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en cco - Women's League of the Church of St. Gregory the Great, took a centennial theme for its annual Candlelight held Sat- urday evening. rt of the auditorium was set up as an old - fashioned living room, complete with its spinning wheel and antiq furniture. In keeping with this theme members of the committee wore 1867 period gowns, Shown here seated are Mrs. William Boissoin, left, convener, and Mrs. W. A. Clarke, president of the CWL. Standing behind from the left are Mr, Boissoin; List Fixed Expenses First When Setting Out a Budget By JEAN SHARP Canadian Press Women's Editor TORONTO (CP) -- If you base a budget on what you actually spend, rather than on what you think you should spend, you might stand a chance of staying within it. Mary Gordon, a budgeting expert with the Canadian Im- perial Bank of Commerce, suggests beginning by keep- ing a record for a couple of weeks of where your money goes. Base it on take-home pay and have everyone inthe family take part. Then divide your spending into fixed costs and variables. Fixed will include shelter, utilities, insurance, clothes (for the breadwinner only), time payments, annual vaca- tion, income tax, school fees, Christmas planning. The variables are food, household expenses, family clothes, personal allowances to cover spending money, club dues, gifts, "Don't be too strict in bud- geting, leave room for enough personal allowances." TOTAL EXPENSES List your fixed -commit- ments, not forgetting pay- ments you make only once a year or once every several years, and divide the total by the number of pay cheques you get in a year. That much money should go into a chequ- ing account. "Never borrow money from your fixed commitments, and try not to borrow from your savings,' Miss Gordon says. As broad guideline, Miss Gordon says, there are per- centages to tell you whether what you spend in a category is about average. She em- phasizes they are only guide- lines, not rules. They will vary with where you live, the size of your family, the kind of job you have and how you live generally. SAVE FIVE PER CENT Shelter may cost 15 to 25 per cent of your spendable in- come. Miss Gordon says it should never go over 26 per cent. "The total for shelter and time payments should not be over 38 per cent. That's the point at which the average family could run into diffi- culties." Clothes for the breadwinner might cost eight to 15 per cent, depending on his envi- ronment and type of work. Food may cost 20 to 35 per cent. Miss Gordon says U.S. statistics indieate only three out: of 10. supermarket pur- chases are decided ahead of time, the others are chosen in 'the store, She planning: might make food budgeting easier. Variables other than food should run about 10 to 15 per cent of spendable income. Savings should be five to 10 per cent, and kept in a spe- cial account, out of temp- tation's way. Miss Gordon Sueae. | suggests | Lawn Bowlers Close Season With Card Social The Lawn Bowling Club closed its season's activities recently with a well attended evening of cards at the club- house, The draw for prizes was made by president, Mrs. Clin- ton Baxter, assisted by Mrs. Arthur Brown, past president, and went to Mrs. Bert Bonnetta, Mrs. Fred Cochrane, Mrs, W. J. Lovelock, Mrs. Ewart Clem- ence, Mrs. William Cooke, Mrs. Jack McLeod, Mrs. T. D. Thomas and Mrs. Avern Tay- lor, also to C. Foster, E. Rundle, Ernest Cay, E. Jack- son, Jack Biddulph, J. McLeod, H. Myers and &, Solly. "Happy Birthday" was sung for Ernest Cay and Mrs. W. A. Dewland, and they received abror ap mementos from the president, Jauvivuewam | Three large stainless steel ve Yiwe teapots were donated to the club, and were much appreci- ated. The donors were Mrs, George Read, Mrs. Ernest Cay and Mrs. Ross Flintoff. Announcement was made that two winter card parties would be held, one in January. with hostess, Mrs. T. D, Thom- as, and the other in April at the home of Mrs. Walter Lynde. ' Miss Mary McDonald, and Mrs: Bruce La Force, hostesses and Mr. Clarke. In the lower picture, the photographer caught three patrons of the dance, from the left; Mrs... Alex Biro, Mrs. Joseph Puskas and Mrs. Joseph Bino. 