How Do You Know When You Have Reached Your Unit? How do you know when you have reached your ‘limit’ as far as your finan cial affairs are concerned? The following warning signs presented by the Charlotte Area Fund, Inc., are sure signals that you have debt problems: -reaching your credit li mit on credit cards or credit tines -using credit to pay for most household necessities (not including major appti-' ances) •using your savings to pay for day-to-day borrowing from “Peter *to pay Paul’’ To help you manage your debt, counselors at Char lotte Area Fund are an xious to help. They will review yow spending ha bits by developing a month ly budget that shows where yow money is goii«. You are then enrolled In a mo ney management course which includes instruction The counselors, with your cooperation, will then sug gest ways to help you re duce your debt. Call 372 3010 for more information. If you are interested in volunteering to give tele phone information to peo ple in need and you can a* .devote three to four hours weekly to this important task call Dana Cleary at the Voluntary Action Cen ter of United Way at 372 7170 between 8:30 a.m. and 13:30 p.m. weekdays. An orientation class be gins February 25. The Voluntary Action Center is a service of United Way and they need you. My telephone rang the other day and it was one of my neighbors selling Girl Scout cookies. How can anyone resist those mint cookies? But I had will power (I’m supposed to be on a diet, so I ordered the coconut ones for my 1ms WITH TKKKSA SlMMoK * w *