April 4, 2017 • Page 2 shop online at www.missourivalleyshopper.com It Can’t Be That Hard Dave Says By Daris Howard Do the Manly Thing Dear Dave, My wife and I argue a lot about finances. We’re trying to get more control over our money, and she has been listening to you. That’s helped a lot. She’s also a lot more frugal than I am, and our biggest point of contention right now is how we handle our spending money. Whenever I work overtime at my job, I feel like I should be able to put the overtime pay toward my spending money. What are your thoughts on this? Josh Dave Dear Josh, No way, dude! You don’t work overtime for your little boy wants. You work overtime, and rake in that extra cash, for the good of your family. That’s the manly thing to do. Now, that’s not to say you both can’t have a little spending money. It also doesn’t mean that you can’t treat yourself once in a while if you’re working your tail off. I mean, if I’m working 70 to 80 hours a week I may give myself a little inexpensive treat in the midst of all that. So, my spending money budget should reflect that. But it shouldn’t reflect a sense that I get to play more because I work extra, while the rest of the family suffers. Sorry, man. I think you knew what I was going to say. Step up, be good to your family first, and then your good times will come. If you haven’t learned it already, you’ll soon discover that those good times are best ones! — Dave RAMSEY Teens and Checkbooks Dear Dave, My daughter is 15, and she’s had jobs around the house and been on commission and the envelope system for years. She’s very good about saving and not spending on silly things. We recently opened a checking account for her, and I was wondering what bills you think we should assign for her to pay on her own? Suzanne Dear Suzanne, This sounds a lot like we did with our kids. She’s obviously bright and motivated, so the first thing you do is explain to her the seriousness and responsibility associated with a checking account. The next step is for her to balance the checkbook with you looking over her shoulder. Do this with her for several months, while you keep one on the account, too. After that, I want her to do it alone and show you her work. Her balance should match Snap Up a Deal in the Classifieds Call or go online to browse, buy or sell! In Print and Online! 665-5884 • www.missourivalleyshopper.com yours and the one at the bank. As soon as she demonstrates competency, and you feel comfortable that she can handle things, I want you to start putting her clothing budget in the account. You know, the weirdest thing happened with our girls at this stage. They suddenly started shopping at less expensive stores. It’s amazing when they see that the dollars associated with these purchases can run out. My bet is you’ll see some changes in her value choices. Just take it step-by-step, a little at a time. The more they exhibit competence, wisdom, and confidence, the more you can release them. — Dave * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven bestselling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners each week on 575 radio stations and multiple digital platforms. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. When the young woman walked into the Mule Barn truck stop alone, it caused a few heads to turn. Not only was she very pretty, but she was alone, and that seldom happens in the Barn. Young women usually either come in as part of a family, or they are escorted by a young man. “Now she’s a looker, boys,” said Herb. “Maybe she’s meeting someone here.” The guys nodded. Dud turned his head slightly so his grin was hidden. “Don’t remember seeing her around,” Steve said, twitching his moustache. The young woman looked around at the people at the tables and the guys at the counter … the philosophy counter, that is. Then a waitress came up and greeted her and the guys could see her asking the waitress something. Then, as they all watched, the waitress pointed … right at Doc! She thanked the waitress and started toward Doc. She moved … well … it was like poetry. And her face lit up like a bus depot chandelier. “Excuse me,” she said, “but are you Doc?” “Yes, Miss,” he said, standing up. “I’m Kathy,” she said, shaking his hand. “Nice to meet you, Kathy,” Doc said. “Nancy’s daughter,” she added. “Okay …?” Doc said, looking perplexed. Call 665-5884 to “You remember Nancy, don’t you? I mean … about 30 years ago?” place your ad here. Doc scratched his head. “I’m afraid I don’t.” “Mom always said I favored you in a lot of ways.” “Favored ME?” Doc asked. Finally, Kathy threw herself into