Employee Birthdays
March Day JUAN FERNANDEZ 26 BARTLOMIEJ BARDZINSKI 27 MARDELLE KENNAY 27 EDWARD BAYLOR 28
DAVID BUSHMAN LOGAN SUTTON MELISSA URENA MIKAYLA COX VALERIE SMITH
28 28 28 29 30
KYLE LAWRENCE CODY POSSEHL JAMES TURNER NICOLE WILSON
31 31 31 31
Wedding Anniversaries
January Day Years Joe & Jenny Loomis 4 27 Scott & Jan Storey 10 42 Kody & James Rude 13 1 Sherry & Todd Joos 19 24 Zygmunt & Ela Cichosz 20 28 February Day Years Steve & Mary Meiners 10 40
Pam & Russell Kelley
14
43 32
Gerald & Stephanie Gibson 15 45 March Day Years Tom & Lou Ann Balch 12 24 Tom & Betty Saunders 18 30 Max & Patty Ballard 24 11 Sue & Jeff Larson 26 30 Paul & Deb Harmon 24
Staying Ahead of Debt by Kris Lichak, Mass Mutual
Having some debt isn’t necessarily bad, as long as you are taking steps to pay it off. Most of us carry some form of debt during the course of our lives – a mortgage, a car loan, a college loan or a few credit cards. Borrowing for a home or college education usually makes sense; most of us can’t pay cash for these things. But it is im
portant not to borrow more than you can afford to pay back. The question that people always wonder is how much debt is too much? If you take time to determine whether or not you have too much debt, you may find you are do ing things right, or you may realize that you need to make some changes. A general rule of thumb is that the total amount of your monthly debt payments should be approximately a third of your gross monthly income. Try to keep debt payments below the maximum you can afford. In order to get ahead of debt as we start of 2018, here are some general suggestions: first take control of the any credit card debt; second build an emergency fund, which is 3 to 6 months of your income; and last but not least – save wherever you can. Savings starts by learning the dif ference between needs and wants. Food and shelter are needs. Costly vacations and the latest cell phone are not considered needs. To stay ahead of debt, it is also good idea to review your credit report to check for potential er rors and identity fraud. Your credit report lists your debt and repayment history. You are entitled to a free credit report once every twelve months from each of the three major credit reporting companies – Equifax, Experian and TransUnion. Visit www.annualcreditreport.com to request a report from these companies. Visit MassMutual at www.retiresmart.com to learn more about debt management. Go to FAQ’S>Debt Management
January, February & March 2018 Crest Ink 25
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