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For most ttus, earning and spending money is the easy part, but saving it is mother matter. Flnanclel planner Grant Sylvester's book. The Money Jar: Save Your Way To Financial Freedom (Key Porter. 227 p. $16.95). explains how you am accumulate savings and plan your financial Mum. 8rhssteraa'tdthathehsttrmdhtmtoaavemany years ago when he. was advised to empty the changein hitspocuttottheenttofetttittdir, lntoe gktsalttr.TNtoitttplttamtmtttofattttingaatdtan amoutttotrttontrytoatxumuhtttandbtr"attvsd" led tormmtitophiitticatedattthngeplarts. Hereareatew of the tried and true pointers Sylveaer otters: . It'smmrrttxnattrtostttttafinancitgplan. Age20 is best, but it you wait until middle age to start one, " better than no plan at all. . Don't tuck all your savings in one big savings account. Have separate accounts, " travel. retirement, cMilmn's education. ' Try to anticipate how inflation will gobble up most of your savings in future years and try to minimize this loss. . Close your ears and eyes to the siren song of marketers. How many "extras“ do you need in order to feel socially acceptable? . Have an RRSP and understand how it can work for you and your particular needs. 'Consult tax experts when you reach a certain stage in your financial planning. . Don't let your. chequing account get too high. Transfer money On a regular basis to a savings-only account. . Don't talk yourself out of starting a savings plan with excuses. . Identity your “money personality." Do you fear that if you have a lot of money you could not manage Sylvester offers pt?tnons.ense route to financiarfreedorn Waterloo Showtime is bringing the Ottawa Benet to the University of Waterloo's Humanities Theat. m, February 9 at 8 p.m. The Watertoo performance is the only Canadian stop for the Ottawa Ballet during its 1991 Among several other works, the troupe win perform their famous Come Rain, Come Shine, com- bining the music ot Judy Garland with the many faces of love. Tammy Waterloo only stop in Ottawa Ballet 199rtpqr, alEiEijiiTs'g 516-8810 :24 'figttMtd M. w. “M110 'e' Former National Ballet of Cana- da Mar, Frank Augustyq, is the beliefs present Artistic Director and principle male dancer. Au- gustyn has performed interna- tionally as guest to the Berlin Opera Ballet and the Bolshoi Ballet. ' Kitchener native Stephanie Hutchinson will also perform. Twenty-year-old Hutchinson is a graduate of The National Ballet School of'Canada. HPat With our Dinner Express Specials Kids 10 & Under 99' eat for only When Adults buy any " complete dinner starting from $7.25. Daily from 4 pan! Marlos 725-9315 RIDE OUT THE KECESSION itproperiy.endioeeitaii?Doywependtoimpress. totmtbat*tttwurapouee,toatt-t,dtmhtt? . Beingemo6onalandimptthMttttttyttettttmctho sometimes, but not when it comes to money Temper your impulse spending sprees. 'BerMionttl.Doytouwashyrturottmcttrtotrave, andtttenpumttastttre-imtorit? . Have adequate life insurance commas for the riahtreasons. 'Cmditcardscanbedar9srousasstgiatrtirtartcial institutions that allow a high credit limit. Sylvetrtergttowshowtopltmabudoetwitha three-month plan. and proceed slep-by-step to overcome the problems that arise. His lists of categories will help you get a grip on how to save for short-term items. golf clubs. a new suit; medium-term items, house t$trwrtpayrmmt, new car, and longterm items. starting your own busi- ness. and retirement. How to cope with intiation, disability. tax problems and job loss are all dealt wlth in a no-nonsense. listen-up style. The overall message of this sell-help text is not how to become a millionaire, but how to manage money and not let it manage you. You can become a happier and more effective person if you master this juggling act. Mara Zavams is a Waterioo freelance writer. The Ottawa Ballet is ime of Canada“: beam stttalhrAttrtt" North America for combining vis- ion, talent and classical styb. Tickets for this exdusive per- formance are $21 for adults, $18.25 for students and seniors (GST intgu6edh They are avail- abIe through the Waterloo Show- tune Box office at 747-8765, the UW Theatre Centre at 885-4250 or any TicketMaster outtet. 60 Westmount Rd. N. Westmount Place Mall RESTAURANT I BAR Come in and visit our new showroom! Rent anything your heart desires. EMERrAt-raME.AErmEa0Ar,ar-ryar,mm-PMEE2B BUCK nun BOWL u-ttUtd/isis-AB-Fe-NN-tthi-ith) ENGLAND &WALES MAT21-dUNEs, 1991 Viatttt-tdfamousCt_o-Showplus 3casstte,2mrtl,2banrticandAeducatiortalgardens musEurrope'srttrttestmtailrtum-tdgar6ernmmtr'r and-sprite-deed-ttttfirmer" 14 PRINCESS ST. WEST, WATERLOO 886-2900 886-2370 At.oritmstantjttetrtmirrssmrirttteas,t-ietnmttg' BrttishtuntemWttterandBroat$caater,authorth1tihortr whumlbooks. "TripGdutses: London City Tour, Thames River Crunse and a whom day tree m London Fa mus mm to ' . " UPIOWN TRAVEL rt1ltiSliil mpttrtr+ NE ll f _- .. l = 104 Km Street South : I I w W- 91823.1?5 TR,AVFI _ ‘ “WWW “600.01 N2J IPS orcall't5ti088tF3320 WITHIN!) JIiCilriC,r), LIES . New ideas for 1991! Rock and Bowl takes place on Saturday nights from 10:00 pm. to 12 midnight and includes low lighting, LOUD ROCK & ROLL MUSIC, weekly prizes, etc. Opentopeople 19smarsofagelkover LICENSED UNDER L.L.B.O Limited Lana Available Reservations at 886-2900 gt7tr%725-517f.l. 1tittL 1788 Weber St. N. Waterloo -8.M.- MSW-