Lesson for October. October 4 Homemaker Executive Council Meeting Old Hickory Bar-B-Que - 12:00 p.m. Roll Call

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1 FAMILY & CONSUMER SCIENCES Cooperative Extension Service Daviess County 4800A New Hartford Road Owensboro KY Fax: extension.ca.uky.edu Lesson for October Understanding the Basics of Team Work Roll Call Name your favorite dish made with or from apples. Thought of the Month Anyone can count the seeds in an apple, but only God can count the number of apples in a seed. - Robert Schuller October is National Apple Month More than 2,500 varieties of apples are grown in the U.S. Only the crabapple is native. The largest apple ever picked weighed 3lbs. Apples are a member of the Rose family. Just a reminder there will be no Lesson Leader trainings in October. November & January lesson materials will be available for pick up at the Daviess County Extension Office on Monday, October 24. Club goals and membership fees are due to the Daviess County Extension Office by Friday, October 28. October 4 Homemaker Executive Council Meeting Old Hickory Bar-B-Que - 12:00 p.m. October 6 Horticulture Fall Floral Workshop October 9-15 KEHA Week October 18 Green River Area Homemakers Annual Meeting Union County, KY - 9:30 a.m. October 20 Diabetes Education & Support Group Daviess County Extension Office - 5:00 p.m. October 28 Brown Bag Book Club Daviess County Extension Office - 11:30 a.m. November 1 Goodfellows Club Soup Day Settle Memorial United Methodist Church November 1 Homemaker Advisory Council Meeting Daviess County Extension Office - 5:30 p.m. November 2, 9, 16 Estate Planning Workshop Daviess County Extension Office - 5:30 p.m.

2 Date: October 18, 2016 Location: Camp Breckenridge Museum and Art Center 1116 N. Village Rd Morganfield, KY Theme: Salute the Past, Embrace the Future Speaker: Vicki Ricketts - Curator Goodfellows Club Community-Wide Soup Day for Kids November 1, :00 a.m. - 1:00 p.m. Settle Memorial United Methodist Church 201 E. Fourth St Owensboro, KY If you or your club would like to volunteer or provide deserts for this event, please contact Kathy Strobel at Just a reminder that KEHA week is October This would be a great time to get out and do something fun with your club to promote homemakers. Registration: Starts at 9:30 a.m. and Meeting begins at 10:30 a.m. Menu: Party Sandwich Loaf Patty s Homemade Vegetable Soup Relish Sticks Crackers Apple Cake Tea & Coffee Tickets: $15.00 Tickets may be purchased at the Daviess County Extension Office no later than Monday, October 10. Daviess County Homemakers will be putting together a gift basket to support Ovarian Cancer Awareness/Screenings. All clubs are asked to donate items for the Family Fun Night themed gift basket to the Extension Office by October 14. (Examples of items to bring: Popcorn, snacks, small games, playing cards, candy, DVD)

3 Session 1- November 2, 2016 Know where you are and what you have Estate planning goals Record keeping Selecting your estate planning team Session 2 - November 9, 2016 Wills & Probate Estate taxes, federal & state Durable Power of Attorney Choosing a Guardian Session 3 - November 16, 2016 Healthcare Directives The Living Will Retirement Accounts Long-term Care Financials of Estate Planning You may register at the Daviess County Extension Office or by calling Cost: $10/single or $15/couple Please make checks payable to: Daviess County Program Fund The Fall Floral Workshop with Daviess County Horticulture Technician, Andrea Stith will be held twice on Thursday October 6, The first workshop will be 10 a.m. - noon and repeated in the evening at 6:00-8:00 p.m. Pre-registration and a $15 supply fee will be required to attend the class and must be in our office before we can reserve a spot for you. The fee must be received by the close of business (4:30 p.m.) on October 4. There is a 20 person maximum for each workshop. Please make your check payable to Daviess County Program Fund You may drop off or mail your payment to the Daviess County Extension Office. A big thank you to all the individual club members who donated cookies to sell at Yellow Creek Park Pioneer Days. We raised $81! This money will go to the scholarship fund. The Brown Bag Book Club will meet at the Daviess County Extension Office on October 28 at 11:30 a.m. Bring your lunch, book, and/or book summary and enjoy a good time with us. O C D M Z Z A M H M F N X T B L C N F Y C O T A B L E S O R C R T D Y N X N U H O E U A S W K N O S O B F N M J W R K Z X A J T B Y C I T Y K O O P S C W E X C E K K E T A L P L I M R L F H P R R D A Z L P T D P U H S M Z S L G U O A M R Q K N M U C O S T U M E H D I E N G P M Q E I S W I T C H C M K I U X Y Y T O M A A H A K Y W Y L R J R S H S W Q M U U U O C L B E H X G W A G K L F Y O K G A O M K V P U N W P S N S O T P U G M W X D S W H C T BAT CANDY COSTUME GHOST GOBLIN HALLOWEEN HAUNTED MONSTER MUMMY OCTOBER PUMPKIN SPOOKY TREAT TRICK WITCH Mary Higginbotham Daviess County Extension Agent for Family & Consumer Sciences Education

