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The New Era Paper
Sweet Home, Oregon
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February 15, 2012     The New Era Paper
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February 15, 2012
 

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Page 12 VOLJD ("_i3IMIINITV Putting Your Money to Work for :lle e, ra - February 15, 2012 Y ,)13; Extraordinary Help for Ordinary FolksJ ] m Premium CPA Services at Low Hourly Rates. I Special rates for Seniors, Military and Low Income Families. I I FREE 30 MINUTE CONSULTATION I l Come See How Much I.Can Save You! I t.OR # 10784 I pa2' for referrals-askjbr details. WA # 16221j SUNDBERG, RAUCH, BENNETH, HORNER & McFETRIDGE, CPAs, LLC STEVEN E. HANSCAM C.P.A. 1331 MAIN STREET P.O. BOX 448 BUS. PHONE 367-2157 SWEET HOME, OR 97386 FAX (541) 367-2158 S h a n sca mcpa@cent urytel, net Janice M. Horner, CPA ri. TAX PLANNING AND PREPARATION . OUT OF STATE RETURNS BUSINESS CONSULTING FINANCIAL STATEMENTS & AUDITS ACCOUNTING AND PAYROLL SERVICES EVENING AND WEEKEND APPOINTMENTS 884 PARK ST. (541 ) 259-1201 LEBANON, OR 97355 FAX: (5=11) 259-1208 LNS Bookkeeping & Tax Preparation Service Have your Prep Fee held out of your Refund! Check out my r -- -- -- -- -- ,m Competitive Prices. I GREAT SERVICE! I Come by for a FREE estimate! The company where II customer service counts! I The New Era reminds you to THINKLOCAI SHOP LOCAL Shopping Locally Helps Us All! www.lnsbookkeepingtaxprep.com Find us on Facebook. Katrina Long Enrolled Agent License #79677 Licensed Tax Consultant License #71878C I Earn Extra Cash I I with my New Client II Referral Coupons!, i | CALL FOR DETAILS! " ph: 541.258.4829  fox: 541.258.3224  cell: 541.760.0124 610 Park Street Lebonon, OR 97355 denilass.com L I I I I I Now's time to take finan "Silly season" - the months o' campaigning that lead up to a pesidential election - is well under ray, and it's a sure bet the coun- ty's money, finances and spending hbits will be favorite issues for pliticos of all persuasions. But while the debate and rhet- oric is sure to be heated on both sides of the political fence, taking control of finances - specifically, your personal ones - is something worth considering this year. "It's never too early or too late to educate yourself about your fi- nances and to take control of your spending and saving," says Willie White, program chair and account- ing instructor at Everest College in Aurora, Colo. White offers four tips to help get you started: Assess your finances Make a list of all sources of income and expenses, including: mortgage payments, rent, utilities, car payments and insurance and credit card payments. If you recently experienced a significant change in your personal or financial life, then you may also benefit from consulting a financial professional. Even if you have to pay some money up front, a professional fi- nancial manager can help you iden- tify possible tax breaks, or advise you on possible debt management strategies. White also advises you to get a copy of your credit report; you can access it for free by visiting www. annualcreditreport.com. Organize your finances After you've assessed your situation, make a monthly budget with concrete; manageable goals. Set aside a certain time each week devoted to managing your financ- es, and automate as many of your payments as possible. If you are not sure how much you currently spend, then you should keep a "financial log" for one month, in which you record all expenses on discretionary items such as food, gas, clothing, etc. Transition to online payments. "Paying your bills on time What's Your ldea Of Financial Security Kendall Holmes Lebanon I 541-451-5777 www,countryflnanclal .tom )12012-00863AC FINANCIAL 2p DeniLass Business & Tax Services ,B14708 Karl Denison Lasswell, EA#96303/LTC#28886-C & Sheila Sneddon. EA#79392/LTC#26291-C ' Licensed Tax Consultants J Enrolled Agents Affordable Individual Income Tax Preeration Payroll, Bookkeeping & Business Services ARA Content cial co:00::'ol not only will save you money by helping you avoid late payments, but it is a crucial first step to build- ing your credit score," says White. Moving to automatic deductions not only makes sure your bills are paid on time, but can also save you time and hassle. Start saving "There is only one rule to sav- ing - spend less than you earn," says White. The key to saving is to : create and commit to a reasonable budget that includes manageable savings goals. If possible, have a set amount go directly to your savings account by automatic deposit. To make the most of your sav- ing, White suggests you see if your employer offers a 40 l k as part of your benefit package, which allows you to deduct savings automatically and actually reduces your taxable income. If your employer offers a matching dOlk option, maximize your savings to take full benefit of the matched amount. Deal with your debt For many, credit card debt can seem overwhelming, but there are a number of steps you can take to feel in control of your payments again. "Your first step can be to cancel credit cards with annual fees," advises White. White also urges you to con- sult debt consolidation companies. which gather debt from various credit cards under one umbrella ac- count, and help you reduce month- ly payments. However. the most important piece of advice White offers is to get informed. "The more you know about your finances and your op- tions, the better consumer and in- vestor you will be." says White. - ARA Content