Good budget handling saves family conflicts

Managing the family financiai, Bickering. over money has, rere. ne gees self-discipiine| long been one the major | on the of both husband and} sources of marital conflict, and |

wife 7B omy it comes to persona!| even the most level-headed find tures.

they are constantly having

. BUT MANAGEMENT IS NEEDED

Wedding invitations

The wedding reply should be

The problem for wedding guests is sometimes not what to| written on the first page of a wear or what kind of gift to send,| sheet of folded note paper plac- but amet how to tell the bride’s| ed with the fold on the left. If} family that will be delighted to| the paper is small oe sneak the wedding. tely three by four jnch size) it

A wedding invitation which} May be used with the fold at includes an invitat the | the top so that each line of writ- reception (and-or ree Di one ing will fit across the card. dinner) requires a formal writ-| PROPER FORM ten reply, An invitation Ry the| The invitation is worded for-| church only does not require a| mally; the reply must also be! y reply. pete even when the invitation

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| Old car? Should we take a trip now, or put it off til we have a larger savings account?

There’s no problem if both See eye to eye, have patience, and stick to a long - range plan rather than spending in ill-con- ceived spurts.

In a booklet titled “Personal Money Management,” which is published by the American Bankers Association, healthy advice is given on budgeting. money manage- says the booklet. “does not require painstaking book- Soe but it does require sel- ectivity and loyalty to the cou- ple’s goals.”

Flexibility in budget account- ing is urged. It doesn’t matter whether the couple uses a fam- ily account book, an envelope system, or does the sections. ing on check stubs. It’s the not the means that

Usually it’s the bride in® whose hands falls the business of fam- ily financing. And if she rides herd on both her husband and herself when spur-of-the-mom- ent buying gets into the picture, she'll be a good money manag- er.

comes from a close friend.

The form of accéptance reads:

Mr. and Mrs. Stewart Jones accept with pleasure Mr. and Mrs. Albertson's kind invitation for Saturday, the ninth of June at eight o'clock.

If the invitation to the recep- tion reads ‘‘immediately follow- ing the ceremony” rather than listing an >xact time, the last | line is omitted.

If those invited are unable to! attend, this form us'

Mr. and Mrs. regret that they are unable to accept Mr. and Mrs. Albertson's kind invitation for Saturday, the ninth of June

If a husband or wife is unable to accept because of illness or absence from the city, the nite’ a May accept in ‘this|

eer Jones

rg Miweart Jones accepts with pleasure

r. and Albertson's kind invitatio Saturday, the ,ninth of June but regrets that

Mr. Jones will will be absent at the time.

Housework said. muscle builder

Confined to four walls — and a homemaking career — when you've been used to tennis mat- ches and a bowling league? | You won’t use the same ath- | letic equipment, but you 1 keep your muscles in trim whiie you do your housework. And get more fun out of it, if . think of floor scrubbing as healthy knee bend ar tea as a mere dirt chase: The authority aa ives this

new slant on old-time drudgery |

| ts Dr. Frederick Stare, profess- | or of nutrition at Harvard Uni-

| versity,

As added inducements, he mentions loss of pounda perfection of posture.

The program a for reach- | ing, oe bending, @and | ballet rock-and-roll which will knock pounds off your hips while ' wash the dirt away from | the baseboards.

For

| freshment tables or elaborate

|

can |

e and |

"FOR MOTHER

The mother of the bride will be in the latest

Mr. by oe coincidence, dance for

che Guardian-The Patriot,

Sat,, Mar. $1, 1962 TA

Finance review needed when buying on credit

pay later,” a credit

“Buy now, “Charge it, “Invest in

card.’ These appealing slogans may help or harm the young couple

MR. AND MRS. X HAVE RARE MEET

LOS ANGELES (AP)—Mr.

X was in a mental hospital at Camarillo, Calif.

His wife was in a mental

— in Norwalk, 55 ‘malles south.

And, though they didn't

know it, hospital authorities were

to reunite’

X and Mrs. X had met, at mental patients at Los Angeles County General Hospital, where they were admit separately this month. They hadn't seen each other since 1954 or 1955 in New York.

The man told his psychia- tric counselor about the

anxious for which ane are weenie

purchases to |

finance

pay cash. How safe is such credit buy-

ing?

chance meeting and the wife told hers—and each ‘counselor | at first assumed the meeting | took place only in the fantasy world of the mentally ill. Then the coynselors com- pared notes. T found that the long-separated couple had, met — and then bad been separated again when they were assigned to differ- ent hospitals for further treat-

ment,

Last Friday aneeien de- cided it would do good

to meet again. Plan were made to have Mrs. trans- aot to the hospital 4 Cam- |

val the plans were cancelled

Authorities said x— still unaware of hss ‘to be reunited with his wife — col- lapsed and died of a heart at- tack.

Most money lenders agree that no young couple should use more than 15 percent of their monthly income for repayment of loans, and feel that 10 per- cent is a safer figure.

They recommend taking an overall look at their income be- | fore embarking on credit buy in,

Dividing the income into four parts, allocations can be split in this fashion: Housing, one-quart- er; food, one-quarter; clothing, insurance, medical expenses, one-quarter; spending (savings, entertain- ment, and aoe advancement) one-quarter. | The couple whose clothes bud- get is low can use some of this sura for installment buying, or cut down on entertaining to make a needed appliance pur-

chase. | GOOD RISK Defining a good credit, risk, Edward J. Frey, president of the Union Bank and Trust Co., Grand Rapids, Mich., says, “The basic requirements from \a nen ar of view depend many factors — regularity be sufficiency of income from a reliable source, occupation,

and discretionary |

education, income and expense. Also the banker must give| weight to such things as per- | sonality, temperament age, fa- | mily relationships, skills, and in- telligence of prospective borrow- ers

Frey is currently chairman of | the installment credit commit- | e of the American Bankers As-

Others in the loan business agree that couples serious about | fepaying their obligations—and able to do so—need not fee! guilty about borrowing; as ‘ong as the loan is for worthwhile

| purposes.

PREGNANCY LEAVE Working women in Romania

t

sociation, and is thus in close touch with 12,000 American ban active in installment lending.

are entitled to 112 days leave with pay when they have ba- bies.

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style in this creation from a_ selection at | Holman’s of P.E-I. The | model is Mrs. Walter | Beairsto. |

RENTAL AGENCY IS AID TO BRIDE

wnite runner for the church | aisle. the reception enn . formal dress for nin the wedding party mall these things and many more can be rented at rates based on a service and equip- | ment requi Races can be made on short notice. But generally | bridal rental services should be | notified at least a month and | sometimes as much three | months in advance of the cere- | mony. | Tents are available for gar- | den weddings — either decora- | tive side tents to protect re- |

canopies complete with wooden floors for dancing.

Bridal rental services are us- ually listed in thg telephone dir- ectory. They're welcom by both budget and:luxury minded brides

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