Issue link: https://www.epageflip.net/i/392281
Trythis:Addup your monthly ex- penses and deduct the total from your monthly income. Hey, not bad! You should have plenty of money with some left over. So why is there never enough? The answer is your selective amnesia. Most of us suffer from it. We conveniently don't remember expenses that don't recur every month. It's easy in March to forget about summer vacation, back-to-school clothes, wedding and shower gifts, new refrigerators or myr- iad other inevitable ex- penses. The solution is to make all of your expenses as predictable as the rent, phone and cable TV bill. I call my solution a "Freedom Account." It forces us to anticipate ir- regular expenses so we can finance our own emer- gencies. If you remember Christ- mas Club Accounts, you'll understand my Freedom Account. Basically you de- termined how much you would need for Christmas shopping. You authorized the bank to transfer 1/52 each week (or 1/12 if you did it monthly) from your checking account to your Christmas Club Account. It was painless because you didn't miss money you didn't see and the results were huge. You got a big fat check in the mail for holiday shopping. Step 1: Determine irreg- ular expenses. Make a list of your non- monthly expenses and an annual amount for each (estimate if you don't know). Divide by 12. This is the amount you need set aside each month. For ex- ample: Auto Maint $900/yr / 12 = $75/mo. Auto Ins $540/yr / 12 = $45/mo. Christmas $800/yr / 12 = $66/mo. Property Taxes $600/yr / 12 = $50/mo. Vacation $720/yr / 12 = $60/mo. Clothing $600/yr / 12 = $50/mo. Total $346/mo. Step 2: Open another checking account. You must have two ac- tive checking accounts for this to work, and you will need personalized checks for it, too. Continue to de- posit your pay- checks into your regular checking account. Step 3: Autho- rize an automatic deposit. Using your bank's money transfer authori- zation service, fill out the necessary form to instruct the bank to trans- fer the monthly total (in the example it is $346) from your regular check- ing account into your Freedom Account. Step 4: Get a notebook. Any 3-ring binder will do, or you could do this on your computer or mo- bile device. You want a separate page for each of your categories to record its specific activity. At the top of the page write the name of that sub-account and the amount to be de- posited into it each month. I keep my accounting very simple. I can see at a glance the balance in each of my sub accounts. Step 5: Manage your Freedom Account. You have a new monthly expense, in our example it is $346. Like your car pay- ment, your rent or your mortgage, you know it's coming, you know how much it's going to be and it will become comfort- able. It will take you about five minutes each month to manage your Freedom Account. You will want to make sure you have a cur- rent balance in each sub account that reflects the deposit and any checks you've written during the month. The secret to breaking your dependence on credit cards is to begin antici- pating your irregular ex- penses. Developing your own Freedom Account is a perfect way to do that. The Freedom Account is one of the 5 Core Ele- ments of Debt-Proof Liv- ing (www.debtproofliv- ing.com), and a complete chapter in the brand new third edition of my book "Debt-Proof Living." Get your autographed copy at DebtProofLiving.com or find it at Amazon. Wouldyouliketosend a tip to Mary? You can email her at mary@eve- rydaycheapskate.com, or write to Everyday Cheap- skate, P.O. Box 2099, Cy- press, CA 90630. EVERYDAYCHEAPSKATE Anticipateyour way to freedom Shasta College Commu- nity Education will be of- fering an 8-hour Fireline Safety Awareness course for private hired equipment vendors to satisfy Cal Fire and the Federal Wildland Fire Agencies generic hir- ing requirements for hired equipment vendors. Class will be held from 8 a.m. to 5 p.m. on Satur- day, Oct. 18. Pre-registra- tion is required. Course fee is $80. Card will be issued same day to those who successfully complete the course. Any private contractor or person employed by a pri- vate contractor who desires to participate in a wildland fire and may be subject to assignment on the fire line must complete this annual training. At times when the equip- ment needed to control an emergency incident exceeds the resources of Cal Fire and the Federal Wildland Fire Agencies, the agencies hire the equipment and ser- vices of the private sector to supplement its own re- sources. For registration infor- mation, visit www.shasta- college.edu/communitye- ducation, click