The Press-Dispatch
Issue link: http://www.ifoldsflip.com/i/1304002
B-8 Wednesday, October 28, 2020 The Press-Dispatch CLEARANCE EVENT CLEARANCE EVENT 2020 Model Year 2020 Model Year Rocktober rockin' Year Year Year Year Rocktober Rocktober Rocktober Giant $ 38,035 CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT 2020 Mode 2020 Mode 2020 Mode 2020 Mode 2020 Mode 2020 Mode 2020 Mode 2020 Mode 2020 Model Year Year Year Year Year Year Year Year Year Year Year Year l Year l Year l Year l Year l Year l Year l CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT CLEARANCE EVENT Year $ 38,035 Credit Problems? 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Trailer Tow How to save on family expenses The pandemic sparked by the spread of the novel corona- virus COVID-19 in the winter of 2019 -20 blindsided much of the world. Since the World Health Organization declared a pandemic in March, millions of people across the globe have lost their lives, while hundreds of millions more have lost their livelihoods. Data from the Bureau of La- bor Statistics indicates the un- employment rate in the United States, which was lower than 4 percent in the weeks prior to the WHO's pandemic dec- laration, was nearly 15 per- cent by mid-May. While that figure dropped to less than 9 percent by the end of summer, many families are still con- fronting financial challenges stemming from the pandem- ic. Some parents may still be out of work, while others are working on reduced salaries as their employers try to over- come the economic challeng- es posed by COVID-19. No one knows when the pandemic will end and life will return to normal, so families facing financial uncertainty can benefit from tightening their belts for the long haul. Thankfully, there are various ways for families to cut costs that won't adversely affect their quality of life. • Plan more meals. Impulse buying is one of the most cost- ly ways that families over- spend. A 2018 survey from Slickdeals.net found that the average consumer in the Unit- ed States spends $5,400 annu- ally on impulse buys. More than 70 percent of impulse spending goes toward food. Families looking to cut costs can plan more meals so they know what they need when they visit the grocery store, which should reduce the amount of money they spend on spur-of-the-moment pur- chases. • Simplify special occa- sions. It can be fun to go a little overboard for birthday parties, anniversaries and holiday gatherings. Howev- er, such spending should be seen as a luxury during a re- cession. Momentous occa- sions can be both special and inexpensive. Birthday picnics in the park or at the beach can be just as unique and memora- ble as lavish parties, and they won't cost nearly as much. Parents can agree to forgo gift-giving on anniversaries or birthdays, opting instead for romantic homemade dinners. • Think of new ways to get away. Many families can- celed or postponed vacations in 2020 as travel restrictions and social distancing guide- lines greatly limited trav- el options. While it might be possible to travel safely again in 2021, families still dealing with the fallout from COVID-19 may be hesitant to plan traditional vacations. Thankfully, there are ways to get away without breaking the bank. Many campsites are free or charge nominal fees to use their facilities, and such excursions can be great ways for families accustomed to fly- ing and five-star hotels to en- joy new experiences. The pandemic has posed financial challenges for mil- lions of families. But there are ways for families to re- duce their spending without cutting back on their quality of life. Get in the habit of saving more each month Saving is a vital component of financial planning. Howev- er, more than half of Ameri- cans are saving too little and do not have an accurate grasp of their spending habits. A recent survey from Intuit Mint Life found that, in 2019, 59 percent of Americans were living paycheck to paycheck and 65 percent didn't know how much they were spend- ing on a monthly basis. The situation is similar in Canada, where the annual BDO Can- ada A ffordability Index indi- cates 53 percent of Canadi- ans are living paycheck to pay- check and 25 percent say their debt load is overwhelming. While there's no magic for- mula to save money, and the amount of money one should save each month depends on how he or she wants to live now and in the future, a hand- ful of strategies can help peo- ple save more money each year. • Follow the 50/30/20 rule. The popular 50/30/20 rule ad- vocates for allocating 50 per- cent of your budget to essen- tials like rent, food and hous- ing, 30 percent for discretion- ary spending and 20 percent for savings. Many people can- not save 20 percent of their in- come. In such instances, peo- ple can make a concerted ef- fort to save 10 percent of their take-home pay. • Build an emergency fund. The credit reporting agency Experian recommends con- sumers keep between three and six months' worth of ex- penses in an emergency fund. The fund should cover expens- es on the absolute necessities paid each month, like utilities rent/mortgage and groceries. • Set goals. Savings goals can help a person stay on track and provide motivation to put money away. Establish separate savings accounts for each goal to reduce the temp- tation to spend. For example, if the goal is to save more for vacations, then a person can open an account where funds are used exclusively for vaca- tions. • Automate with your em- ployers' help. Certain em- ployers allow workers to di- rect deposit a paycheck into more than one bank account. It's easy to request the payroll manager put 10 percent or 20 percent of a paycheck into a savings account while the re- mainder is deposited into a checking account. Automat- ed deposits can help individ- uals get accustomed to living on less. Saving money isn't always easy, but with goals and cer- tain strategies in mind, it's possible for individuals to grow their savings and secure their financial futures.