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Four girls answered the call to compete to be cho- sen Queen for the 73rd An- nual Stonyford Rodeo, held at the Colusa Western Days on Saturday, April 2. The competitive riding event began with last year's Queen, Teresa La Grande, settingthepaceandshowing this year's competitors how the riding should be done. This year contestants are: Michaela Decker, who is 18 and lives in Redding. She attends Shasta Char- ter Academy, and plans to study cosmetology. She also plans to continue compet- ing in rodeo events and hopes to become Miss Ro- deo America. Thesecondrider wasSha- nia Beets, who is 17,lives in Loma Rica and attends Marysville High School. She is an FFA member, raises a hog and shows her at the Yuba County Fair. She loves rodeo and competes in sev- eraleventsatherhighschool. ThethirdchallengerisCrys- tal Newborn, who is 23 and lives in Pleasant Grove. She is abarrelracerandcompetesin drivingdrafthorses.Sheworks for her family at their Top Hand Ranch Carriage Com- pany and hopes to take over thecompanysomeday. The fourth contender was Julia Gray, who is the oldest at 24. She hails from Wil- liams and works as a bank teller for Tri-Counties Bank in Yuba City. Julia also is a veterinary technician. She trail-rides and helps friends on their cattle ranch. The queen contest will continue at the Brother Moore Arena in Stonyford at 3p.m.Friday,April29.There, thecontestantswillbeintro- duced, the Queen crowned and her court selected. The 73rd Stonyford Ro- deo is set for April 30 and May 1 at the Brother Moore arena in Stonyford. Tick- ets are online at www. stonycreekhorsemen.org. The rodeo stock will be from Growney Bros., the an- nouncer will be Don Jesser andthebarrelmanandclown will be Wolfey Selvester. The crowning of this year's rodeo queen April 29 will be followed by barrel racing. On Saturday, the day starts with breakfast at the Stonyford Fire Hall, from 7 to 10 a.m. Breakfast is fol- lowed by a parade at 10 a.m. that lasts for about an hour. The rodeo starts at 1 p.m. The weekend continues on Sunday with breakfast, again at the Stonyford Fire Hall, from 7 to 10 a.m. Worship is offeredatTheStonyfordCom- munity Church, at 10:15 a.m. ortheIndianValleyAssembly of God Church, at 11 a.m. The rodeo begins at noon. The nearest motels are in either Willows, Williams or Colusa. There is a large campground behind the arena and there are water- front campgrounds at the Stonyford and Lodoga ends of the East Park Reservoir. Information can be found at www.countyofcolusa.org, "Parks & Recreation," and for the rodeo campground, at www.stonycreekhorse- men.org, "Camping." Fourcontestants announced for queen PHOTOCOURTESYOFROYSTEWART 2015Rodeo Queen Theresa LaGrande, center, with this year's hopefuls, from le , Julia Gray, Shania Beets, Crystal Newborn, and Michaela Decker. STONYFORDRODEO You've lost your job, or for some other rea- son don't have enough money to pay all of your bills. Which ones should you pay first, and which ones can slide for a while? Here's a basic rule of thumb written in "Guide to Surviving Debt," a book by the Boston- based National Con- sumer Law Center: "Al- ways pay essential ex- penses and debts first. If any money is left, you can decide which non- essential debts, if any, to keep in your expense budget." An essential debt rep- resents a serious obli- gation that could pro- duce severe or even life-threatening conse- quences if it's not paid. Do not make payments on nonessential debts when you haven't paid essential ones, even if your creditors are breathing down your neck. Please do not misun- derstand. I am not sug- gesting that you should just walk away from your financial obligations. You must pay your creditors; you must pay your bills. Not paying them is not an option. Of course it's not ideal to let some of your bills slide — but it is what it is. In time, your situation will improve and you'll be able to get caught up completely. But right now, you need to know how to get through this month. Once you've deter- mined which debts are essential, prioritize them according to the severity of the consequences you will suffer for non-pay- ment. Here is a guide to follow, listed in order of priority. Essentialexpenses FAMILYNECESSITIES This means basic food and un- avoidable medical ex- penses, such as health insurance. Even though they're essential, keep these costs to the absolute bare-bones minimum. Don't go out three times a week when you can't even pay the water bill. RENT OR MORTGAGE Al- ways assume that your landlord or mortgage lender will immediately proceed to evict you or foreclose on your home if you are late with a pay- ment. UTILITIES Next, you should pay the minimum required to keep the heat, power and water utility services. Your cable and Internet bills are not es- sential utilities. In fact, you should probably can- cel them for now. Go to your local library to use the computers and bor- row DVDs instead. CAR PAYMENTS If a car is necessary for your job, then making your loan or lease payment is the next priority. CHILD SUPPORT Paying child support is absolutely essential. Not paying can land you in jail. You have no option but to pay it. Other secured LOANS Beyond