Homemaker Leader Training November 10:00 am

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1 Cooperative Extension Service Taylor County 1143 South Columbia Avenue Campbellsville, KY (270) Fax: (270) taylor.ca.uky.edu Homemaker Bazaar 2 Where to Store What in the Fridge 3 Bluegrass Way Special Interest Club 3 Ovarian Cancer Screening 4 Yarn With Us Crochet Club 4 Homemaker Council News & Notes 4 Explore Kentucky With Us 5 Volunteer Service Hours 6 Horticulture Classes 6 Kaleidoscope Tree Skirt 6 100th Anniversary of Extension Open House 7 Calendar of Events 7 Baked Apples & Sweet Potatoes 8 Moneywise Newsletter Homemaker Leader Training November 10:00 am The purpose of this lesson is to reinforce the importance of family traditions, emphasize habits to preserve and respect traditions, and provide practical ways to establish new traditions.

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3 Volunteers needed to assist FCS agent at Bluegrass Way Assisted Living. This is a once a month program conducted at 10:00 a.m., the third Thursday of each month. You can volunteer for as many as you would like. Clubs can also adopt a month if you choose to go that route. The Extension Office will pay for any supplies needed for the program. If you have any questions or if you would like to sign up for a date, please contact Audrey at the Extension Office. Dates Available: November 20...December 18 January 15...February 19...March 19...April 16...May 21...June 18

4 November 27, 2018

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6 New!!!!! There are NEW categories for recording volunteer service hours: Extension any activity that is agent-led, i.e. LEAP, County Extension Council Homemaker any activity that is led by Homemakers, i.e. Soup Luncheon, Bazaar, leader trainings Community activities involving the community, i.e. School, Church, Hospital Auxiliary Personal activities where a person volunteers to help another, i.e. Babysitting grandchildren (who do not reside with that person), driving parents or another person to doctors appointments A form to record these hours is in the new Homemakers Handbook distributed at Club meetings in September. If you have any questions regarding the VSU Hours feel free to contact Christie Goodhue. Thanksgiving Floral Design Class November 20 at 5:30 pm ($10.00 fee limit 12 per class) Please RSVP by November 9th Christmas Wreath Class November 27 2:00 or 5:30 pm (limit 15 per class) Please RSVP by November 20th Kaleidoscope Tree Skirt November 13, :00 am This is for challenged beginners. Straight line sewing, special cutting. Contact the Extension Office for a list of supplies needed for each of the classes or to register. The Cooperative Extension Service prohibits discrimination in its programs and employment on the basis of race, color, age, sex, religion, disability, or national origin. To file a complaint of discrimination, contact Jim Lawson, UK College of Agriculture, ; Terry Allen or Patty Bender, UK Office of Institutional Equity and Equal Opportunity, ; or the USDA, Director Office of Civil Rights, Room 326W Whitten Bldg., 14th & Independence Ave. SW, Washington, DC ( ).

7 Celebrate 100 years Extension Taylor County

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9 Taylor County Extension Office 1143 South Columbia Avenue Campbellsville, KY Phone: (270) AUGUST 2016 NOVEMBER 2018 THIS MONTH S TOPIC: WARDING OFF LIFESTYLE CREEP Imagine: You got that job you have been wanting. And more importantly, it came with that pay raise you had long been hoping for. Congratulations! You imagine all of the money you will be saving with your bump in pay. But three months later you check your bank account and it has not grown! What happened? you ask yourself. I am making more money. Why haven t I been able to save more money? The perpetrator in this case is lifestyle creep. Lifestyle creep occurs when a person s standard of living increases along with their increase in discretionary income (discretionary income refers to expendable income left over after necessities have been paid for). Also called lifestyle inflation, lifestyle creep often occurs when people have a sense that they deserve more amenities now that they reached their goals or feel as though they want to reward themselves. Put simply, lifestyle creep is the phenomenon that the more you earn, the more you spend. Unfortunately, it can pose a serious threat to your pocketbook. How does lifestyle creep happen? The short story above is a perfect example. Instead of saving the majority of the money from a pay raise, you have likely increased your standard of living. You may have done this

10 Pay yourself first. As a part of your structured budget, be sure to set aside the money you want to save first. And then budget the remainder of your expenses after. This will ensure that you allocate enough money to your emergency savings and retirement fund. If you wait to contribute to your savings after you have budgeted everything else, there may not be any money left over to save. in any number of ways. You could be buying that specialty coffee that you would not allow yourself to have before. You could be eating out more frequently than you were before. Or maybe you have decided to buy a new car but you were not prepared for how expensive it would be to maintain. Regardless, lifestyle creep is a result of increasing your spending. Won t I know that lifestyle creep is happening to me? Not necessarily. Lifestyle creep tends to sneak up on people. That s why it s called lifestyle creep! Most people are not consciously aware of the fact that they have begun spending more money on luxury items or amenities that previously would have seemed too expensive. What can I do to prevent lifestyle creep? Maintain a budget. The most effective way to prevent lifestyle creep is to maintain a budget. One of the many great advantages of budgeting is that it allows you to take a look at your finances without getting your emotions involved. The numbers are what they are. This way, you can track your spending and take note when you see increases in discretionary spending. Celebrate smart. You can still celebrate the fact that you or your spouse got a job promotion. You just have to do it responsibly. Set a spending limit on your celebratory vacation. Or make incremental changes to your household furniture instead of buying a new set all at once. Or wait to see what the impact of that job promotion will have on your finances before you rush out to buy a new car. You have worked hard. You deserve to treat yourself. Just be sure to do it in a way that is safe and responsible for your family s finances. Alex Elswick, MS, Extension Associate for Family Resource Management, Department of Family Sciences, University of Kentucky Cooperative Extension Service, (859) ; alex.elswick@uky.edu Jennifer Hunter, Ph.D., Interim Assistant Director of Family and Consumer Sciences Extension, 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