A good plan makes money go further

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By the end of the month, do you wonder where your money went? Many of you reading this column will hope that you can manage your money better this year than you did last year. 

The start of a new year is the perfect time to get better control of your money. Under-standing how and where you spend your money is important for everyone for financial success and to have enough money available for necessities - especially in tough economic times. There are several key steps you can take to stretch your money a little farther each month. 

• Get organized—keep all of your bills and important financial papers in one place. 

• Track your spending for one month by writing down all of your expenses.

• Identify your total monthly take-home income.

• Develop a plan, on paper, for how to spend your money each month. 

• For big expenses, such as car insurance, vacations or holidays, you may want to set aside a little each month so that you are prepared when these events occur.

• After two to three months, evaluate your spending plan; are you overspending in any certain category? If so, redo your plan to more accurately reflect your spending habits 

Keep working at your spending plan until you find a combination that works with the needs of your family. Our Cooperative Extension site, www.ca.uky.edu/moneywise/resources has many resources to help you.

For more information on planning and managing your money contact me as we have many resources to help you manage your money.

Homemakers monthly visit

Carroll County Extension Homemakers visit Fairview Place Assisted Living at 2 p.m. the third Wednesday of every month to do a hands-on activity with the residents. The activity centers on the time of year, a holiday in the month or related theme. Today they are making snowmen crafts with the residents. Coordinated by Marie VanDiver and Gloria Lindsay, Extension Homemaker members assist with the activity and socialize with residents. They also serve a little snack and tea or a cool beverage for the residents’ enjoyment. All Extension Homemaker members are invited to participate.

Special program

Everyone’s “life story” is different. Your life story is important because it helps explain who you are, where you’ve been, how you got there, where you are now, and even what you will be doing in the future. Events throughout your life, your family heritage and where you live affect your own life story.

At 1:30 p.m., Thursday, Jan. 17 at the Extension office, Kate Vaught, Campbell County family and consumer sciences agent, will conduct the Extension Homemakers January Learn with Us session, “How your Life Story Can Help You.”  Vaught will share and inspire participants to document their life stories and how it is a valuable experience to promote an active brain, quality relationships, mental healthiness, and building your legacy. All interested residents are invited to attend.

Dates of Interest

Jan. 16: Extension Homemakers’ monthly program at Fairview Place Assisted Living - 2 p.m. All members invited to attend.


Grace Angotti is Carroll Co. Extension agent for family and consumer sciences. Call her at (502) 732-7030 or send e-mail to gangotti@uky.edu.