Page 4 shop online at www.broadcasteronline.com June 7, 2011 DAVE SAYS: 1101 Getting Back On Track After Years Of Debt Dear Dave, I grew up in a house where my parents always lived below their means. They taught me to live that way, but they never showed me how to make it happen. Now, at 45, I’ve gotten out of debt and fallen back in several times. I’m sick of this, and I want to get control of my money. How do I break this bad cycle? Sandy Dear Sandy, It’s frustrating, isn’t it? The fact is, you’re pretty normal. But who wants to be normal when normal is broke? It sounds to me like you’ve had a “Dr. Phil” moment. You’ve taken a look at your situation and asked yourself how your behavior is working for you. You’re also smart enough to know that it’s not working and that you want to make a change. That’s a great place to start! When it happened to me, there were three pieces to the puzzle that helped me break the cycle. One was disgust. I realized that what I was doing was stupid, I was tired of living that way, and I made a conscious decision that things were going to be different. The second thing was fear. I was scared to death that I’d retire broke. Now, don’t get me wrong. I don’t think you should ever live your life in fear, but a reasonable level of fear can be a great motivator. The third piece, and I think it’s the most important part because it’s connected to our spiritual walk, was con- Hartington Tree Service • Tree Trimming• Removals/Transplanting •Evergreen Shade & Ornamental Trees For Sale Serving SE South Dakota & NE Nebraska for 17 years www.hartingtontree.com Kyle & Kent Hochstein (402) 254-6710 that wasn’t on your list—it’s a victory. Spending money on a bunch of stuff you don’t need, and probably don’t really want, isn’t going to bring you contentment. I think that’s the word you need to keep in mind and the thing you should be praying for while you ?ght this battle. Believe me, it will help! —Dave tentment. We live in a culture that is marketed to more than any other at any time in history. When we have this stuff crammed down out throats all day long, rapid-?re, it can affect our level of contentment. One of the things I did was to stop going places where I was tempted to spend money. If you go wandering through a store or the mall without a speci?c plan, you’ll lose every time. You wouldn’t give a drunk a drink, right? So, don’t put yourself in a bad situation when it comes to your behavior with money. When you have to go to the store, make a list of only the things you need, and take enough cash with you to make the purchase. If you can do that—walk in and walk out again without buying a bunch of stuff PRECISION PAINTING Saving Before The Mortgage? Dear Dave, Why do you recommend saving before paying off your mortgage? I’ve always thought of a house as a liability that should be paid off as quickly as possible. Mark Dear Mark, You’re off base on this one. The truth is INTERIOR • EXTERIOR COMMERCIAL • RESIDENTIAL Quality Workmanship, Reasonable Rates Since 1983 CLINT TUCKER • 624-4621 A17407 Announcing...Vermillion Tell them you saw it in the Broadcaster! 624-4429 JUNE 23 -25 TH Ask About Our On-line Rummage Map! 27.00 prepaid Stop By The Plain Talk To Place Your Ad OR Place It On-line $ At www.plaintalk.net or www.broadcasteronline.com! Includes: * For more ?nancial help, please visit daveramsey.com. Vermillion, SD Citywide Rummage RD that a house is an asset, and the mortgage is a liability. That’s straight from the pages of Accounting 101. There are folks out there who will try to tell you a house is a liability, because it costs you money. In fact, that house will make you more money than it cost when you sell it, so it’s an asset! I’ve met 70-year-olds with houses that are paid for and no money in the bank. It’s a really sad situation. That’s why I want people to work on having an emergency fund and 15 percent of their income going into retirement ?rst. Then, take everything above that and put it toward paying off the house as fast as possible. But don’t believe all this stuff about a home being a liability. It’s just not true! —Dave (20¢ per word over 30 words) • Your ad (30 words, 1 address per ad) placed in the special Citywide Rummage Sale section published along with the Vermillion Locator Map on Tuesday, June 21 & Friday, June 24 • Your ad will also appear on-line at www.plaintalk.net AND www.broadcasteronline.com • Garage Sale Kit: 2 Yard Signs with Stake, Stickers & Balloons DEADLINE: Friday, June 17th Announcements Events Sunday evening Experience at ONE HOUR is comprised of two primary elements: powerful worship and a life-changing message. Worship at ONE HOUR is led by a talented live band in a style that is consistent with todays culture and a relevant teaching message from LifeChurch.tv’s senior pastor, Craig Groeschel, via video broadcast. The worship is intense and the teaching is challenging but the environment will be relaxed and casual. ONE HOUR on the USD Campus at the MUC, 6:30pm Sundays! www.one-hour.org The Vermillion First United Methodist Church, a welcome place reaching out to all God’s people. Located at 16 N. Dakota St., Sunday School 9:15am, Worship 10:20am. Call 624-2179 for more info. Pastor Brook R. McBride. TO INVESTIGATE OTHER ADVERTISING OPPORTUNITIES Call PaperChain at 931-922-0484 or e-mail info@paperchain.com (MCN) TRINITY LUTHERAN CHURCH, 816 E. Clark, 624-4442: WORSHIP: Saturday Evening at 5:30pm; Sunday Morning at 10:00am. Holy Communion on the 1st and 3rd Sunday each month. Sunday School, 9am. Info: www.trinityvermillion.org UNITED CHURCH OF CHRIST CONGREGATIONAL, 226 E. Main St., Pastor Steve Miller. 9:30a.m. Worship Service. No Longer S t r a n g e r s www.uccvermillion.org Vermillion Alcoholics Anonymous Group: A fellowship of men and women banded together to help each other recover from alcoholism. Meetings are held in the Post Office basement. Closed AA on Tuesday, 8 p.m. Closed AA on Friday, 8 p.m. Apartments NEXT TO WALMART UNDER NEW OWNERSHIP NEWLY CONSTRUCTED APARTMENTS • LOW ELECTRIC BILLS New large 3-bedroom with master bedroom, master bathroom, walk-in Closets New large 2-bedroom Handicap accessible, no pets, no parties. Only pay electricity, all other utilities paid! 214 Bower Street, Vermillion CALL GARY Cell: 712-899-0505 Corps of Discovery Welcome Center th 10 th Anniversary Open House June 11th • 11am-5pm Wine tasting – Hamburgers & hot Nissen Winery dogs available – free cake & coffee serving samples Visit our Fun for the Local unique gift Trail Speakers shop hiking - entire family! at 1 pm all day Corps of Discovery Welcome Center sponsored by the: 89705 Hwy 81, Crofton NE 68703 402-667-6557 • cdwc@byelectric.com Facebook Page – Corps of Discovery Welcome Center