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N-WM! moot intomt ”mum-at.“ two-mm t: :tll.’ Avoid the avalanche of bills that come out of Christmas at m.- “xbtm to. gut...“ and to, mom to help you t'lljliy the season and the debt- start early and shop through the ' Limit credit purchases. I t Lilliltlltlllm that full mean your“ tree rnonthsthat follow. year when it's easier to make \1 . ‘ l\ Avoid impulse buys and keep l-Irlll‘tl .I\\.i\ with the flu“! ut giving the most hudgetconscious . \ \‘ , ‘ your cards in your pocket or tlllll spending llllllt' llttttl lllt‘ll budget-t can Ways to stretch your budget decisions. _\]( )\ | \ purse unless you intend to pay luau those lips can help you reduce (Iliristr - Be creative. (live crafty off the balance each month. in “out do “at...“ h.- oi hunt to pay tnascosts: “from the heart“ gifts like scrap- Don’t take cash advances on mm m out ”who“ tout,“ mg (hummus. c Spend smart. Make a list that matches books, recipe books or photo your credit card because you‘ll hrlr .m- .. in“ ‘h‘ll’l‘lllll Jud budgeting “l“ your budget and stick to it. For next year. albums. Use newspapers or a \ be charged interest from the day cheaper brown paper instead of . you take the advance until the expensive wrapping paper and a day you pay off the entire string or yarn instead of ribbon. 7' 5,. amount. If you are using your $ Reuse wrapping paper and gift _.. v.3! cards and do intend to pay them i » t bags from gifts given to you. ‘ off last. try to use cards that offer ' . - Seek out discounts. Take 6’ . reward points that can reduce advantage of limited time ‘ the cost ofgift purchases. . \ . , , . . offers. Check websites like Wag- 0 Make payments as soon as v .9 This otter is unusual so we ll keep it Simple. We d lag for money-off gift options. you can. lnterest is charged daily ' - Look for discount coupons so reduce your costs by paying ) [Ike you to experience Libra. Hard to do ”mess you online or in your newspaper. , promptly and always try to pay bank here. So we'll give $50 to any youth group or And don't forget to check out more than the minimum . . discounted merchandise at your retailers of amount owing. if your balance is growing, cause Cl your ch0Ice ll You take that Step Open an choice. stop using your credit card until you get that account with Libro. We'll get the $50 to the - Combine to save. Instead of buying balance undercontrol. , . individual presents for everyone in your A realistic Christmas shopping plan com~ organization you choose. Then we ll dazzle you family, get one present they cart use togeth- bincd with the right longvterm financial _ - a - - ‘ er. Or join with another family member to plan will ensure you have a merry, debt-free w‘m tee talmess and inspire you With Coaching. purchase “combined" gifts instead of going Christmas every year. * Sound lalr? That's what it means to be Libra. the“iridividual” (and more expensive) route. Here's a gift you can give to yourself â€"â€" financial security. Talk to your professional Us: credit wisely advisor about the best ways of unwrapping P W . .. : : , y. , . . . . . What is the real cost of a $200 gift when that precious gift. _ you pay for it with a credit card instead of Gel $50 ‘0 GlVe- - cash? if the annual interest rate on your ... . ”'f'd." card '5 22 per 9”“ and you make W 1711's column is provided by Mt'lizt‘hnietiraup Contact any i mm branch or VlSil llbl0.Ca/§IIII’I lor details. aluminum payénetttntl)‘: 5‘10 eachfirtt‘p‘ntg.ti’: PrimteWealthManagemenr. (bmlmmflg . ' 8 You "‘0 5 0 Pay Q C e McI-‘achnie. (IFRCHLA, mm at libro.ca/contactus g L I B K0 and your total [505‘ Wlll be $25l.43. That's 5194385-2360, ext. 2410,80") 1 -800-361-8222 moment not! why you should: www.mssmceachm’e.mm - V o “(W-u , -fw o . o o . . 0 share the Joy share the joy share the toy . fir ‘. - SUPPORT ABUSED WOMEN AND THEIR CHILDREN. 3% Extend,“ the hand of Especially , \ “omen". (lrisis Serum-s ofWatcrloo Region I“ friendship to our all . . . » operates two emergency shelters for abused » GIVE HOPE . . d “fig "“5 ‘\ women and their childrcnfinsclma House in J- , nc‘ghboprs m nee Helm), 89.30“ 01158 Kitchener and Haven Home in Cambridge. plus I d t ' '" regional Outreach services We are the onh agency of its "’ q . kind inhaicdoo Region Your financial support is critical in A V0 ’unte ona e The young womep & Chilgren we Support "‘l‘Y order for us to continue helping abused women and their ' _ 2'8327‘V“ apprecrate our VOIUmee‘Sq OWNS an community (hymn-"~541M- “(it)“ vault-nus gt , “ partners. For more information on our programs or to m make a donation: visit www.mwr.org www. eofiriendshlporg elf us. please W W or or call 519741-91!“ x2003 ‘ ' “Wm .0133.”th cal 519-743-0291. r ) I d R i . h V. w, l h ' Vl 3 ‘ Habitat Celebrating l . 1 I; r ~ 1 T c ater 00 C more c l" 3m... H331“ l _ , , ‘ . ' .. ,5 - ‘ . s. Mi it ,V , it encourages you to This could be your family! -. ‘C. A HOSPICE ' .-'- ~ ) ~ - H at ( 3 support th Chant), Own your own home /I , S I n r. , , u O ‘ - ‘ < - No down payment . {use m l‘ . t of your chorce this » .- .t . .> it. . . 1. . Intarsatfru mortgage . 3 s A, ‘ holiday season. - Maw , W 1) raw (”my mat but would. #133,133 1 ~_', . ~ preterm, isycmorW .- FEW 1.“ ~W‘ ~ .3, ”.7“ -_‘ ~ “a.“ 4" .. ' V ' - "" ‘ -: .. t - ,. . . . - f. A rmvrwwmutwymm ‘~ :1 - f -- "“ “.7- e' “ .' ' " ‘ “ , A» ’2": tmmmszso,0o0 954500 .‘ '! . I- ‘ . ." I - ~ - ‘ ’ ‘ iyeuwiabim that work-i ,4 5 . - _ - ' t ‘ ‘i - i ’ " " ~ 5 : a. if" '- ‘ -” . ‘- KW.W519-7$7‘0064 moat» Wu