Issue link: https://www.epageflip.net/i/115486
3A Life's money rules 4: Anticipate irregular expenses Friday, March 15, 2013 – Daily News Local Calendar Submit calendar items to P Box 220, Red Bluff, 96080 .O. or clerk@redbluffdailynews.com. FRIDAY, MARCH 15 Red Bluff Celebrate Recovery, 7 p.m., Bethel Assembly of God, 625 Luther Road, 527-0445 or 366-6298 Reeds Creek School Board, 1:30 p.m., 18335 Johnson Road, library Corning Car Show,5-9 p.m., Bartels Giant Burger, 22355 Corning Road, local car clubs welcome, 824-2788 SATURDAY, MARCH 16 Red Bluff BMX racing, 5:30 p.m., Red Rock BMX Track, Tehama District Fairground, $10 Frontier Village Farmers Market,8 a.m. to 1 p.m., 645 Antelope Blvd. EBT accepted Weight Watchers meeting, 8 a.m., 485 Antelope Blvd. #N, 1-800-651-6000 Los Molinos Senior Dance, 7 p.m., Senior Center, Josephine Street, 384-2100 Tehama Tehama County Museum, 1-4 p.m., 275 C St., group tours, call 384-2595 Paskenta Corned Beef and Cabbage Dinner and Auction, 5 p.m. doors, 6 p.m. dinner, Paskenta Community Hall, $15 adults, $5 ages 6-12, free 5 and younger, bring dessert, 833-5308 If I asked you to stop what you're doing, add up your monthly expenses and deduct the total from your monthly income, I can nearly predict the result. You'd look up with a big smile on your face. There it is, proof that you spend less than you earn. Your income is greater than your outgo. You've nailed Rule 1 in my book, "7 Money Rules for Life: How to Take Control of Your Financial Future." At first glance, your list looks reasonably thorough. But it is not complete. The mystery for many people is if their spending is so much lower than their income, why can't they get through an entire month without using credit to cover unexpected expenses, like medicine for a sick child, a semi-annual insurance premium or a family birthday party? Most people, without actually thinking things through, assume their necessary expenses are those they pay every month. But not all necessary expenses recur as systematically as the rent, grocery bills and car payments. And that is why Rule 4 in my book is: Anticipate Irregular Expenses, Then Prepare Accordingly. Monthly expenses we pay for every month are generally not the problem. Somehow the rent and utilities get paid and the family gets fed. The problem is irregular month one-twelfth of that total gets expenses. The purpose of Rule 4 deposited into your Freedom is to plan ahead for irregular Account. I can't tell you how many people and even unexpected expenses in the same way I've heard from who tell me the Freedom Account has truly you anticipate the brought freedom to their expenses that you financial situation. Instead are keenly aware of being surprised by of each month. things such as car repairs But if these expenses and Christmas, they're preare irregular or intermitpared, funded and ready to tent, how -- you ask -go. And all because they're can you anticipate them? smart enough to plan ahead The way to do that is by by saving just a little bit looking at the past year. every month. And what better time to If you missed reading do that than now, while about the first three rules, you're reliving 2012 in Mary Spend Less Than You preparation for tax time? Earn, Save for the Future Your credit card stateand Give Some Away -ments and check regisvisit my blog at Everydayters will help jog your Cheapskate.com, and memory of car repairs, click on "Mary's Perspecinsurance policies, sumtive." We'll be talking mer camp, seasonal about each of the seven sports and property rules over the next couple of taxes, to name just a few. The next step is determining how months. much you'll need to save to fund Mary Hunt is the founder of these expenses throughout the year. www.DebtProofLiving.com and As part of the debt-proof living plan, I created a budgeting tool that author of 23 books, including her works on the same principle as a 2012 release, "7 Money Rules for Christmas Club Account. I call it Life." You can email her at the Freedom Account. Once you mary@everydaycheapskate.com, determine how much you will need or write to Everyday Cheapskate, for your yearly irregular expenses, P.O. Box 2099, Cypress, CA you divide that number by 12. Each 90630. Hunt Everyday Cheapskate St. Patty's Day celebration in Redding St. Patrick's Day Downtown is a one-time SUNDAY, MARCH 17 event sponsored by the Active 20-30 Club and co-sponsored by Shameless O'Leary's Irish Pub Kelly-Griggs House Museum, 1-3 p.m., 311 and Eddie Axner ConWashington St., group tours by appointment, 527- struction. 