Issue link: https://www.epageflip.net/i/434960
Buyingthe things you need when they are on sale is a great way to avoid over- spending. But un- less you are dili- gent to take the difference between the regular price and the sale price and actually deposit that into a savings account, are you really saving money? Nope. You're just spending less. And you can "spend less" right through your entire paycheck. While being careful to keep spending under con- trol is admirable, it's easy to fool yourself that you're a money-saving genius, when in truth you're still spending through your paycheck wishing you made enough money to save some of it. Getting started with ac- tual savings can be diffi- cult if you have a spend- ing habit, a small budget or some of each. The way to remove the pain is to trick yourself into think- ing you're not really sav- ing that much. Check out these tricks and get started today. Call it a bill. This may sound silly, but just go with me here. Creating a new monthly bill you are obligated to pay and call it "Paying Myself First." Put it at the top — ahead of the rent, food or phone bill. Your smallest bill will soon become your favorite. Save all $1 and $5 bills. Whenever you get a $1 or $5 bill, save it. Make this your new personal rule. You do not spend $1 or $5 bills. Ever. Just find a cool place to stash them and don't look back. You are going to be amazed how quickly your savings will add up — especially if you receive tips in your job. Can't do both? Start by saving $1 bills then. Save all coins. This could be an alternative or addition to saving pa- per currency. Think this couldn't possibly turn into anything useful? Think again! In just one year my hubs and I saved more than $1,100 in coins. We were shocked because it was so painless. Try it, but make sure you are diligent. Just do not spend coins, period. Make payments to yourself. Once you make that last car, credit card or other pay- ment, celebrate lightly, and then just keep mak- ing the same payments. But make them to your- self — straight into your savings account. After all, you're used to not having that money to spend, so just keep living without it. Tricky, no? Coupon savings. As you leave the supermarket so proud of yourself for all of your coupon savings, make a note of the exact amount you "saved." Now really save it by depositing that exact amount into your savings envelope, drawer or account. Fifty-two-week chal- lenge. This is cool. You'll need a yearly calendar to pull off this trick. Look at each week as its place in a year. Now save the number of dollars in that week that correspond to its place in the year. For example, the first week in January you save $1, second week in January you save $2, and on. By the end of January you will have saved $10 ($1 +$2 +$3 + $4=$10). Then the first week in February you must save $5 because it is the fifth week of the year. Continue without fail throughout the year and you will have saved more than $1,000. You don't have to wait until January to get started. Just figure out where you are right now in the year, and save that corresponding amount. So much fun. 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 Trick yourself into saving money Mary Hunt PLEASE RECYCLE THIS NEWSPAPER. Thankyou! CHICO Northern Valley In- dian Health is proud to an- nounce the launch of its newly established website that not only reflects a re- freshed and redesigned branding look, but also provides patients with im- proved information gath- ering, enriched function- ality and the ability to re- ceive regular updates and notifications about impor- tant healthcare plans and providers. The new website will also allow patients to learn about the comprehensive healthcare services offered at NIVH, access NVIH's community newsletter and view current job openings, among other features. "As Northern Valley In- dian Health clinics con- tinue to grow and support more and more patients throughout our local com- munities, we felt it neces- sary to enhance our cur- rent website and work to provide all patients with a valuable resource that re- flects all of the heatlh ser- vices NVIH has to offer," said Inder Wadhwa, execu- tive director. "NVIH welcomes all pa- tients and encourages those interested to visit our web- site to locate our clinics and learnmoreaboutourcompre- hensive healthcare services." NVIH is working to de- velop a new website feature that will allow patients to request a call-back to sched- ule appointments and se- cure access to patient re- cords and documents through a patient portal online. To view NVIH's newly re- branded website, visit www. nvih.org. NORTHERN VALLEY INDIAN HEALTH Interactive website launched for patients DAILYNEWSPHOTOBYCHIPTHOMPSON Decorationsat14388St.Mary'sAve.inRedBluff.Otherlightingdisplaysofnoteinclude37RioVistaLaneand 12121 Craig Ave. If you would like your Christmas display to be considered for publication, send your address and, if possible, a photo to editor@redbluffdailynews.com. HOLIDAY SPIRIT St. Mary's Christmas display Online: To view NVIH's newly rebranded web- site, visit NVIH.ORG. CALL SANTA AT THE NORTH POLE Let your Appreciated Stock help St. Elizabeth Community Hospital Benefits: • You receive full donation credit that provides an immediate income-tax deduction. • You pay no capital-gains tax on the donated securities. • Giving appreciated stock could be more beneficial than giving cash. • Another option is to fund a life-income gift that benefits St. Elizabeth Community Hospital later such as a Charitable Gift Annuity (CGA). A CGA provides life-time income, an immediate income tax deduction, and future support of St. Elizabeth Community Hospital. How it works: You or your financial consultant may transfer appreciated securities directly to Mercy Foundation North. The securities are sold and benefit the program or project of your choice at St. Elizabeth Community Hospital such as St. Elizabeth Hospice. Transfers are easy and can be done quickly, just in time for year-end tax benefits. For assistance in making a gift of securities or if you have additional questions, please call Mercy Foundation North at 530.529.8016. Mercy Foundation North is sponsored by the Sisters of Mercy and raises funds to support St. Elizabeth Community Hospital. 100% of contributions are used as directed by the donor. Visit our website at www.supportmercynorth.org. 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