on "Com- munity Ed Classes Catalog and Registration" or con- tact the Community Edu- cation office at (530) 339- 3662 or Comm-Ed@shas- tacollege.edu. SHASTA COLLEGE FirelineSafetyAwareness course for hired vendors Mary Hunt The Resource Conser- vation District of Tehama County (RCD) is one of five entities statewide that re- ceived funding through the 2014 California Con- servation Innovation Grant (CIG) administered by the USDA Natural Re- sources Conservation Ser- vice. The RCD's project will use the $75,000 award over the course of three years to provide agricultural water efficiency education and to create and demonstrate the use of a new mobile ap- plication to help growers make informed irrigation decisions. This mobile application will provide an easy-to- use interface where irriga- tors can retrieve and apply evapotranspiration rates (ETo) and crop water use rates (ETc) in real-time to support irrigation schedul- ing decisions using smart- phones or tablets while in the field. In addition, project funding will be used to de- velop a network of leaders who can help spread infor- mation about new irriga- tion techniques and tech- nologies. CIG invests in pioneer- ing, on-the-ground conser- vation approaches that will make natural resources conservation more effec- tive and efficient state- wide. The CIG funds will help advance the RCD's popu- lar Mobile Irrigation Lab (MIL) program conducting field evaluations and cus- tomized reports to grow- ers highlighting efficient irrigation and energy use practices. The MIL has performed nearly 90 irrigation evalu- ations this season and has averaged 77 evaluations per year over the previous 4 years. The MIL is just one of the many RCD services of- fered to community mem- bers, property owners, ag- ricultural producers, and educators in managing, conserving, and improv- ing the natural resources of Tehama County. To find out more about this project and other pro- grams including group ed- ucational presentations, fuel break management for fire safe communities, rotowiper precision herbi- cide application equipment rental, GIS mapping, and habitat restoration, call the Resource Conservation District of Tehama County at (530) 527-3013 or visit te- hamacountyrcd.org. CONSERVATION Gr an t to e xpa nd a g wa te r effi ci en cy p ro gr am Today REDBLUFF Bingo:doorsat5p.m.,early birds at 6p.m. Community and Senior Center, food available Celebrate Recovery: 7 p.m., Bethel Assembly of God, 625Luther Road, 527- 0445or 366-6298 Red Bluff Rotary Club Sunrise: 7a.m., M&M Ranch Corning Car Show: 5-9p.m., Bar- tels Giant Burger, 22355 Corning Road, local car clubs welcome, 824-2788 Nutrition classes: 11:30 a.m. - 1p.m., Family Re- source Center, West and South streets, 824-7670 LOS MOLINOS Los Molinos Grange: 7 p.m., Grange Hall, 68th and Singer avenues, 529-0930 Narcotics Anonymous: 7-8p.m., 25204Josephine Ave, Wednesday and Friday Saturday RED BLUFF Frontier Village Farmers Market: 8a.m. to 1p.m., 645Antelope Blvd. TEHAMA Tehama County Museum: 1-4p.m., 275C St., group tours any day by appoint- ment, 384-2595 Sunday RED BLUFF AA Live and Let Live: noon and 5:30p.m., 785Musick St., seven days a week except Thursday meets at 8p.m. Al-Anon New Comers At Heart: 6:30-7:30p.m., Presbyterian Church of Red Bluff, 838Jefferson Road, Room 2, 941-6405 Knights of Columbus All- You-Can-Eat Breakfast: 8a.m. to noon, $5adult, $3 child or $12family, Sacred Heart Parish Hall, 2285 Monroe St., 528-1991 TEHAMA Tehama County Museum: 1-4p.m., 275C St., group tours any day by appoint- ment, 384-2595 Monday RED BLUFF Bend Jelly 4-H: 6 p.m.,Bend School, 527- 3101 Community Band re- hearsal: 7-9p.m., Red Bluff Presbyterian Church, 838 Jefferson St., New mem- bers welcome, 527-3486 Diabetic Support Group: 6-8p.m., St. Elizabeth Community Hospital, Coyne Center,Columba Room, Gail Locke 527-5290 English as a Second Lan- guage class: 5:30-8:30 p.m., Red Bluff High School Adult Ed building, 1295Red Bud, 736-3308, same time Tuesday and Wednesday and 9a.m. to 12:20p.m. Thursdays, free childcare from 9a.m. to 12:20p.m. classes in Richlieu Hall, 900Johnson St. Head Injury Recreational Entity: 10a.m.