Doc’s arms. “It’s so good to finally meet you … DADDY!” The look on Doc’s face was priceless, the laughter was stunning, and finally Herb said, “Doc, this is my granddaughter, Kathy. April Fools!” Interested in this spot? MOODY 2016 Chevy Malibu ECO Malibu Limited LT 4 cyl. Automatic Full Power 29k miles, Dark Gray MOTOR NIOBRARA, NE Patrick Hawk 251 Spruce Ave • Box 260 Niobrara, NE 68760 ONLY $14,900 www.moodymotor.com pjhawk@hotmail.com (402) 857-3711 (800) 745-5650 Fax (402) 857-3713 605-665-3720 • Yankton, SD Interested in this spot? Sandy was a young mother with two preschool boys who were born eighteen months apart. They were like mini tornados. Each day it was all she could do to keep the boys clean and fed. And each day when her husband, Jason, came home, she would make sure the house was in order, even though she was exhausted. All she asked for was a little help in the evening so she could relax, too. But Jason would say, “How hard can it be to take care of the house and two small boys?” He would then tell her he had worked all day and was too tired to help. Sandy was good friends with Jason’s mother, so one day she talked to her about it. Sandy didn’t want to say anything bad about her husband, so she just mentioned how tiring it was taking care of the boys. Jason’s mother laughed. “That’s because they’re just like their father. He ran me ragged.” She paused for a moment, and knowingly asked, “Does Jason help?” Sandy shrugged. “Not really.” Jason’s mother didn’t ask any more, but a couple of days later she came to visit. “Sandy,” she said, “I’ve signed us both up for a workshop on natural health. It’s also a chance for us to do some women things together. It’s in a month, we’ll leave on a Thursday night, and come home on a Sunday.” She then turned to Jason. “You will need to take care of the boys.” “But, Mother,” Jason said. “I have to work on Fridays.” His mother was adamant. “Jason, you know you have some vacation time coming, so take a day off.” “You mean, I’m supposed to take care of the boys by myself?” Jason asked. “How hard can it be to take care of the house and two small boys?” Sandy asked sarcastically. “Of course I won’t have any problem taking care of the boys,” Jason said. “I was just concerned about missing work.” It was easy to see by the look on his face that he was confident in his ability to do this. And when the day came when his mother picked Sandy up for the retreat, Jason assured Sandy that it would be a “piece of cake” for him to deal with things at home. “I got this,” he said. Sandy enjoyed the weekend. The conference was fun. Besides the seminars, there were people to do hair and manicures. The women swam in the pool and ate wonderful meals. Sandy would smile when Jason called and told her that he missed her. She could sense the undertone of panic in the forced calmness in his voice as he talked about how all was well at home. But all good things have to come to an end, and the weekend was soon over. As much as Sandy enjoyed it, she had to admit that she was anxious to get home and see Jason and the boys. to place your ad here. Call 665-5884 When Jason’s mother pulled the car to a stop in front of the house, Sandy could hear her boys playing loudly. The two women walked to the house, and the noise grew louder. As they opened the door and stepped inside, Sandy gasped at the sight, while Jason’s mother just grinned. Jason sat slumped in a chair. He was unshaven and appeared exhausted. The house looked like a cyclone had hit it. The boys were in their underclothes sword fighting with brooms. As Sandy walked on through the house, she found the kitchen sink full of dirty dishes and a disaster of a meal all over the stove with spaghetti sauce burned in a pan and splattered on the walls and ceiling. Jason finally pulled himself out of the chair and hugged his wife. “I love you,” he said. “Please don’t ever go away again.” A few days later Jason’s mother asked how everything was going. “Great!” Sandy replied. “Jason comes home at night and asks what he can do to help.” Jason’s mother smiled. “That’s the most important training that comes from a women’s retreat.” INTERESTED IN THIS SPOT? www.missourivalleyshopper.com www.missourivalleyshopp www.missourivalleyshopper.com Visit our Web site www.missourivalleyshop www.missourivalleyshopper.com Call 665-5884 to place your ad here. Visit our Web site at www.missourivalleyshopper.com Interested in this spot? Call 665-5884 to place your ad here. Buy • Sell • Trade Quality... USED Cars, YOU NEED IT TODAY? NO PROBLEM! 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