Issue link: https://www.epageflip.net/i/737838
Ihavewhatcouldbe characterized as a dark fi- nancial past. I didn't set out to ruin my life. In fact, I truly believed I was im- proving things for myself and my family. I used all the bank credit I could get my hands on to create a life- style I so richly deserved. I tried to stop us- ing credit cards in order to not spend money we didn't have. I tried to fit my spending into a bud- get. But all of that spelled just one thing for me: de- privation. I felt like I was being punished the same way a prisoner is deprived of freedom and personal choice. I tried to reform, but my feelings were much stronger than my desire to change. A battle raged inside me, and my over- whelming feelings won all too often. The irony was that in making sure I never felt deprived, I paved the way for the ultimate depriva- tion: the loss of everything in my life that truly mat- tered. I get chills recalling just how close we came to complete financial ruin. But then, I made a star- tling personal discov- ery that would change my life and make it pos- sible for me to break out of the debt trap. I figured out that deprivation never works. You know that if you've ever been on a diet. You can stick with a rigid program for a while, but eventually you give in. Saying you will never eat chocolate again is a lofty goal, but come on, it's not going to happen. Deprivation does not work for food or money. But sacrifice does. Sac- rifice means giving up something of value now to achieve something far more valuable in the fu- ture. Deprivation means having a possession or en- joyment taken away. Once I learned the subtle yet startling difference be- tween the two concepts, I understood immediately why meaningful change kept eluding me. Sacrifice — it's a beau- tiful concept. Sacrifice fo- cuses on a goal. Depriva- tion focuses on lack. Sacri- fice lifts my head and lets me see the big picture. De- privation turns my eyes in- ward so I see nothing but myself. There is joy in sacrifice because I am aware that what I am giving up right now is temporary and will allow me to reach my goal. That's assuming I have a goal and a plan to reach it. And that's what this column and the con- cept of debt-proof living are all about. Every day, I try to encourage you, in a myriad of ways, to do whatever it takes to get out of debt and go on liv- ing below your means so debt never becomes an is- sue again. Sacrifice: It's a beauti- ful thing. Wouldyouliketosend 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. EVERYDAYCHEAPSKATE Thinkofitassacrificeandnotdeprivation CelebrateCalifornia's diverse native flora Friends of the Chico State Herbarium's 6th an- nual Fall Photo Event in- vites photographers to sub- mit their best native plant and native landscape im- ages either to be judges or open and not judged. Prizes for Landscape and Close-up categories. A $10 submission fee allows two entries per participant. Allentriesmustbereceived by Friday Oct. 14. Submit photos in either 8" X 10" or 8" X 12" format as both a hardcopy and as a digital file. Include a note with the title or subject, your name and contact information. Submit prints and $10 cash or check made out to CSU Research Foundation — Friends of the Herbar- ium on the note line — in person to the Gateway Sci- ence Museum ticket office or by mail to: 2016 Plant Photo Event, Chico State Herbarium, CSU Chico, Chico CA 95929-0515. Submit digital file and any questions to John at johnccnd@gmail.com. Tree identification, Saturday, Oct. 22 Trees will be introduced that are found on the cam- pus of California State Uni- versity, Chico. Key charac- teristics of the leaves, bark, and reproductive struc- tures will be emphasized. Information will be pro- vided about the tree biol- ogy,pruningandurbanfor- est management. Linnea Hanson and Em- ily Meigs Doe will be in- structors for this work- shop. Linnea and Emily have taught tree identifica- tion at the community col- lege level. Units of Inter- national Society of Arbor- ists continuing education credit can be obtained. This workshop will meet from 9 a.m. to 4 p.m. in 129 Holt Hall at CSU, Chico. Cost is $100. Register in advance. The diverse world of salvias John Willoughby of Can- yon Creek Nursery and De- sign is the author