your home and car, any debts on furniture, boats, RVs or expensive electronic gear are likely to be se- cured (meaning the lender can repossess the item for nonpayment). Please note that you still have to keep current on all payments if you're in the process of selling these items. UNPAID TAXES If the IRS is about to take your pay- check, clear your bank ac- count or seize your house or other property, you need to set up a repay- ment plan immediately. Nonessential expenses Nonessential expenses and debts are finan- cial obligations that will have a lesser and/or sig- nificantly delayed conse- quence if you withhold payment for a limited time. This is breath- ing room, not a pass; it's a short period of time while you figure out what to do. STUDENT LOANS Fail- ure to pay could even- tually lead to seizure of your tax refunds or wage garnishment. If you let this slide, expect to be charged penalty fees. CREDIT CARDS, DEPART- MENT STORES AND GASO- LINE CARDS If you fall behind with these debts, you'll trash your credit score, lose credit privi- leges, pay horrendous late fees and — if the debt is unusually high — you may be sued. But you won't lose your home. You can recover. PERSONAL LOANS FROM FRIENDS AND FAMILY You should feel a moral obli- gation to pay, but these creditors will likely be the most understanding of your situation. Don't hide. Do the right thing and contact this person immediately to set up a face-to-face meeting. MEDICAL, LEGAL AND AC- COUNTING BILLS While these debts are real and will be paid eventually, they are rarely essential unless you are still receiv- ing treatment. Other secured LOANS Every other debt you owe is probably in this category. These unsecured debts are rarely, if ever, es- sential enough to pay first. I know this is such an emotional time for you. Don't allow your emo- tions to dictate how you distribute your money. And do not let your cred- itors set the agenda. Do not hide; do not lie. Above all, do not take your situation personally. Adopt a business-like mindset and treat your creditors as you would want to be treated if the tables were turned. Be courteous and respect- ful, yet assertive. Do not make promises you can- not keep. And when your situa- tion turns around (which it will), keep the prom- ises you have made to your creditors, your fam- ily and yourself. Tough times never last, but tough people do. Would you like to send a tip to Mary? You can email her at mary@ everydaycheapskate. com, or write to Everyday Cheapskate, 12340 Seal Beach Blvd., Ste. B-416, Seal Beach, CA 90740. EVERYDAY CHEAPSKATE What to do when there's more month than money Mary Hunt SHINGLETOWN Some 25 yearlings and 2-year-old mustangs, in a rainbow of colors, will be available for adoption on Saturday, April 16 at the Wild Horse Sanctuary, near Shingle- town. Adoptions get under- way at 8 a.m. with a si- lent bid auction, ending at noon. Youngsters not se- lected during the auction will be offered on a first- come, first-served basis until 3 p.m on the April 31 and ongoing until all are placed. Available for viewing on Wednesday, April 13 from 10 a.m. to 4 p.m., the healthy horses range in age from 10 to 24 months. The annual adoption is a humane way for the Wild Horse Sanctuary to effec- tively manage its herd of some 300 wild mustangs and burros. To qualify, poten- tial adopters must have a space with good, safe fencing and a shelter, have the ability and financial means to care for a wild horse and undergo an in- terview with Wild Horse Sanctuary staff to ensure their facilities are ade- quate for accommodating a wild horse, and that they understand adoption reg- ulations. "My filly, Kalypso, is awesome," said adopter Kathy Sparling. "Her tem- perament is wonderful and she is absolutely beautiful. I'm really excited for us to grow together. She is go- ing to be a wonderful rid- ing partner as she is smart, willing, strong and eager to please." The Wild Horse Sanc- tuary is a nonprofit 501(c) (3) tax exempt organiza- tion dedicated to the pro- tection and preservation of America's wild horses and burros. The sanctuary has served as a haven for these disappearing symbols of the American West since 1978 and provides rescued wild horses a place to roam free and live out their nat- ural lives. The Sanctuary is at 5796 Wilson Hill Road between Shingletown and Manton. For more infor- mation about the adop- tion and directions to the Wild Horse Sanctu- ary, call 474-5770, write to info@wildhorsesanc- tuary.org or visit www. wildhorsesanctuary.org. You can also follow the Wild Horse Sanctuary on Facebook. EQUESTRIAN Adoption day at Wild Horse Sanctuary set April 16 NEVERGIVEUP UNTIL THEY BUCKLE UP. VISIT SAFERCAR.GOV/ KIDSBUCKLEUP VISIT SAFERCAR.GOV/ KIDSBUCKLEUP ARetirementCommunity 750 David Avenue Red Bluff, CA. 96080 (530) 527-9193 www.tehamaestatesretirement.com Tours Provided Daily 1921 ~ 2016 95 TH (530)527-1000 visit us at: www.redbluffroundup.com Likeusonfacebook FRIDAY FAMILY 4 PACK $40 Plus$1.00 processing fee each ticket TICKETS ON SALE NOW! April 15, 16 & 17, Greatest Show On Dirt Weofferfast,efficient, reliable, and confidential services at a more affordable cost to our clients. 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