1129 or 527-5895 WHEE Picnic and Prayer Circle, 4:20 p.m., 22116 Riverside Ave. Red Bluff The event is from noon to 4 p.m. on Sunday, March 17 in the Market Street Promenade. The entry fee is $10 per person. Each entrant will receive five beer tickets to be used at the beer garden. The event will host the talents of the Ellis and the Alchemists band for some Celtic tunes. Then the Jefferson Pipe Band will start at 2 p.m., with an authentic bag- pipe performance. You must be age 21 or over to attend this event. For questions, please contact Cameron Middleton, at 530-3567106. American Legion corned beef luncheon Corning Red Bluff American Legion, Mt. Lassen Post 167, is holding a Evangelist services, 7 p.m., Family Bible Church, corned beef and cabbage luncheon 609 Marin St., 824-9989 from 11 a.m. to 3 p.m. on Sunday, March 17 at the Veterans Memor- Tehama Tehama County Museum, 1-4 p.m., 275 C St., group tours, call 384-2595 MONDAY, MARCH 18 Red Bluff Al-Anon New Comers At Heart, 7-8 p.m., North Valley Baptist Church, 345 David Ave., 690-2034 English as a Second Language class, 5:30-8:30 p.m., Red Bluff High School Adult Ed building, 1295 Red Bud, 736-3308, same time Tuesday and Wednesday and 9 a.m. to 12:20 p.m. Thursdays, free childcarefrom 9 a..m. to 12:20 p.m. classes in Richlieu Hall, 900 Johnson St. Gastric Bypass Support Group, 6 p.m., St. Elizabeth Community Hospital, Columba room, 529-3066 Head Injury Recreational Entity, 10 a.m., St. Elizabeth Community Hospital, Coyne Center, Rusty, 5292059 Key to Life, 6 p.m., Family Resource Center, 220 Sycamore St. Ste. 101, 528-8066 Masterworks Chorale rehearsal, 6:45-8 p.m., Presbyterian Church, 838 Jefferson St., 527-4203 PAL Martial Arts, 3-5 p.m., ages 5-18, 529-7920, www.tehamaso.org Red Bluff Community Band Practice, 7-9 p.m., Presbyterian Church, 527-3486 Retired and Active Federal Employees, 11:45 a.m., Red Bluff Community Senior Center 1500 S Jackson St., call Karen at 585-2494 Red Bluff Senior Writing Class, 10: a.m.noon,,Executive Room at Sycamore Center, 220 Sycamore St., 527-5762 Salvation Army Writing Class, 9:30-11:30 a.m., 940 Walnut St., 527-8530 Sun Country Quilters Community Service Group, 9 a.m. to 3 p.m., Family Resource Center, 220 Sycamore St. Ste. 101, 528-1126 TeenScreen Mental Health Appointments, 10 a.m. to 2 p.m., free, by appointment only, 1900 Walnut St., 527-8491, Ext. 3012 Tehama County Military Family Support Group, 6 p.m., Countryside Cafe, 638 Washington St., 5292416 TOPS Club (take off pounds Sensibly), 8:30 a.m., First Christian Church, 926 Madison Ave., 5277541 or 347-6120, visit www.tops.org US citizenship preparation class, 5:30-8:30 p.m., Red Bluff High School Adult Ed building, 1295 Red Bud, 736-3308, same time Tuesday and Wednesday Venture Crew 1914 meeting, 6:30-8 p.m., Moose Lodge on 99W, co-ed ages 14-20 welcome Women's Domestic Violence Information and Support Group, Spanish speaking, call for time and location, 528-0226 Cottonwood Cottonwood Garden Club Meeting, 10 am Cottonwood Community Center, 20595 Gas Point Road, Presentation "Basic Bonsai" by Carmen Scott, Potluck Lunch to follow meeting, 347-1281 Gerber Gerber Union Elementary School Board, 6 p.m., school resource center ial Hall, 735 Oak St., in Red Bluff. Tickets are $7.50 at the door. Money will go to help fund the American Legion for community events. Come show your support for our local veterans and their families by attending. For more information call 528-1026. Forest Service retiree breakfast a success On a snowy March 6 morning, 15 Forest Service retirees met with Forest Supervisor Jerry Bird to hear the latest news about agency operations, efforts to streamline the forest organization and fire salvage activities. Forming a retiree group was the brainchild of retiree Larry Cabodi of Standish, who wanted to hear firsthand about what's happening on the Lassen National Forest. During the gathering, Cabodi shared why he felt getting this group together was important. The following captures highlights of the group's discussion at the breakfast meeting regarding its