-THE CAROLINA TIMES SATURDAY, MARCH 27, 1971
6B
HOW TO AVOID FINANCIAL FIGHTS AT HOME
Wife and strife may rhyme all
the time. and. when it comes
to money, there are times
when dispositions are far from
sunny among person- who or
dinarily call each other
"honey." Some families wait
until it's almost too late to
avoid financial arguments.
Bui, just as love is a many
splendored thing, the lamily
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NAME, LITTLE J \ KNOW? 7 V #CC JS-KBAfn y
budget is a money-splendored
thing And by putting into
effect the best methods of
household money manage
ment. finance rhymes with ro
mance.
In order to live safely within
an income and get the most
value out of money spent, it is
necessary to formulate a care
ful plan of spending and saving
This is known as budgeting.
There are not set rules for the
use of income, since the needs
and requirements of people in
various communities and in
come groups differ greatly.
There are, however, certain
general rules that should be
followed if a budget is to be
successful.
Married couples who budget
to improve their financial man
agement design their own bud
gets, based on their goals and
circumstances. They also stand
ready to review their budgets
from time to time. Deciding
your goals is a matter for
husband-wife consultation.
Before alotting your income,
you must know what the in
come is. Under today's method
of payment, take-home pay is
the amount customarily left to
the discretion of the individual.
Federal income taxes, social
security taxes, some state in
come, insurance payments,
union dues, payments to pro
fessional associations, and
pension-fu nil contributions
ROSA PARKS
ON DECI.IW IN MONTGOMERY, ALA,
ROSA PARKS A SEAMSTRESS RIDINft A
BUS ON HER WAV HOME DECIDED SHE WOULD f
NOT MOVE-'TO THE BACK OF THE BUS f SHE
WAS ARRESTED. THUS STARTED A BUS BOVCOTT
THAT LASTED SSI DAYS AND ENDED ONLY AFTER A
V& ThARp\R mii.M
CIRST BLACK WOMAN TO PUBLISH A MOVL*
 IMC IIKI 1860. THE BOOK RECEIVED WIDE ACCLAIM*
■> 'IOLA LEROY; 01?, THE SHADOWS LIFTED.'A
■Mri, V • POET,LECTURER AND ABOLITIONIST. SHE BECAME
l&to/'S- ACTIVE IN THE UNDERGROUND RAILROAD IN IMS.
'[M* ■* W&fs* SHE HEADED THE NE6RO WOMEN IN TEMPERANCE.
fi "• HER BEST KNOWN POtH- BUW ME IN A FREILANt.'
wnjwHtscon
NOTED ARTIST WAS BORN IN INDIANAPOLIS,IND. HE
STUDIED AT THE ART INSTITUTE OF CHICAfcO AND m
THE BEAUX ART ACADEMY IN PARIS. FAMOUS FOR HIS }yM
MURALS AND PORTRAITS. OVER 200 PUBLIC BUILDIN6S U
DISPLAY HIS MURALS INCLUDING THE RECORDER OF DEEDS
_ jl _l_ i I ir"- — -
may all have boon withheld.
Whenever such a deduction is
made by the employer, the
item may be dropped from
consideration in setting up the
family budget, although a small
amount should probably be set
aside Tor additional tax pay
ments if necessary. In estimat
ing income, add to take-home
pay all bonuses, gifts, govern
ment or other allowances, and
dividends or income from in
vestments, as well as any rental
income or commissions you
receive.
It is usually possible to group
expenses, summarizing them as
future expenses, day-to-day liv
ing costs, personal allowances,
and savings for the future.
They can further be classified
as fixed or flexible expenses.
The four groups would then be
classified as flexible, or vari
able: day-to-day living costs,
the expenses which are neces
sary for running a household;
fixed: personal allowances,
sums covering the individual
family members' personal ex
penses, recreation, special les
sons and hobbies. Savings, both
fixed and regular, depend on
the nature of the expenditure.
Wise husbands and wives real
ize that only by knowing
where their money is really
going can they take sensible
measures to keep inflow and
outgo in balance. Figuring out
whether or not you can afford
something involves money
management. The term scares
some people. It really
shouldn't because it's not that
complicated. All motley man
agement means is that you try
to keep the amount of money
coming in from every source
roughly equal to the amount
going out for every purpose.
Most people do that even
though they may never realize
it. And by doing that they
don't have to be so concerned
with cash on hand before de
ciding "Can I afford it?"
Bank charge cards such as
Master Charge provide a means
of not only controlling expend
itures by the husband and wife,
but also of enabling you to get
more for your money by tak
ing advantage of the time value
of money. The calendar date
when you make a purchase, for
example, can mem a consider
able difference in dollars and'
cents in many ways.
First, it puts money in your
hands when you need it —for
example, to take advantage of
a special sale you might have to
take money out of a savings
account and lose interest. Yet,
by using a Master Charge card
and paying for your purchases
within the specified period you
lose no interest and pay no
interest. In effect, you are get
ting free use of someone else's
money for almost a month.
