Newspapers / Winston-Salem Chronicle (Winston-Salem, N.C.) / July 25, 1981, edition 1 / Page 7
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The Chronicle, Saturday, July 25, 1981-Page 7 Chronicle Profile Vdvisor to the Financially Troubled po you borrow money to pay your bills? Are you leto pay ooly the minimum amount due on mon- ly charges while interest payments accrue? You may be headed for financial trouble, fven a family with a reasonable income can get in- fjnancial trouble if money isn’t budgeted, says ilia Martin, manager of the World Headctuarters jnch of the Reynolds Carolina Credit Union of j Reynolds Indsutries, Inc. It begins with buying Id much, when suddenly, “the car breaks down, or (Washing machine needs to be replaced and there ■ja’t funds to cover it.” Martin says careful planning can help maintain lad financial health. Budgeting should include ng-term savings as well as savings for such annual ipenses as vacations. That advice is important to a family earning j OOO a year - or $50,000. “A family of four earn- ig $15,000 will have a different housing situation ddi one earning $50,000, but many expenses will be. lesame,” Martin contends. “Their savings must be siematic, even if it means only saving $25 a month, lai small amount may be the rope that will pull lem out of an emergency.” Families earning far more can also slip into debt. “At a higher income, many people become less cons cientious about how they spend money,” Martin ex plains. “They need to plan, but differently. It’s not that difficult for a family earning $50,000 to get into debt,” Saving tips apply.not only to people with different incomes, but also to those with different lifestyles, she says. Singles, married couples, those living in ur ban areas as well as rural areas need to save in much the same way. “People just need to adapt the same rules to their personal lifestyle.” Martin concedes that saving during a period of high inflation is especially difficult and recommends counseling for those in financial trouble, “At the Reynolds Carolina Credit Union, we offer budget counseling as one of our services. But people can often find help within their communities, through a variety of civic and social agencies.” Potential trouble can be avoided, she says, by following these tips toward sound financial planning: • Keep records. You can’t rely on memory to pic ture where all the money has gone. Pay with checks wherever possible. If you must pay with cash, keep receipts, even in a shoebox. • Monitor your budget. Establish a budget you can live with, and check each month to see if it is be ing followed. Compare budget projections and actual expenditures periodically. You may need to adjust during the year. • Make budgeting a family project. It is up to everyone in a family to follow a budget for it to work. • Get out of bad buying habits. There are many ways to reduce expenditures that add up, from monitoring dry cleaning bills to bringing lunch to work. People are often careless in how they spend money, from wasting utilities to failing to shop for bargains. • Set goals, even small ones. It gives you something to save for. • Save systematically. Don’t put money into sav ings only to withdraw if soon after. You may need it in an emergency. Put items of extra income, such as gifts, overtime pay or dividends, directly into sav ings. See Page 25 Julia Martin, manages Credit Union at RJR World Headquarters. Richardson Reunion Set The 4th Annual Fourth of July Family reunion for members of George and Ola Richardson of 1176 Ad dison Avenue was held at the home of a daughter and son-in-law Artanzia and L. V. Williams at 2919 Glenn Avenue. Mr. and Mrs. Richardson have 12 children. Ten of which attended and their families. There were about 110 fami ly members and friends present. The menu consisted of Bar-B-Que Ribs, Fried Chicken, Grilled Hambur- ers and Hotdogs, Fresh Green Beans and Greens, Potato Salad, Baked Beans, Slaw, Rolls, Drinks, Pickled Beets, Lemon pound Cake, Sweet Potato Pies, Water melon and Caramel Iced Hauser-Russell Clan ries Session, days that he writes for the fun of it. Cessions Writes To Release Himself Beverly McCarthy Staff Writer oems are made by me, but only God lake a tree”,.. arles Cession, local ter, resident, and poet s with Kilmer on her . on of the works of; But poetry is thing more for this ir. lenty-five year old Ces- was born in Akron, ,and spent most of his hood in New York, moving to Winston- nwith his family, Ces- attended Parkland If High School where aduated in 1975. Since lime. Cession has tiered that people and elermination to beome of himself, have pro- la motivating force for fe. trough being a minister itaost four years, Ces- finds his calling to be angelistic one based on ilion, 'ou find so many peo- «ho say that they are h and know so little ■ the academics of beliefs,” the young ther explained. Sion has been writing 7 since elementary ah As he grew older, young author found •filing was a gift that given him as a way ease himself, he funny thing about •filing is that 1 never that other people ^ enjoy it,” he joked, “o believes that poetry leative means of corn- eating with the world, af his works entitled 1 Just Can’t Know,” 'aeries called “If” are atoriie pieces. ^'"'0 ‘You Just Can’t Know’ because it expresses the feelings of the oppress ed when they are told that others know how they feel, or they know what they are going through, you can’t sympathize with a drowning plan if you’ve never been in the