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BIO "IllhUMl.YNl-AVS SUNDAY, JULY 4, 1999 GALVESTON COUNTY, TEXAS Credit counselors say solution to financial woes is to write a budget and stick to it C onsumers often look for a quick fix to get out of money troubles. Consumer Credit Counseling Service of the Gulf Coast Area Inc. offers a solution to financial woes: Write a budget and stick to it. Follow these tips from CCCS for help in setting up a budget. 1. See where your money goes. For one month, write down every thing you spend money on — include big and little items. Start with your checkbook to add up what you spend on utilities, food, insurance payments and housing. Collect all receipts — gasoline, prescriptions, newspapers, dry cleaning. Keep a record of all cash transactions — parking fees, sodas and children's allowances. Although this may seem cumbersome, to write a budget you have to know where you spend your money. 2. Set up categories. Separate your expenses into • NANCY ASHMORE categories such as transportation, household expenses, food, entertainment, medical and child care. Include both fixed expenses that you have every month and variable expenses that change from month to month. 3. Remember periodic expenses. Some expenses are seasonal such as school supplies, summer vacations, insurance premiums and property taxes. Other expenses like • Consumer Credit Counseling Service primarily is funded by rational, regional and local creditors and businesses. • Services are free to consumers. • Counseling Is available in person and by phone. • To make an appointment wtth a counselor, call (713) 923-2227 or (800) 8732227. • Spanish-speaking counselors are available. term goal should be to save 10 percent of your income. Start with a smaller amount and increase as you can if you are unable to save that much at first. A savings account can help get you on the road to financial independence and can eliminate money troubles in the future. 5. Add it up. Tbtal your spending categories and compare that figure to your monthly income. If you spend more than you make, you are probably using debt to support your lifestyle. This spending habit can lead to major financial troubles. Look for ways to reduce spending and to cut back on extras such as new clothes, entertainment and expensive convenience foods, 6. Make adjustments. After you have monitored your family's spending habits, you might need to refigure your budget. If your family's financial situation changes such as with loss of income or a major illness, you will need to rewrite your budget to incorporate these changes. 7. Get help if you need it. If you still are spending more than you are earning, get credit and budget counseling from a professional organization such as Consumer Credit Counseling Service. * Nancy Ashmore Is the regional director of the Consumer Credit Counseling Service of the Gulf Coast Area Inc. house or car repairs might occur unexpectedly. Include these expenses in your budget. To come up with a monthly figure to include in your budget, add up last year's total for these expenditures and divide by 12. 4. Make saving a priority. Set up a category in your budget for savings. Your long- Brazilians to see rival telephone companies RIO DE JANEIRO, Brazil — Open almost any newspaper these days and you'll see soap opera star Luana Piovani, advising that her number is 15. On television, her sultry rival Ana Paula Arosio invites viewers to "make a 21." The two actresses are pitching rival phone companies, a concept that was unthinkable until last July, when Brazil sold its mammoth government-owned tele- corns monopoly Telebras for $19 billion. On Saturday, private competition began in earnest. The government predicts, aside from confusion, consumers will receive unprecedented benefits and options in price, service and quality. GM retires Oldsmobile Cutlass nameplate DETROIT—The Oldsmobile Cutlass, the long-running nameplate that graced some of General Motors Corp.'s most popular cars in the 1970s and 1980s, was retired Friday, as the last of the slow-selling 1999 sedans rolled off the assembly line. In 1976, the Cutlass was the top-selling car in the nation and made Oldsmobile one of the hottest car lines. Back in those days, Olds sold more than 1 million cars a year. Last year, the division sold just 330,000 vehicles. Ford, GM report increase in U.S. sales DETROIT— Ford Motor Co. and General Motors Corp. reported that their U.S. sales edged up 1 percent in June, compared with their strong performances a year ago, as the auto industry continued its steady growth toward a record sales year. The companies reported Friday, that for the first half of the year, industry sales were up 7 percent. If sales were to continue at the same seasonally adjusted annual rate in the second half, the industry could sell 16.6 million cars and light trucks, well ahead of the