You also receive an accurate
record of your expenditures in
one monthly bill.
Husbands and wives, taking
advantage of this procedure,
can give each other full credit
for intelligent money matters.
And they'll never consider
their mate a louse as a spouse.
Invite someone who is alone
to share holidays with your
family.
There are all kinds of kind
ness. One is the Clairol Kind
ness 20 Instanl Hairsetter with
20 heat-at-once rollers in three
sizes. The new model is design
ed with 20 thermostatically
controlled rollers, each with its
own heating post, and 'features
rollers in three sizes—six jum
bo, ten large and four small.
R CREATIVE CRAFT IDEAS (gJ
Springtime Re-Decorating with Color
With the change of season
come thoughts for a change
of surroundings. The easiest
way to change your immed
iate surroundings is with a
change of color and with cre
ate-it-yourself color accents.
Tie-dye is the way for you to
create original and unique ac
cents for color re-decorating.
The magical effects of tie
dye are easy to do for such
things as curtains, pillow cov
ers, bed spreads, fabric cover
ings for boxes, waste baskets
and lamp shades and for strik
ing wall hangings. The ancient
art involves use of fabric, rub
ber bands and all purpose dye.
The process Is really simple,
tie the fabric then dye it. The
ties resist penetration of dye
resulting in pattern lines on
a dyed background.
The choice of colors and
pattern effects are up to you.
The results will be creative
and original as no two tie
dyes are exactly alike. You
can dye any washable mater
ial except for some of the
polyesters and acrylics and
glass or mineral fibers. Mater
ial can be white or light col
ored. You may want to exper
iment first to test color re
sults and determine the best
patterns.
For a striking sunburst wall
hanging: Start with a large
piece, about 54 inch square, of
fabric such as cotton sailcloth.
After laundering, lay wet fab
ric out flat. Mark a point for
center of sunburst. Pick up
point and secure tightly just
below point with rubber
bands. Holding center, twist
and smooth remaining fabric
down, securing tightly at fre-
Vjt J
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Newest swimlook to be seen on (
the beach scene . . . fashion's
new Grecian look. By Kobby
in Arnel Jersey with col
orful smocking, adjustable
shoulders.
WHAT A FRAME-UP!
* ■ J
Wall boards.
They use them at the best
advertising agencies to show
case brilliant new campaigns.
In one form or another, most
every office has at least one for
bulletins and displays. And
now, someone's even designing
them to be used in the home
... as a perfect frame for
whatever you'd like to show
off.
Introduced by Monsanto as
part of its new Dimensionals
line of decorative wall hang
ings, Plush-Pin Decorative Wall
Boards offer a unique and
modern way to personalize i.he
room you love best.
Made of exclusive Monsanto
Fome-Cor (a display and gra
phic arts material), these func
tional and distinctive plaques
are ideal for game rooms, fam
ily rooms, dens, libraries, stud
ies, bars and kids' rooms . . .
for framing photos, prints,
awards and anything else that
deserves spotlight treatment.
With soft flocked finishes,
and mounted in brilliant metal
lic frames, Plush-Pin Wall
Boards are available at depart
ment, variety, hardware, drug
and discount stores in six dif
ferent colors (orange, black,
burgundy, green, canary and
blue) and two popular decor
ator sizes (18" x 24" and 8H"
x 23").
Whatever your choice might
be, it's a sure thing it'll be one
frame you'll find easy to put
up—and delightfully live with!
To mount your new wall
hanging, stretch it over a
wooden frame and secure with
staples. Finish edges with tape
or hem all edges and hang by
dowel sticks through top and
bottom. Send post card re
quest for free leaflet on tie
dye with pattern suggestions
adaptable for curtains, pillows
and other items to color co
ordinate with your new wall
hanging: Fancy Fabrics, Dept.
DE. Box 307, Coventry, Conn.
06238.
ALL THAT FIGURES OH THE HIGH "SEE"
dm 5
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By the sea ... by the see . . . two great swimlooks by Robby
Len. In ottoman ribbed stretch nylon one, a laced long
bodice, the other, a two-piecer. Both, flipped for fashion with
hip-hiding flip skirts.
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"Master Pierpont Bunkle, I am pleased
to inform you, that your final marks are
the highest, in the entire academy...
but you didn 1 t have to write to your folks
that you 1 ve written my assembly speech,
you FINK! ! "
The Soviet Union launched a record 81 space missions in
1970 compared with, 29 missions for the U.S., according to
a compilation by Space Business Dally. The Soviet record
was nearly 10 percent more than its previous high In 1968
of 74 missions, and nearly 180 percent greater than the
U.S. mission rate in 1970. The number of U.S. space mis
sions Is declining at a time when the Soviet Union is ac
celerating its space exploration program.