November 26, 2013 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Tips For Surviving Christmas Fiscally BY DAVE RAMSEY 1. It’s not an emergency. Christmas is not an emergency, it happens every year. Don’t use this as an excuse to overspend and buy things you can’t afford. 2. Make a Holiday Budget. Make a list of everyone you are Dave RAMSEY buying a gift for, and put a dollar amount by every name. Total it at the bottom. This is your Christmas budget. You can also check out www.mychristmasbudget.com, a free online budgeting tool to help you easily keep the holidays from wrecking your finances. 3. Pay cash. Put the total from your budget in an envelope, and when the cash is gone stop spending. This will help keep you on budget because if you overspend on Aunt Sue, Uncle Harry won’t get a gift! 4. Avoid debt. If you’re running a little short on cash, talk to your family about spending expectations. Draw names, set price limits or get creative. Whatever you do, don’t go into debt. It’s not worth it! www.missourivalleyshopper.com Fill Out The Press & Dakotan Survey Online For Your Chance To Win An iPad Mini! Go to yankton.net and look for the readership survey button to participate! z 3 Ž??3 Ž????Ž?3 ???????3 ?Ž3 ???3 W 3 ????3?3??Ž???3???3??3????3 ? 3 Ž3 ????3 ????3 ?Ž?3 ????3 ?Ž3 ????3 t?3 ? 3 ???3?Ž??????3?3?????3??????3?Ž?3?Ž?3?Ž3????3 Ž 3 ??3?Ž3??3???3?Ž??????3??Ž??????3????3Ž??3 ? 3 Ž???????3 ?????3 ????3 ??3 ?Ž???3 ?Ž3 ?Ž???3 ? 3 Ž??????3??3?Ž??3?????3???3Ž??????3 give , 3 ????3?Ž3??3Ž??3Ž?3???3?????3 ? 3 ?3?Ž3?Ž??????3???3??????3 3 ??3?Ž?3????3???????3?3 ? 3 ?3,??s??3'???3????3 ? 3 ????3?????3????3??3??3 ' ? 3W??3????? ? 3 ^Ž??3???????Ž??3??????3^??3????3?Ž?3????????3 ^?????3????3???????3??3???? 3 PRESS&DAKOTAN Y A N K T O N D A I LY THE GIFT OF Wellness & Relaxation Wellness Buy A 6-Month Membership, Get One Month Free! 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Then Doc gave us the best his nine years of college and 50 years of medical practice had blessed him with. He waxed eloquent on hormonal elements, the ebb and flow of female fertility, things that could go wrong with tubular parts, and the effect all of these things could have on the attitudinal proclivities of the dear ladies we all love and admire. He took a break while Mavis returned with more coffee and with strange looks at our faces while we tried not to stare at her. Then she was gone, and Doc began again. Finally, when we had been pretty well checked out on the mysterious workings of the gentle gender, Doc said, “Bert, if your wife is having some problems, have her CRO P LAN D FO R SALE B Y SEALED B ID give me a call.” “Oh, it ain’t her, Doc,” Bert said. “It’s Dud.” We all looked at Dud. He grinned sheepishly. No one wanted to say anything. 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