120914_YKMV_A2.pdf
December 9, 2014 • Page 2
1020
shop online at www.missourivalleyshopper.com
Food - Beverage 1200
Homegrown Chicken Fryers,
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1200
Cars
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2007 Honda Accord EX-L,
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Cars 1200
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nani
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1205
SUVs
Snow Blade for older Jeep
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1210
Scrap Iron Wanted
Old Cars, Trucks, Buses,
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Gubbels Salvage
(402)640-6335
Coleridge, NE
CARS/TRUCKS
WANTED!
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Trucks
1996 Chevy Extended Cab
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DAN VANOSDEL
Read & Recycle!
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om 515-972-4554 - Sales &
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1410
Women’s & Men’s
Boston3rd • Yankton • 665-9092
Shoes to Boots
312 W.
Utility Trailers
Agriculture
Dave Says
The Wrong Half Of
The Month
Dear Dave,
My husband
and I are following your plan, and
we’re trying to
reconcile our onpaper budget
with what’s going
on in our bank
account. Most of
our bills are due
the first half of
the month, but
Dave
we receive most
of our income
during the second
half of the month.
Can you help us
figure out what to do?
RAMSEY
—Kathy
Dear Kathy,
If you’re actually making
a budget and sticking to it,
what you’re describing is a
cash flow bind. You are in
charge of your budget until
it’s on paper. Once it’s on
paper, it has to accurately
represent reality. In your
reality, that means a cash
flow strain on the first
checks and extra money on
the second checks.
You won’t be able to fix
this in just one month, but
there is a long-term solution.
Move some of the money
from your second checks
into the first half of the next
month. By doing this, you’ll
start running from the fifteenth to the fifteenth
instead of from the first to
the first. It will help you stay
ahead and avoid getting
pinched.
The second part of this
equation is that you are in
charge of your budget. The
Sucker Rod & Pipe. All sizes
for fencing and manufacturing.
Menno, SD. (605)387-5660
(605)661-5050.
Call Classi?eds
665-5884
Great Prices!
www.yanktonmotorsports.com
2013 Chevy Equinox AWD, white......................$14,900
2012 Ford Fusion SEL leather interior, V6........$12,500
2012 Mazda 3 Sport light hail, 50K miles..........$8,800
2011 Chevy Impala LT 45K, silver...................$13,900
2011 Chevy Impala LT moonroof, leather........$13,900
2009 Chevy Silverado Crewcab 4x4..........$16,500
2008 Chevy Colorado LS white, reg. cab...........$8,900
2007 Chevy Silverado LT 4X2 reg. cab............$9,500
2007 Chevy Trail Blazer LT 4X4 73K............$10,900
2007 Pontiac G6 V6, moonroof...........................$6,995
Knox County Land for Sale
151.63 acres, more or less
Located 6 miles East and 3 South of
Bloomfield, or 3 miles South and 1 mile
East of Hwy. 121 and Hwy. 84 Intersection
budget does not
become the boss
of you until you
get it done. When
everything is written and agreed on
by you and your
husband, that’s
when the budget
becomes the boss.
You can’t come
home with a new
shirt or a new
purse and hope it
fits into the plan.
The budget has to
be the plumb line
by which you
build your finances straight
and true!
—Dave
SCHOOL COST VERSUS
SALARY
Dear Dave,
My husband and I both
work two jobs. Together we
make about $53,000 a year,
and we’re trying to get out
of debt. We have $35,000 in
debt, and most of that is on
our truck. I’d like to go back
to school and become an
ultrasound technician, so
we’ll have more money. Do
you think this is a good
idea?
But I would only recommend starting school after
you guys have done some
work and cleaned up your
finances. You’ve got a bunch
of debt hanging over your
heads, and the truck you
mentioned is a big part of
the problem.
Sell the truck and move
down to something very
inexpensive to drive for a little while. Then tear into the
remainder of the debt and
get it paid off as fast as you
can. After that, save up a
bunch of money so you can
go to school debt-free.
I know that may seem like
a long time before you can
start school, but chances are
you can get this done in less
than two years. And trust
me, going to school debt-free
will feel a whole lot better
than having another bunch
of payments buzzing around
your heads for years to
come!
—Dave
—Sarah
Dear Sarah,
Getting more education is
always a good idea. For
starters, I’d begin doing
some research to find out
what ultrasound technicians
in your area are earning.
Then, look into the cost of
training at a nearby school.
———
Dave Ramsey is
America’s trusted voice on
money and business. He has
authored five New York
Times best-selling books:
Financial Peace, More Than
Enough, The Total Money
Makeover, EntreLeadership
and Smart Money Smart
Kids. The Dave Ramsey
Show is heard by more than
8 million listeners each week
on more than 500 radio stations. Follow Dave on
Twitter at @DaveRamsey and
on the web at
daveramsey.com.
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605-665-3720 • Yankton, SD
Legal: Part of the SW1/4 of Section 24, Township
30 North, Range 2 West of the 6th P.M., Knox
County, Nebraska, consisting of 151.63 acres,
more or less. The building site has been surveyed
and is not being sold.
Please call Archbold Law Office at
(402) 373-4240 to receive a bid package.
The MMC BSN Program is
Fully
Fully Accredited by CCN through June 2022.
CCNE
NE
Interested parties should submit a bid in writing,
no later than Noon, on December 22, 2014.
Sellers: Raymond J. Rodgers, III
and Tammy S. Johnson
The owners have the right to reject any and all bids.
T
Th
The MMC Masters in Nurse Anesthesia
n
Program is Fully Accredited by COA
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1-855-MtMarty (686-2789) | www.mtmc.edu