comparable in all other respects. At the end of the two week period the mackerel eaters had significant drops in their blood levels of cholesterol and triglycerides and in blood pressure. The herring diet caused little, if any, beneficial changes. If this sounds a little fishy, its still interesting because other experiments involving fish oils seem to lead toward favorable conclusions for people who are concerned with their cardiovascular health. Another report from "Metabolism Oct. 1982 quotes a professor of medicine in Oregon who indicated that shrimp and certain other shellfish did not show increases in cholesterol in the diets of subject in his experiments. Eskimos, who live predominantly on a fish diet, are another case in point where food from marine animals appears to prevent heart attacks rather than lead to a high risk of atherosclerosis as has been found in people whose diets are high in meat and animal products. Ive always said the time you spend fishing wont be held against you, especially if you eat your catch. 3fI SoDeS Sofia r rJlaii?. OaDuDo M ip.inni. Discounts on Trailers, Cars, Trucks, Campers 7 New Phone Number: New Address: 100 N. Main Street 283-475- Special Discounts on Service Work Orders placed on Sat. Giveaways Free Hamburgers, Drinks |