1 ^


2g " Clith efo e Advertiser S t lim e s , October 28th,-2004 ' I open up anc) see.


■H E N Christmas d isp lay s


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you vyill receive a £150 Thomas Cook Holiday Voucher absolutely FREE


Make a massive saving oil your next holiday! IP


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Get into that little black dress for Christmas try


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>t; - I Tel: 01200 444457


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appear in shop win­ dows months before the big day, the nor­ mal response is one enormous groan. But spotting your


first festive goods should be used as a


by Rachel Armstrong


signal to start sav­ ing. If you know


Christmas always puts a strain on your finances start budgeting now so you can make it to


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■iu Oardol jBuildinigs


Playhouses for, Christmas


BUILDISGS ra ir?*


the January sales without the gloom of debt hanging over you. Alvin Hall’s new


book, “What Not To Spend,” makes an ideal early Christmas present to give yourself if controlling your finances over the fes­ tive period is not one of your strong points. Alvin, TV’s


favourite money man, has already done his Christmas shopping. Why so early? So


he could get the pre­ sents during the summer sales. “Christmas is


probably the most problematic spend­ ing period in the year,” he says, “both in terms of the amount of money spent and in terms of how emotionally driven people are. “If someone’s


going to lose control of their spending completely, it’s going


YOUR money can only go so far...


to be at Christmas. People feel they have to buy someone’s love or spend a huge amount of money to show how' much they love someone. They feel tha t love is quantifiable. “But w’hat counts


is getting someone what they want or need. If you buy your mum a jacket she likes, which has 50% off, don’t feel you have to get her something else with


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the extra money you saved. “Christmas is an


important day but life does go on after­ wards, so you have to stick to a reason­ able budget so you’re not in trouble come January. “Rather than


buying your chil­ dren endless toys at Christmas i t ’s far better for them in the long run to seta good example by being thrifty with your money. Don’t give into expensive demands or you’ll be sucked into the dynamic of pester power. “Remember, you


don’t have to spend a zillion pounds. By just carefully plan­ ning your Christ­ mas spending you can have a great time. Unfortunate­ ly, planning is the one thing most peo-


ple don’t want to do.”


-YLVIN’S GUIDE TO MAKING A CHRISTMAS BUDGET


H Sit down a cou­


ple of months before Christmas and work out how’ much extra spend­ ing you can get away with at Christmas - this means how much of


}'our money you can spend, not how


much debt you can run up. H Write down


your shopping list. Decide what you’re going to buy each person and what you’re going to spend on everything else - the food, the


decorations etc. B: Add up the total - see how


. closely this fits with what you can afford. B Squeeze the


total amount on the list as much as you can. Think about how much food was left over at Christ­ mas last year - whether you really need to buy the amount you have put down. B If your children


are demanding expensive presents, sit down and have a chat with them about i t. Suggest Father Christmas is rather poor this year and ask if there is something else they would like instead. If their heart is


set on a particular gift, use this as a good exercise-to teach them abo'ut money. Tell them they can have it but they will have to give a b it of their pocket money towards it or that it means they cannot get a separate pre­ sent from their grandparents who will help you with the cost. H Once you feel


you have squeezed the cost of the list as much as you can, work out how you can save in the meantime. 01 Limit the num­


ber of times you go the the cinema or pub. Think about items you were planning to buy in the near future - rather than going out and buying


www.clitherbetoday^co.uk


Clitherbe 422324 (Editorial),'422323 (Advertisth^),Bumle/42233r(Classiflprt| sponsored by


:nM 65 1 Cutting the cost of Christmas... them, ask for them


for Christmas instead - saving you money and


your family the has­ sle of trying to


guess what you want.


