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bob md6 wednesday aug 31 1983 ouau i woman budget tips can save you money couple weds marilyn ilott daughter of mr and mrs bill ilott of markham and bob tuf- ford son of mr and mrs blake tufford of ballantrae were recently married the couple are currently- residing in stouffville where did the money go has be come a familiar refrain with the soar ing cost of living your income has never before been stretched to such limits thats why a budget is so important today these words of wisdom come from a handy booklet called family money manager the doityourself guide to sensible saving and spending is pub lished by the canadian life and health insurance association the booklet sets out four simple steps for organizing your family budget and includes a handy chart to record income expenses and calculations to prepare this guide to money management the association drew on the experience of more than 130 insurance companies and their millions of policyholders here are the four easy steps write down the income you expect to receive in the next 12 months and divide by 52 to find out what your average week ly income will be for the next year this trays can be the key to breakfast blues breakfast time for some members of the family can be the best or the worst of all possible times of the day ever thought of serving breakfast on a tray believe it or not thats the newest theme song of many breakfast makers we know they have discovered the easiest way yet to get breakfast served amid the early morning family rush its done by using individual breakfast trays when the supper dishes are done trays can be assembled and left ready for the mornings breakfast marathon plan a simple but adequate breakfast menu so that nobody goes to work or to school without that first important meal of the day everything goes to the table in one trip via the tray you may even have some early morning television fans who want to enjoy their first meal lapstyle in front of an am talk show nutrition experts tell us that breakfast must supply a fair share of the days food needs actually onethird of the days food requirements they say a well plan ned first meal consists of citrus fruit or juice bacon and eggs or some other pro teinrich food white or whole grain bread served as toast rolls or muffins and milk extras like jam honey or marmalade can go along for the ride provided of course that all the essentials have been included first made to order for tray breakfasts are tasty baconmarmalade rolls theyre good and simple toast the fresh wiener or bacon rolls or bread slices while bacon sizzles in the pan spread a favo rite marmalade on the hot buttered bread add crisp bacon slices and voila theyre ready for easy munching in any room of the house a cool glass of fruit juice and milk or a hot beverage to top it all off make this minuteminded meal complete nutri- tiomwise and remember its all on a tray is the money your family has to sepnd and to save your budget can be done on a monthly basis if your prefer just di vide your total income by 12 write down all your fixed expenses such as rent or mortgage payments in surance premiums and instalment pay ments the total can also be divided by 52 to tell you what amount you should set aside each week to meet those fixed ex penses put this money into a separate bank account to pay your fixed ex penses set up an emergency fund equal to ab out two to three months earnings you can use this money to pay for unexpected expenses such as house repairs make sure you set aside a definite amount from each pay cheque for this fund figure out your weekly living allo wance taking into account all living ex penses such as food clothinglaundry cleaning and operating your car dont forget to include nonessential occasion al expenses such as movies sports and other recreational activities now youre ready to add up all your estimates for fixed expenses and non essential expenses to find your total when you subtract this figure from your total income you should have some money left over this balance your sav ings should be put into a a savings account until you accumulate enough to transfer it to a longerterm deposit re tirement savings plan or other type of investment what happens if your spending esti mates turn out to be more than your in come the best way to deal with this nasty problem is to go over your esti mates again and try to find ways to trim expenditures remember your budget should be flexible you may want to go over it again after a month or two to make adjustments family budgets should be updated regularly especially during rapid economic change yarns brighter this seasons yarns go beautifully with the rich sportive fabrics of fall theyre slightly brushed or feature luxury fibers such as mohair and angora to give them new softness and elegance sheep to shawl the greatest little wool shop with the widest selection knitting weaving spinning patterns unlimited quality yams as you like them group private lessons 1 custom 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