water, you can’t say that the fire is hot if you’ve never been burned,” he emotionally added. Cession feels that this series called “If” expresses a lot of the love and warmth for which the world is so hungry. A member of Love Tem ple Church of God . In Christ, Cession serves as choir director, and says that he is very dedicated to the cause of the Gospel. “1 write for the fun of it, and if it puts a smile on so meone else’s face, then that’s just great,” he con cluded. lllllllllllllliflllllllllllMIUllllllllHIIIIIIIIIII Scales From Page 25 IllllllllllllillllllllilllllllllllllHKlIIIIIHMIll daughter, Renita; Richunda and Romonda Gaston; and Mrs. Sallie Scales. Also, Miss Louise Smith, Mrs. Flonece H. Winfrey (Bronx, N.Y.), Mrs. Florence Rennick, Mrs. Beatrice P. Johnson (Hampton, Va.), Dr. and Mrs. Royal Puryear, Miss Laura Hooper, Mr. and Mrs. George Booie, Mr. and Mrs. George Wall and Son, George, Jr., Mrs. Alver Smith and Son, Butch, Ray Felton, Mrs. Shirley Manigault, Mrs. Louise S. Hamilton, Mrs. Edna Revels and Mrs. Edna G. Williams. Mrs. Mattie Scales Lowery, daughter of Hannah Scales, was unable to attend. General remarks were made by family members with special • remarks by Dr. Puryear. The descendants of the late Bethania Hauser Williams Russell will hold their annual renuion in the Yadkinville .Community Genter'Sunday, July 26. Bethania came to Yadkin County in the early part of the 19th Century. She became the mother of eleven children. Mrs. Dixie Russell Moore of Washington, D.C., a daughter, is the sole surviv ing child. The clan will worship at the Pleasant Grove Baptist Church at 11:(X) a.m. and dinner will be served at 2:30 p.m. at the community center. In addition to the dinner, the extended family will iiiiiiiiliiiiiimiiiiiiiiiliiiiMiliiiilililiiiiiiiii Older From page 25 luiiiiiiiiiiiniiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiii Volunteers assist the pro gram by visiting people who live alone, or have recently lost a spouse. The volunteers are available to come to homes and provide information concerning community programs. The Y also utilizes various agencies throughout the city. Experi ment in Self Reliance, Creative Life, and the Men tal Health Clinics are all public services which take part in the program. The future looks bright for expansion in oppor tunities for older adults through the YWCA. The fall brings new training seminars for public agencies which will help them im prove opportunities for elderly employees. The ad ministration is looking for ward to utilizing classes of fered by both Duke and the University of North Carolina in Chapel Hill in aging. Special clubs for the elderly are also a part of the program. “We invite every person over 50 to participate in our services here, it’s a great program, and it fills a great need,” Adams concluded. view photographs of past reunions, hold bragging ses sions, and recognize and honor certain family -stiperlativesv—» The family members number more than. 300 and live in all parts of the United States and in several foreign countries. Friends of the family are invited to join them in this gala occa sion and to bring a full basket. Pound Cake. The family worshiped to gether at Mount Zion Bap tist Church, a donation was given by the family who occupied three rows. It was a very joyous occa sion in honor of Mr. and Mrs. George Richardson. Out of town guest were Mr. & Mrs. Harry Wongus and Family, New London, Connecticut, Mr. & Mrs. Harry Thornton and Fami ly, Bridge Port, Connecti cut, Mr. & Mrs. Matthew McIntyre and Family, New London, Connecticut, Mr. & Mrs. Larry Johnson and Family, and Mrs. Johnson, Akron, Ohio, B.F. Richard son and Family, Platts burgh, New York, and Mr. & Mrs. Harold Byers and Family, new London, Con necticut. Winston-Salem guest were Mrs. peggy Ormonds, Mrs. Maude Jackson, Ms. Pauline Jack- son, Mrs. Gertrude Mur chison, Mrs. Flora Massey and Mr. George Cathey. misses’ knit tops 6.40 to 12.80 Regularly $8 to 816. Short sleeve and sleeveless knit tops with scoop or V-necks. Solids, prints. S-M-L. MODERATE AND PACESETTER SPORTSWEAR misses’ famous name shorts $9 to 13.50 Regularly $12 to $18. Puii on and beited styie shorts in severai iengths. Soiids, piaids. 8 to 16. MODERATE AND PACESETTER SPORTSWEAR misses’ cotton biend nightwear Va Off Regularly $6 to $31.00. Seiect from gowns, robes, p.j'.’s and more. Cooi cotton biend fabric. NIGHTWEAR misses’ famous maker coordinates Va-Va Off Regularly $12 to $135 For those hot days of sum mer, Select from seer sucker and cotton blend coordinates. Ail from your favorite designer. misses’ famous name swimwear save 25% From Cataiina, Jantzen and Robby Len, a great selec tion of one and two-piece styles. Solids, prints. 8-16. ACTIVE SPORTSWEAR junior tops Va-Va Off IRegularly $9 to $17. Sleeveless and short sleeve knits. In pastels or summer brights. JUNIOR DEPARTMENT junior dresses Va-Va Off Regularly $24 to $36. Spring and summer dresses in polyester and cotton blend. Includes suits, 2-piece dresses, sun dresses and shirt waist dresses. Sizes 7-13. JUNIOR DRESSES JULY STOREWIDE ^ save on_ summer fashions for misses and juniors Have it now ..use your Belk, Visa, American Express, or Master Charge card. Balk of Winston-Salem • Hanes Mall 768-9200. Monday to Saturday, 10 A.M. to 9:30 P.M. Sunday 1 to 6 P.M.
Winston-Salem Chronicle (Winston-Salem, N.C.)
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July 25, 1981, edition 1
7
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