TIPS FORA CHEAPER


CHRISTM.AS H Do not assume


the high street will be the cheapest place to buy gifts. B Make it per­


sonal - think about what the person wants, not what you want to give them. If you know they are short of cash, do not give them a pretty and expensive but effec­ tively useless orna­ ment. Instead get them


something they need. As long as they won’t be offended, give them a cheque or get them some vouchers if they cannot think of what they want. B Agree a spend­


ing limit with the rest of the family by suggesting a maxi­ mum amount to spend on presents. Emphasise that anyone going over the limit will be dis­ tinctly unpopular. B If you are host­


ing Christmas for a lot of relatives, try and reduce the cost by asking them to bring some of the food \vith them. B Do not feel you


always have to buy every single relative a present. Alvin is from a huge family so rather than buy all his nephew's and nieces individual presents, he gives one big present to each of his brothers and sisters’ immedi­ ate families. B Finally', after


every' Christmas sit dow’n and evaluate how much it cost. YVrite down a diary of what you did and what you spent. Put it somew'here secure so you can refer to it next y'ear and save even more. e “YY'hat Not To


Spend”, by Alvin Hall, is published by Hodder


^


Stoughton, priced £M.!)9. -


ning for that party. And the larger the party, the


C


' sooner it has to be booked. Your best bet would be to approach the best venues, the most popu­ lar hotels, pubs and restaurants, to see what they have planned. Some may not have finalised their arrangements of course but, they will have outline plans and they will be happy to make provisional bookings even at this early stage. Normally you would have to


place a deposit with your book­ ing. However, the very early, provisional bookings can often be made without deposit. The important thing is to get your name down for the day you feel would be most appropriate so that once you have managed to round up “the troops”, you will at least have something to offer. When making your provi­


sional booking, do not forget to enquire when the establishment will want the booking finally confirmed or you will stand a chance of losing the date. So you have a date, you even


have provisional numbers of those attending, your next task, is to make sure you have some sample menus to pass around. These should be available as soon as you make your provi­ sional booking if you act early enough. Pass them round your friends, colleagues or family for firm decisions and as each potential guest communicates their choice, get a sizeable deposit from them. You, as organizer, will have to pay over a deposit when finalising the booking and if you do not col­ lect a portion from each guest.


lid,


HRISTMAS is not far away so it is essential to get down to serious plan­


fY.,


you stand to lose out should some people decide, at the last minute, to drop out. Don’t forget to mention any


special diets tha t will be required or, for luncheon par­ ties, if there will be any children attending. Do also find out if you have to make a separate booking for any entertainment the venue is providing. Some establishments provide the entertainment, disco or group, but locate it elsewhere than in the dining room. If your party is large enough


to warrant booking the whole establishment for the evening, do discuss entertainment with the management when you book. It may be provided for you or you may have to arrange it yourself. Christmas parties are among


the highlights of the festive sea­ son. They get everyone into the mood and set the seal on friend­ ships for the whole of the year to come. Leaving the arrangements till


the last minute could result in disappointment, so make sure your Christmas party is a suc­ cess by booking well, booking early, booking now.


DiNE&DAfiSE?'2!GHT 5 CoursB meal. Disco lilllam


j^H T R E B C m N ^RM S HOTEL RESTAURAHT & FUNCTION SUIIT


Sat 20th lilovember ONLY £17.95 PER PERSON


IDEAL FOR YOUR OFFICE PARTY CHRISTMAS PARIY NIGHTS BCoureeDinnEiSDisffl


Friday 3td Dec & all thraugh December From £18.00 per guest CHRiSTFJASFAYRE LUNCH from £0.50 (2 Courses)


Sunday-Friday from November 20th


CHRISTMAS EUE CAHDLEUT DINNER onlv £21-00


K iJ fe Menu Available VAmshiteilurnarmshoteI.eoni ffldrens Own. M


BOXING OAY LUNCH 4 Courses £ 2 2 . 0 0 ChiMiEnuntolZEII.OO agicis” 81^' Oiiistm


Party Nights Dates avaSMe -Thursday 2nd,Wednesday 8th,Thursday 9th,


PT M l f;


■Wednesday I Sth and Thursday 16th December. £26.95 per person including disco, crackers and novelties. Speaal accommodation rates of £55 (room only) available for guests attending party nights


Christmas Breaks 2 or 3 night packages available


Christmas Lunches Daily from 1st December to 23rd December £16.50 for three courses including coffee and mince pie


Christmas Day Lunch £65 per person -


New Year's Eve Party £75 per person for 6 course meal plus disco


Booking advisable for all events


n O P ar\i pen U


Clitheroe 422324 (Editorial), 422323 (Advertising), Bumiey42233r(Classified)'


v/Ww;clith6rdetoday.co.uk i


Clithefoe AdvertisJer^'Time's, October 28th,'2004’-'27'f


Society member fills the breech


THE Ribble Valley branch of the Lancashire Family History and Heraldry Society hosted this year’s society dinner. The venue was Whalley