objectives and goals: keep informed about current Forest Service activities and projects, be an advocacy group for the forest to provide useful feedback and mentor new and existing employees. Police reports witnesses saw a woman leaving the area with similar bikes within the last 20 minutes. An area check was made, but officers were unable to locate the woman. The following information is compiled from the Red Bluff Police Department, Tehama County Sheriff's Department, Corning Police Department and California Highway Patrol. Arrests • Michael Frank Banuelos, 38, Red Bluff was arrested for felony false imprisonment with violence and misdemeanors of two counts of battery of a spouse, a probation violation, domestic violence fee, battered women's shelter, failure to appear and public intoxication. Bail was $56,500. • Clinton Keith Cullum, 37, Cottonwood was arrested for two charges of failure to appear on a felony charge. Bail was $55,000. Prowler Someone on the 16000 block of Lone Pine Road reported hearing someone prowling around outside around 3 a.m. Wednesday. Theft • A 62-year-old woman reported more than $1,000 in out of state charges were made to her credit card. • Someone reported Wednesday in the area of North Street in Corning the theft of a red child's bike and purple mountain bike from a residence. The reporting party said The fledgling group made a couple of decisions at this initial meeting. First, it will continue outreach to other Forest Service retirees by networking both locally and regionally, including making contacts with retirees from other northern California forests and the PSW Research Station. The group also made the decision to meet quarterly to share key topics of interest. The next meeting is Through the Newspapers in Education program, area classrooms receive the Red Bluff Daily News every day thanks to the generosity of these local businesses & individuals. A 21-year-old woman called the Tehama County Sheriff's Office Wednesday night to report a prowler she could see outside her home in a vehicle. A few minutes later the woman reported it wasn't a prowler, but a family member she hadn't been expecting over. TEHAMA COUNTY DAILY NEWS RED BLUFF Unexpected planned for May 1 and will include such topics as selecting a name for the group, developing additional key objectives, creating a newsletter, planning a possible field trip, and having fun, of course. If you're interested in learning more or wish to be a part of this dynamic new group, please contact Laurie Tippin at 99ltippin@gmail.com or Larry Cabodi at 530254-6336. 885 NTY S I N C E 1 TEHAMA COU E VOICE OF THANK YOU FOR SUPPORTING NEWSPAPERS Vandalism A resident on the 9000 block of Riverview Avenue reported three of the tires on her vehicle were slashed Tuesday night causing $300 in damages. Jumped Eurcle Williams reported at 12:08 a.m. Wednesday that he was being jumped in the area of Interstate 5 and Gyle Road. Squatters? The owner of Affordable Mini Storage on South Street in Corning reported Wednesday hearing from a City Hall employee that subjects are possibly living in the mini storage at night. He requested extra patrol during nighttime hours and advised that no one is allowed to live in the storage facility. • WARNER ELECTRIC • HINKLE ROOFING & CONST. • THE GOLD EXCHANGE • RED BLUFF HEALTH CARE • LUIGI'S PIZZA • TEHAMA ESTATES • RED BLUFF AUTO DISMANTLING • BRETNEY SUTTERFIELD • OLIVE CITY QUICK LUBE • EDWARD JONES, CORNING • WALMART • ETZLER FINANCIAL & INSURANCE • ADOBE ROAD CHEVRON • LEPAGE COMPANY, INC. • CORNING AUTO CENTER • OLIVE CITY TAX PROFESSIONALS • DM TECH HIGH SPEED INTERNET • PLACER TITLE COMPANY • GARCIA CONSTRUCTION • AIRPORT AUTO REPAIR • INTER-CITY BODY & PAINT • KAY STEPHENS, MD • NORTH MAIN AUTOMOTIVE • GREENWASTE OF TEHAMA • RANCHO GRANDE RESTAURANT • LOUISIANA PACIFIC CORP. • SCHOOL HOUSE MARKET • TEHAMA COUNTY ASSOCIATION • TEHAMA CO. DEPT. OF ED. OF REALTORS • FIDELITY NATIONAL TITLE CO. • STEVE'S BACKHOE SERVICE • JOHN WHEELER LOGGING, INC. • GONZALES JUMPERS • TRIPLE R GAS PARTY RENTALS • LASSEN TAX PROFESSIONALS • HUHN ELECTRIC • RED BLUFF VISION CENTER • TEHAMA AUTO CENTER • DUDLEY'S EXCAVATING, INC. • JANETTE VOTAW ACUPUNCTURE • CALIFORNIA WALNUT CO., INC. Please help sponsor a classroom subscription Call Kathy at (530) 527-2151 to find out how.