Lesson for September. Roll Call. Thought/Quote of the Month. National Preparedness Month

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Julianna Thomas
5 years ago
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ooperative xtension ervice aviess ounty 4800 ew artford oad wensboro, K 42303 (270) 685-8480 ax: ((270) 685-3276 daviess.ca.uky.

m. ctober 18 - uesday reen iver rea omemakers nnual eeting nion ounty - 9:30 a.m. esson for eptember oberts ules of rder oll all o you have a amily mergency lan, and have you discussed it with your family?

-onald eagan ational reparedness onth ake a isaster upply Kit: nclude water, food, medical supplies, flashlights, and batteries, etc. ave supplies for 3 days for each family member.

1 ooperative xtension ervice aviess ounty 4800 ew artford oad wensboro, K (270) ax: ((270) daviess.ca.uky.edu eptember 5 - onday abor ay xtension ffice closed eptember 6 - uesday omemakers dvisory ouncil eeting aviess ounty xtension ffice 5:30 p.m. eptember 15 - hursday iabetes roup 5:00 p.m. eptember 20 - uesday reen iver rea omemakers ouncil eeting aviess ounty xtension ffice 6:00 p.m. ctober 18 - uesday reen iver rea omemakers nnual eeting nion ounty - 9:30 a.m. esson for eptember oberts ules of rder oll all o you have a amily mergency lan, and have you discussed it with your family? hought/uote of the onth e can t help everyone, but everyone can help someone. -onald eagan ational reparedness onth ake a isaster upply Kit: nclude water, food, medical supplies, flashlights, and batteries, etc. ave supplies for 3 days for each family member. ave an mergency lan, and make sure everyone knows how to implement it. ioneer ays at ellow reek ark eptember 17, 2016 he aviess ounty xtension omemakers have been invited to participate in the ioneer ays event at ellow reek ark. he group will have the opportunity to sell cookies at the event and all proceeds will benefit the annual omemakers cholarship fund. f you or your club would like to donate cookies for this fundraiser please bring the cookies to the aviess ounty xtension ffice no later than oon on riday, eptember 16. f you have any questions please contact elia aines at

2 2016 reen iver rea nnual ay nion ounty - ctober 18, 2016 amp reckinridge - useum and rt enter illage oad organfield, K heme: alute the ast, mbrace the uture peaker: icki icketts - urator useum and rt enter egistration: tarts at 9:30 a.m. and meeting begins at 10:30 a.m. enu: arty andwich oaf atty s omemade egetable oup elish ticks pple ake rackers ea, offee askets from every county for ilent uction! icket price to be determined he rown ag ook lub will meet at the aviess ounty xtension ffice on eptember 30, 2016 at 11:30 a.m. ring your lunch, book, and/or book summary and enjoy a good time with us. K K K K ary igginbotham aviess ounty xtension gent for amily and onsumer ciences mary.higginbotham@uky.edu K

3 aviess ounty xtension ffice 4800 ew artford oad wensboro, K (270)

ennifer unter, h.. ssociate xtension rofessor amily inancial anagement (859) 257-3290 jhunter@uky.

loan. nfortunately, these buying strategies often contribute to an endless cycle of debt.

f you are considering a big-ticket item purchase now or in the future, consider the following tips for saving: stablish a goal.

5 ennifer unter, h.. ssociate xtension rofessor amily inancial anagement (859) : K or many consumers, purchasing a big-ticket item such as a new home theatre system, appliances, or furniture involves swiping a credit card or taking out a loan. nfortunately, these buying strategies often contribute to an endless cycle of debt. aving up for a significant purchase is an important step toward staying out of debt and ensuring your future financial success. f you are considering a big-ticket item purchase now or in the future, consider the following tips for saving: stablish a goal. nce you determine that you would like to purchase a big-ticket item, establish the purchase as a goal. oing so will encourage you to avoid making an impulsive purchase and allow you to save for the purchase. etermine how much you will need to save. o your research to determine how much money you will need to save. he nternet is a great place to conduct this research and will allow you to compare competitor prices to

guarantee that you get the best deal. lso, keep in mind that for some big-ticket items such as a car, there will be additional fees to take into account in addition to the purchase price. ake a plan.

6 guarantee that you get the best deal. lso, keep in mind that for some big-ticket items such as a car, there will be additional fees to take into account in addition to the purchase price. ake a plan. ook at your budget to determine how much you will be able to save each month. etermine what expenses, if any, you are willing to cut out in order to save for the big-ticket item. Keep in mind that you will most likely have to save for months, or perhaps years, before you are able to make the purchase! et up a savings account. ou can use an existing savings account or open a new savings account for your big-ticket item purchase. f you are using an existing account, consider automating your savings most financial institutions now offer automated services. utomating your savings involves electronically transferring a predetermined amount of money to a savings account. f you are opening an account, be sure to open an interest-earning account. ake advantage of unexpected income. f you receive a raise, bonus, tax refund, or any other unexpected income, consider placing this money directly into your big-ticket item savings account. e patient. nce you have met your savings goal, consider taking the time to shop around for the best deal. rices may have changed since you originally researched costs. f you can hold off your purchase, you may save significantly! emember, a big-ticket item purchase should be carefully planned rather than an impulsive purchase. ith careful planning, you will remain debt free, avoid financial stress, and enjoy your purchase. s the old saying goes, the best things come to those who wait! Kristyn ackson,, h.. andidate, epartment of amily ciences, niversity of Kentucky ennifer unter, h.., ssociate xtension rofessor amily inancial anagement, niversity of Kentucky ooperative xtension ervice, (859) ; jhunter@uky.edu tock images: 123.com ecome a fan of oneyi$e on acebook! acebook.com/oneyise

District 1 4-H County Extension Agents (ANR, FCH, 4-H)

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