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5 Daviess County Extension Office 4800A New Hartford Rd Owensboro, KY

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7 Jennifer Hunter, Ph.D. Associate Extension Professor Family Financial Management (859) AUGUST 2016 OCTOBER 2016 THIS MONTH S TOPIC: HOLIDAY SHOPPING ON A BUDGET Although summer may not seem that far behind us, the holiday season will soon be here! Holidays are often an exciting time of the year. Spending time with family, enjoying time off work, and celebrating with family traditions are enjoyable activities. However, the holidays also can represent added stress due to the crunch on your wallet. Decorations, gifts, and food expenses add up quickly. The months of October, November, and December can be very expensive, in terms of holiday spending. Establish a budget. Before you even think about stepping foot in a store, prepare your holiday shopping budget. To do this, make a list of everyone who you are planning to buy for and then determine how much money you are able to spend on each person. No matter how small of a gift you intend to give, it is important to include it in your budget. Holiday shopping can be both a rewarding and stressful experience. Every year, millions of Americans flock to retail and online stores to buy gifts for their family and friends. Unfortunately, poor planning and the pressure to buy the perfect gift often leave many families in debt in the months following the shopping season. If you are worried about overspending this year, the following tips will help you to develop a plan for buying gifts for everyone on your list without breaking the bank.

8 your shopping early will save you money and also cut down on the stress associated with holiday shopping! Track your spending. Be sure that you keep track of your spending so that you know how much money you have already spent before making additional purchases. This is particularly important for shoppers who like to spread out their holiday shopping over the course of the year. Use cash. When doing your holiday shopping, use either cash or debit and avoid using your credit card whenever possible. Using cash or debit forces you to avoid spending money that you don t have. Additionally, using a credit card most likely means that you will be paying interest on your holiday purchases. Do not open department store credit cards. When you are at the cash register this holiday season, the sales associate will most likely offer you an attractive discount on your purchase in exchange for opening a department store credit card. However, that discount will quickly disappear if you are not able to pay your credit card balance in full. Keep in mind that these credit cards often come with annual percentage rates of 20% or higher. Do your research. Prior to heading out to the stores, take advantage of the Internet. If you know exactly what you want to buy, a quick Internet search will provide you with a list of prices for any given item. Keep in mind that many stores price match, meaning that if you wish to buy from a particular store, they may be able to match the lowest price offered by their competitor. Start shopping early. Don t plan on waiting for the holiday season to arrive to start your shopping. You are likely to find great deals all year round if you keep your eyes open. Starting Think about what is important to your family. Before spending, think about what it is about the holidays that your family considers most important. Holiday traditions such as a big family meal may be more important than being able to give a certain number of gifts. Free gift wrap. During the holiday shopping season, many retailers offer free gift wrap. Taking advantage of these services will save you money on gift wrapping supplies at home and time. Do it yourself! If you are feeling creative, consider making do-it-yourself gifts for family and friends. Do-it-yourself gift wrap using supplies such as newspaper or paper grocery bags is also a great way to save money during the holiday season. Keep these tips in mind before your next holiday shopping outing. Remember that it is important to budget and prioritize your holiday spending. Take a moment to think about what is really important to you during the holiday season and enjoy your family and friends! Kristyn Jackson, LMFT, Ph.D. Candidate, Department of Family Sciences, University of Kentucky Jennifer Hunter, Ph.D., Associate Extension Professor Family Financial Management, University of Kentucky Cooperative Extension Service, (859) ; jhunter@uky.edu Stock images: 123RF.com Become a fan of MoneyWi$e on Facebook! Facebook.com/MoneyWise