Abbey, and guests enjoyed the pleasant surroundings and an excellent meal in the abbey’s refectory. Branch chairman Joan


Williams introduced the after- dinner speaker Sheila Shaw, a Ribble Valley branch member, who stepped in at short notice when the speaker booked for the occasion had to cancel due to family health problems. Sheila entertained with an


account of her life as a young child during the Second World War living on the family farm on Whalley Nab, memories to which many members present could relate. She recalled some very amus­


ing incidents, and remembered hardships such as the winter of 1947 and the lack of basic


amenities. She remembered vis­ iting the cinema in Whalley to see "Lassie", and hay-making on the family farm with man and horse. Sheila was given a vote of


thanks by Derrick Walkden and a much deserved round of applause from her audience. 'The next meeting of the Rib­


ble Valley branch of the society will be on November 9th at the cricket club in Chatbum Road, Clitheroe, when the speaker will again be Sheila Shaw on her chosen topic of “A Smith, A Subpoena, and a Century Old Scandal”. Members were reminded


that tickets will be on sale at this meeting for the December 14th Christmas meeting and buffet. New members will be made very welcome, and if they have family history research queries, or would like to start research, members will do their best to assist them.


Cousins aiming for high-speed success


fci- T h e Ccsiistofi Hotel


. ConistonCoktSkiptoa N.YotkshireBD234EB Tel.01756 748080 FaxOI756749487


. miajtf*@tiieconistorihoffilcom www:thccaiistonhod.coni


r i s t


f :i.at?Eaves Hall Country Hotelitnestled I quietiy in the beautifuUribble^^Hey.


enjoy a delicious four


I;'fg; course meal for £27.50 \ ( inc." party hats, crackers ('tjj s.and disco.’vp


'


I; ®TC^vailaBlertiiursday).friday f - 'i-vand Saturday evenings Athroughout.Oecember


----


' accommodation -packages availabler.:


'ii QtStfestive luncheon menu as inclndeii NEWYEAR’S EVE DINNER DANCE


Enjoy a Glass ol sparHing kir rayale vrilh oar canrpBntenfr lo llo r^ by a six coarse goonael meal and a lia enjoy


rlaircing tiB late w'lth oiir resiilenl DJ only £ 4 9 .0 0 pet guest Any shrri party raered toe IhlB also avaiaMarotPiivalollh


i'“'^avaiavailable every day in december (exc.sunday) £17.95 inc.'t patly .hats and crackers**^"'-'


TWO competitive cousins from the Ribble Valley have decided to turn their attention to the track. Richard and Simon Horton,


from Clitheroe, have been rac­ ing in British Rally Cross since setting up their team 12 months ago. The pair, known as Horton


Racing, currently compete in the BTRDA (British Trials and Rally Cross Drivers Asso­ ciation) league and travel all around the UK to race. Richard (29), a mechanic,


-y


and Simon (24), a senior sales executive, are currently the only drivers from Lancashire competing in the league and spend most weekends either maintaining their cars or com­ peting in circuits. The duo, who each rally in a


Peugoet 205 GTI, are speeding their way through the circuits in a bid to gain more experience so they can climb the league and eventually compete abroad.


The motor sport, which con­


sists of eight drivers competing in three heats and then the overall winners competing in a league of finals, is an expensive hobble for the cousins to have. The entry fee alone for each


driver is £2,500, so the pair are looking for sponsorship to fund next year’s season. Richard, who works at Cen­


tral Garage, in Clitheroe, is keen to stress that without the support of his employer and their family, their dream to race may not have been possible. He said: “ We are both very


grateful to Alan a t Central Garage who lets us carry out all maintenance work and also to our family and friends who travel with us to every circuit to support us.” If anybody is interested in


sponsoring the duo, please con­ tact them on simon@horton- racing.co.uk. Our picture shows Horton


Racing team, Richard and Simon. (G191004/5)


'£T.": : ■3:


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-jr-tVift*


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