record 16.1 million sold in 1986. The Associated Press Planners Continued from Page B8 "It lets people know that these aren't just dollars we're talking about," Carpenter said. "You really need to get educated not only on world events and the world economy, but you really need to get educated on these people, on what their concerns are." Michael Stein, a planner and retirement consultant, will conduct a session on how retirement affects a person's lifestyle choices, health, and social and personal relationships. "The profession is maturing and we really have gotten the numbers part down," Buie said. "We realize that projections are just projections and if you put too much weight on the projected numbers, you tend to lose some flexibility along the way." More importantly, planners are learning that one of the best ways they can enhance their value to clients is to help them reconcile their emotional goals with their financial goals. "They're asking their clients, What do you want from me and from your investments?' and they're getting very different answers than any of us imagined they would get," said Bob Veres, who publishes a newsletter in Mars Hill, N.C., for financial planners. "What people want is a better Me. Their investments are a tool to allow them to lead a better, more fulfilling life." In her financial planning practice, Buie uses a technique she created called the Financial Planning Life Path in which she ties together "the practical, financial elements of a client's life with the heart and soul issues of life to help make life as enjoyable as it can be." "It's a personal vision for what they want to do the rest of their life," she said. "It's a lot of'why 1 questions: List the things you want to accomplish in the next five years and tell us how you will accomplish that It's not just money goals." Planners have greater freedom to help clients explore the non-numbers part of their goals because more planners are being paid by fees and are therefore less beholden to the financial service firms that pay them commissions for selling their products, Veres said. "It's being driven by, Wow, I'm free from purely recommending investments because that's all I get paid for. I can do anything my clients want,"' he said. @ Distributed by The Associated Press. 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Funeral Home and Cemetery 21620 Gulf Freeway South - Webster, Exit NASA Road 1 281-332-3111 or 409-945-0193 Without cost or obligation, I would like tne following information. "Facts on Cremation" Booklet Cremation Memorial Gardens Lrocnure "Personal Protection Guide" Name Address Citv State Zip lone PL Mail to: Forest Park East, P.O. Box 670, League City IK 77574, Ate. Mike Number in Family UTMB Senior Services Office SageSource Programs for Older Adults UTMB The University of Texas Medical Branch at Galveston PAHWT * BODY * Free Estimates 12 Years Experience • Inmranee Claims • Can W«rk With totnstut SENIOR NIGHT OUT Guests: Debra & Charlie Milton Musical Program: "We Are Texan Doodle Dandies!" Thursday, July 8,1999 5p.m. to 7 p.m. UTMB - Levin Hall IKh and Market Streets, Galveston PRICE: $8 BAY AREA COMMUNITY OUTREACH Speaker: Ed Langlois, LMSW Program Topic: "Stress and Mental Health" Friday, July 16,1999 9a.m.-10a.m. Bay Area Community Center 5002 NASA Rd 1, Clear Lake PRICE: FREE uhv.1999 DIOTNSON COMMUNITY OUTREACH Speaker. Margaret Canavan, Ph.D. Program Tbpic: "Managing Stress" Tuesday, July 20,1999 11:30 am.- 1pm. First United Methodist Church 200 FM 517, Dickinson PRICE $2 LEARNING LUNCH Speaker: Phyllis Kritek, R.N., Ph.D., FMN Program Topic: "Healing Yourself" Thursday, July 22,1999 11:30 am.-1p.m. Ramada Inn 5201 Gulf Freeway, La Marque PRICE: $5 Need Healthcare Information? CALL Health Information Library (409) 747-8800 A phone-accessible system designed to increase your awareness and understanding of well over 1000 specific health issues and services. Don't miss the "ONWARD AND UPWARD" Senior Radio Hour KGBC 1540 AM RADIO every Wednesday at -T0tT NEW TIME-12:30 p.m. ^ r Hosted by Marc Weiss July 7 I Can See Clearly Now, The Surgery's Done Stefan Trocme, M.D. July 14 Caring For Your Grandchildren Cynthia A. Judice, M.D. July 21 End of life Care: Is It Medical or Spiritual? Ronald A. Carson, Ph.D. July 28 Promoting Good Health the Healthy Way David Haber, Ph.D. SPANISH RADIO PROGRAM "ADEIANTEyARRIM" Wednesdays on KGBC-AM 1540 at 7 PM The bi-weekly program hosted by Luis Postigo, M.D. and lino Gonzalez features valuable health and wellness information for Spanish-speaking adults. Tune in Wednesday, July 7th and Wednesday, July 21st at 7 p.m. for our regular live broadcast from Open Gates, For more information or reservations, please contact the UTMB Senior Services Office at (409) 747-2142 or toll free at (888) 887-6800. h%y/s^esite.utmb.edu ANNOUNCEMENT!!! 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