-2p.m., St. Elizabeth Community Hos- pital, Coyne Center, Rusty, 529-2059 Key to Life: 6p.m., Fam- ily Resource Center, 220 Sycamore St. Ste. 101, 528-8066 Narcotics Anonymous: 11 a.m. to noon, 838Jeffer- son St., Room 3, Monday through Saturday and 5:30- 6:30p.m. Saturday Narcotics Anonymous: 7-8:30p.m., 785Musick St., every day except Thursday Nutrition classes: 10:30 a.m. to noon, 220Sycamore St. #101 PAL Martial Arts: ages 5-18, 3-5p.m., 1005Vista Way, Ste. C, free, 529- 7950 Salvation Army Writing Class: 9:30-11:30a.m., 940Walnut St., 527-8530 Senior Writing Class: 10 a.m. to noon, Sycamore Center, 220Sycamore St., 527-5762 Sons in Retirement: 11:30 a.m., Veterans Memorial Building, 529-5700 Sun Country Quilters Community Service Group: 9a.m. to noon, Family Resource Center, 220Sycamore St. Ste. 101, 528-1126 TeenScreen Mental Health Appointments: 10 a.m. to 2p.m., free, by ap- pointment only, Youth Em- powerment Services, 1900 Walnut St., 527-8491, Ext. 3012 TOPS Club (take off pounds Sensibly): 8:30 a.m., First Christian Church, 926Madison Ave., 527- 7541or 347-6120, visit www.tops.org US citizenship prepara- tion class: 5:30-8:30 p.m., Red Bluff High School Adult Ed building, 1295Red Bud, 736-3308, same time Tuesday and Wednesday Venture Crew 1914meet- ing: 6:30-8p.m., Moose Lodge on 99W, coed ages 14-20welcome CORNING Alcoholics Anonymous: noon Monday through Friday, 5p.m. Thursday, 7 p.m. Monday, Tuesday and Saturday and 1p.m. Sunday, 783Solano St., behind the church Exchange Club board meeting: 7p.m., Holiday Inn Express Narcotics Anonymous: 7-8:30p.m., 820Marin St., 824-114or 586-0245, meetings daily Sewing class, 9a.m., Family Resource Center, West and South streets, 824-7670 Spanish Adult Education: 5p.m., Family Resource Center, West and South streets, 824-7670 Strategies for Success, Life Skill classes: 1:30 p.m., Family Resource Center, West and South streets, 824-7670 Weight Watchers: weigh in 5:30p.m., meeting 6 p.m., Senior Center, corner of South and Fourth streets LOS MOLINOS Senior Dance: 7p.m., Senior Center, Josephine Street, 384-2100 Tuesday RED BLUFF American Legion Mt. Lassen Post 167: 7p.m., Veterans Memorial Hall, 735Oak St. City Council: 7p.m. City Hall, 555Washington St. Cribbage Club: 6p.m., Cozy Diner, 259S. Main St., 527-6402 Fiber Arts Group: 5-8 p.m., library, 645Madison St., 528-8667, free Fun Senior Aerobics: 8-9a.m., $1, Community Center, 1500S. Jackson St. 527-8177 Healthier Living with Chronic Conditions: 5:30- 8p.m., St. Elizabeth Com- munity Hospital, Wright Room, 888-628-1948 PAL Kickboxing: 6p.m., 1450Schwab St., 529- 8716or 200-3950 Penny Bingo: 9:30a.m., Community Center, 1500S. Jackson St. Pinochle for Seniors: 12:30p.m. to 3:30p.m., 1500S. Jackson St., free, 527-8177 Red Bluff Derby Girls open tryouts and prac- tice: 6:30p.m., Tyler Jelly building at Tehama District Fairgrounds Red Bluff Rotary: noon, Elks Lodge Take Off Pounds Sensi- bly - TOPS: 10a.m., First United Methodist Church, 525David Ave., 824-0556 or 529-1414 Tehama County and Red Bluff Landfill Manage- ment Agency: 8a.m., board meeting, 727Oak St. Tehama County Board of Supervisors: 10a.m., board chamber, 727Oak St. Tehama County Tea Party Patriots: 6p.m., Grange Hall, 20794Walnut St. WWE self defense train- ing for women: 5:30-7 p.m., 1005Vista Way, Ste. C CORNING Bible reading and noon day prayers for the com- munity: 12:15p.m., St. Andrews Episcopal Church, 820Marin St. Sr. Warden Charles Rouse, 824-2321 Corning Community meeting: 7p.m., Maywood Middle School, 1666Mar- guerite Ave. Corning Recreation Com- mission: 7:30p.m., City Hall, 794Third St. ESL/Citizenship classes: 9a.m. - 11a.m., Family Resource Center, West and South streets, 824-7670 Dance with Juana: noon to 1p.m., Family Resource Center, 1488South St., 824-7670 Soccer training: 4-6p.m., Woodson School Soccer Field, 150N Toomes, 824- 7680 COTTONWOOD Bowman 4-H: 7p.m., Ev- ergreen Elementary School Gym, 527-3101Los Molinos Bingo: 4:30p.m. dinner, early birds 6:15p.m., regular session 6:30p.m., Veterans of Foreign Wars Hall, 7900 Sherwood Blvd., 384-2738 LOS MOLINOS Cemetery District: 8:30 a.m., 25096Ta St., 384- 1864. CALENDAR Sensei Jeremy Rowley, long-time student and now one of the instructors of Te- hama County PAL Martial Arts, teaches basic stances with punching, striking and kicking, which prepares the students for the belt ad- vancements and tourna- ments. Sensei Terry Shackleford teaches the Tracy's Kenpo Karate style on Thursdays, which prepares the stu- dents for karate tourna- ments. PAL Martial Arts teaches discipline with kindness and empathy, as the most ancient of martial arts did over the centuries. The dojo is at 1005 Vista Way, Ste. C, next to the Red Bluff Airport. Classes are held 3-5 p.m. Mondays and Thursdays. Call PAL at 529-7950 or visit http://www.tehamso. org/ for more information. PAL Martial arts training continues COURTESY PHOTO Students learn basic stances, punches and kicks during a recent class of the PAL martial arts program. 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