'SOCIAL & PERSONAL Jo Aldwinckle, Women's Editor Telephone 723-3474 for Women's Department Miss Millicent Luke, a past-} Miss Marie Shantz, Nonquon president of the Oshawa Pres-|Road, will welcome members bytery of the United Church/of the Literary Group of the Women, will officially open the| University Women's Club to her annual bazaar of the Cedardale/home on Thursday evening for United Church women on Wed-/a discussion of the biographer, nesday of this week. | Lytton Strachey. | Alderman Christine Thomas | |will open the Salvation Army|the three delegates of the rege gs ge Bazaar next Fri-/ women's International Co-oper- ay at 2:00 p.m. Ui P jation committee of Canada who Mrs, J. J. Burns, chairman, |with others, presented a brief and Mrs. W. F. Cane, co-|to the government on Friday, chairman of Oshawa Branch of asking that a royal commis- the Red Cross Homemaker'!|sion on the status of women in Committee, attended an all-day|Canada be set up without de- meeting last week at the On-jlay. With Mrs. Conant were tario Division Red Cross head-/Mrs. Helen Tucker, chairman quarters in Toronto. ie the national committee, and {Mrs. Ethel Brant Monture, Mr. and Mrs. Patrick J. Mor-| Thirty-two organizations were gan, Adelaide Avenue West, represented and Mrs. M. J entertained seventy guests at/cabia. St. Cahtarines presi- their home Saturday evening at/qent 'of the Canadian Federa- a surprise birthday party in|tion of University Women, was honor of Daniel Riordan. The|the spokesman. Contributing evening was spent in dancing) were Miss Margaret Hyndman jand singing Irish and Scottish QC; Mrs. Julia Shulz Toronto: |songs, followed by a buffet sup-/Mrs. Emil Colas, Montreal and ____ |Miss Margaret E. MacLellan. |Receiving the brief in place of ABY TIDE TURNS jthe © minister were Jus- 'IELD, England -(CP)--|tice Mrs. G. D Conant was one of adk SKIRL OF PIPES preceded the presentation of the colors.and one min- ute's silence in memory of Fran Mitchell, left, Miss Red Feather for 1966, Is measuring up to her job these days paigns on behalf of the 21 agencies of the Greater Osh- MENTAL HEALTH GROUP NEEDS $10,0 John D. Cole, program di- rector of White Cross, an Oshawa the Canadian Mental Health Association, congratulates her for work as affiliate of te ae ah of TOOK STORE FOR CASH WOLVERHAMPTON, England | { (CP)--A teen-age girl shoplifter | awa Community Chest, Mrs. | | | Minister Lucien Cardin; |took the good ie stole-back te! e- Dac per has become the|Secretary of State Miss Judy;the store and asked for a cash proud father of the first baby to be born into the clan of Hert- fordshire Coopers for more than a century LaMarsh and Labor Ministerjrefund because they were im- Robert Nicholson. Senator Mur-|perfect. She was caught when iel Ferguson was also in atten-|she tried the game a second time at the same shop. the former members at the din- ner and dance held at the Carousel Inn by Wing 420 RCAF Association on Sat- urday night. Honored guests seen above left and right are Squadron Leader T. A. Hogan and Mrs. Hogan, Pe done on their behalf. The CMHA branch has re quested $10,000 from the campaign to help finance its work. mittee chairman Gordon Channing and Mrs. Chan- ning and president D. A, Brown and Mrs. Brown. --Oshawa Times Photo Canadian Forces Base, Downsview, and Flight Lieu- tenant A. M. Murray and Mrs. Murray. Second from the left are dance com- LEAVE MOTHERS OUT Alberta, British Columbia and New Brunswick are the only Ca- nadian provinces with regus lations guaranteeing maternity leave for working women. SARGEANT'S have on "SALE" FULL LENGTH FORMAL GOWNS Details Suggested Change Of Name Anglican Women . Mrs. F, L. Wotton, president of the Oshawa Deanery, spoke on the changing of the name of guilds and auxiliaries in the Anglican Church to Anglican Church Women at the meeting of the afternoon branch of the Woman's Auxiliary of St. George's Memorial Church. Mrs. Charles Gibbs, Mrs, T. H. Beamish, Miss Flora Foster, Mrs. S. W. Wotton and Mrs. C. A. Wells took part in the discussion. The purpose, Mrs. Wotton said, was to unite in a fellow- ship of worship, study and offer- ing which would deepen and strengthen women's _ spiritual lives and lead them into Chris- tian service in parish, com- munity, diocese nation and world. The names of Mrs. Jean Brooks and Miss Annie Oakley will be placed in the Book of Remembrance in the Diocesan Centre in Toronto, A Christmas supper will fol- low the December 13 meeting. Mrs, John Morgan and Mrs, George Puckett served tea. All Brand New Samples OVER 100 GOWNS TO CHOOSE FROM SARGEANT'S 463 RITSON S$, -- OSHAWA 723-3338 DON'T ASK WHAT THE FUTURE WILL BRING YOU! ASK YOURSELF WHAT YOU WILL GIVE THE FUTURE! The future in business Is exciting to think about. There will be, new jobs; new careers; new systems; new methods; new thinking; new ideas! Why not be a port of this rich, re - ing future! Become a specialist in office work through special- ized business training. " at the OSHAWA BUSINESS COLLEGE. 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