Salem Community Patriot 10 - September 3, 2010
See a Crime? Tips to stretch your back-to-school dollars this fall Tips Remain Anonymous.
Whether destined for the stage or the boardroom, Drama Kids builds confidence, speaking skills, and acting skills in young people and teenagers, ages 5–17.
Tips Remain Anonymous.
CLASSES HELD WEEKLY IN: Nashua, Salem, and Hudson NH,
See a Crime?
Our programs are fast paced and fun!
Tyngsboro, Westford and Pepperell MA ENROLLING NOW! 603-880-9540
Report it to Crimeline of Southern NH 893-6600 or 800-498-4040
You could qualify for a REWARD up to $1000.
See a Crime? Tips Remain
You could qualify for a REWARD up to $1000.
893-6600 or 800-498-4040 Report it to Crimeline of Southern NH
You will Love.... Love our Re-model
Our salon will re-open Friday September 3rd to the public
at low student prices
For appointments call at 883-2285
Follow our progress on www.facebook.com/continentalacademieNH
Sale Dates: August 30 to September 11 DANCEWEAR & ACCESSORIES
Choose fromsuch names as: Capezio• Bloch • Danskin•Body Wrappers
15%Off ALL DANCE SHOES
Our Already LOW Every Day PRICES!
Hours:Monday - Friday 10-6, Thursday 10-7, Saturday 10-5 5 KellyRoad • Salem, NH • (603) 894-4557
(Across fromT-Bones Restaurant) www.toetapntights.com
264 N. Broadway, Suite 108 Salem, NH
894•HAIR (4247) of Salem
Hair Care, Manicures Pedicures,Waxing
Featuring Goldwell, KMS & Biolage Products
A Salon with a Whole Different Feel! Back to School Special
FREE Kid’s Cut with Mom’s Cut & Color or 20% off any individual service
Offer expires 9/30/10. Find us on facebook
Going back to school usually means new books, supplies and computer software as well as meals, coffee and tuition—all of which can really add up.
Maxine Sweet, vice president of public education at Experian, offers up money-saving tips to make sure you can live within your budget this school year.
“Credit cards are not as readily accessible on campuses as in
years past, so it’s more important than ever for college students to understand how to use credit wisely and avoid racking up large credit card bills. If you are a student, a few simple steps help you stretch your back-to-school dollars and get on the path to healthy money management,” says Sweet.
Don’t start the school year out with a balance. Credit plays an important role in your daily life and at life’s most significant moments. Even as a college student, building and main- taining good credit is essential. Big purchases such as a laptop or new books for the semester can add up and also affect your credit history. Your credit report is a record of your past payment history. Credit scores are determined based on the information in your cred- it report. So if you purchase something you can’t afford to pay back, your payments might be late or missed and that could negatively affect your credit score and ultimately impact your ability to access credit again in the future. So before you spend, make
Kid’s Krossroads Child Care Center
50 % off new registrations with ad.
P/T F/T openings 6:00 a.m - 5:30 p.m. Academic Programs
15 Ermer Road, Suite 107 Salem, NH 603-890-0085
sure you can afford the pur- chase. Keeping your balances low compared with credit limits shows that you aren’t tempted to charge more than you can pay. By charging a small amount on at least one card and paying the balance on time, you will avoid paying unnecessary interest and you can demonstrate that you know how to use credit responsible—which should help you build a positive credit history and strong credit score. Responsible credit use while you are young is the foundation of a strong credit history that will help you get your adult life off to a strong start when you set out on your own.
Establish a budget – and stick to it.
Credit should not be used to
live beyond your means. Creat- ing a budget may not sound like fun, but it is vital to staying out of debt. Sign up for a free online budgeting tool and look at your expenses to figure out where you may be able to cut back on unnecessary spending and how you plan to pay for any large purchases you need to make. And don’t forget to record your monthly expenses. If you do need to cut back, don’t be discouraged—you may be amazed at how much the little things add up.
before you buy. To help stay within your monthly budget, consider using coupons for groceries and other items you need to buy. Many websites offer coupons and dis- counts for hundreds of retailers and restaurants across the coun- try. You should also shop around for the best deals on anything you will need to purchase while at school. Carefully review your favorite stores’ weekly ads or consider using a free online service such as PriceGrabber. com, which allows you to com- pare prices on thousands of items including electronics, furniture, books, movies and even groceries to help you get the best prices. You can even use your mobile phone to help you find the best deals. A recent survey released by PriceGrabber indicates that many consumers are using their mobile phones to locate the best deals. Figures show that about 17 per- cent of back-to-school shoppers plan to use their mobile phones for comparison-shopping while in the store. If you’re looking for mobile phone service or auto insurance while at school, LowerMyBills. com lets you compare prices and offerings, and select the service providers that best fit your needs. As you prepare to head back
to school this fall and see the dis- counts retailers are offering, don’t be tempted to spend beyond your means. Make sure you really need that new computer before pulling out the credit card. For more credit education, visit www. Experian.com/backtoschool
- Courtesy of ARAcontent
Cheerleading, & S etak
Report it to Crimeline of Southern NH
800-498-4040 a REWARD up to $1000
You could qualify for
| Page 2
| Page 3
| Page 4
| Page 5
| Page 6
| Page 7
| Page 8
| Page 9
| Page 10
| Page 11
| Page 12