of The Plant Lover's Guide to Sal- vias and will be speaking at Friends of the Chico State Herbarium annual meet- ing at 5 p.m. Saturday Oct. 29 in 170 Holt Hall, Chico State University. Free ad- mission. Everyone is invited to a reception with snacks to view the native plant photo display 3-4 p.m. in the Herbarium, 129 Holt Hall, and join the Friends' annual meeting 4-5 p.m. in Holt170beforeWhittlesey's talk at 5 p.m. For more information about these and other up- coming workshops, visit www.friendsofthechicos- tateherbarium.com/events- viewcalendar/. For more information about registration, call the Biology office at 898-5356 or write to chatfield@ csuchico.edu. CHICO STATE Falleventsplanned at the herbarium Have you ever had co- coa pork tamales or a co- coa rubbed salmon? These are just some of the items awaiting you at this year's Soroptimist International's Chocolate Fantasia, 6:30- 8:30 p.m. Saturday, Oct. 15 at the Red Bluff Community Center. The event will feature chocolate fountains. "Vendors from the area will be providing a sam- ple of their tasty treats and some of our local mem- bers have spent the sum- mer sampling all manner of chocolate appetizer recipes to create a menu of unique sweets never served before at any Fantasia event," said Jill Wabbel, one of the or- ganizers. "The fundraiser is for local resident schol- arships. We provide schol- arships and awards for high school seniors, those return- ing to higher education and for those seeking advanced degrees. Each year we try and provide more monies as we know costs continue to rise." The Fantasia is one of the club's major fundrais- ers and only 200 tickets will be available. The cost of the evening is $25 per person and includes a com- memorative wine glass and beverages, including choc- olate beer and wine. Tables of 8 are available for $175. Quilt tickets are on sale for $1 each or 15 tickets for $10. Tickets are available, for both the Quilt and the Fan- tasia event from Soropti- mist members, Tehama Property Management at 320 Oak St. in Red Bluff, by calling Nancy Shilts at 527- 1921 or writing to SIRed- BluffClub@yahoo.com. There will be door prize drawings and raffle prizes that have been donated by area merchants as well as Soroptimist members. FUNDRAISER Chocolate Fantasia offers variety of treats Mary Hunt COURTESYPHOTO Vici Miranda and Jonie Duran holding the Chocolate Fantasia poster in front of Tehama Property Management. Smog Check (MOST CARS & PICK-UPS) 527-9841 • 195 S. Main St. starting at $ 29 95 + $ 8 25 certificate Shop Equipped With 4SmogMachines For Fast Service No appointment Needed 734MainStreet 530-690-2477 11am-9pm Mon.-Thur. 11am - 10pm Fri. & Sat. 11am-8pm Sun. 9 CRAFT BEERS ON TAP Pizza Restaurant Round Up Saloon Round Up Saloon 610WashingtonSt. (530) 527-9901 JoinUsEach Sunday For FOOTBALL!! Openat10a.m. Happy hour from 10 a.m. to 2 p.m. FREEbar-b-q 744 Main St., Red Bluff Fine QualityGifts & Accessories (across from the clock tower) Offers End 10/29/16 CRYSTAL TRINKET BOXES Buy 1 Get 1 30 % Off Limit 4 Items L'EPI DE PROVENCE SOAPS 5 FOR $ 30 Great Fragrance Soaps Kringle, Soy, Art Candles......15% Off Evening Formal Wear.............. 20% Off (Single Item only) (530) 529-1220 100 Jackson St. Red Bluff MonthlySpecial $ 28 00 a month No Enrollment Fee Check Out Our Fall Class Schedule RUNNINGS ROOFING and CONSTRUCTION SheetMetalRoofing ResidentialCommercial • Composition • Shingle • Single Ply Membrane ServingTehamaCounty 530-527-5789 530-209-5367 NoMoney Down! "NoJobTooSteep" " No Job Too Flat" FREE ESTIMATES CA.Lic#829089B&C39 TEHAMA MINI STORAGE 22200SOLARROAD 1-MILE PAST HOSPITAL, THEN GO RIGHT AT MOOSE LODGE 10X10=$35/month 10 X 20 = $70/month VISA • M/C • DISCOVER • CHECK SAFE & SECURE ON-SITE MANA GER CALL: 530-527-5074 RV/Boat $ 30 16 security cameras ARetirementCommunity 750 David Avenue Red Bluff, CA. 96080 (530) 527-9193 www.tehamaestatesretirement.com Tours Provided Daily 607MainStreet,RedBluff 527-0772 DailyCheeseburgerSpecial with Fries Senior Breakfast Special BringAFriend To Breakfast or Lunch Receive$1.00offyourmeal (simple mention this ad) $ 5.29 11am to 3pm 6:30am to 11am $ 5.99 LIFESTYLES » redbluffdailynews.com Wednesday, October 12, 2016 » MORE AT FACEBOOK.COM/RBDAILYNEWS AND TWITTER.COM/REDBLUFFNEWS B2