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Upcoming Events
July 1, 2, 3, 4 - Oakley
July 10, 11 - Price
July 10 - St George
July 25 - Salt Lake Co
July 30, 31 - Bear Lake
Upcoming Classes
Click on name of class for more information
Northern Utah:
July 1 - SLC
July 9, 16, 23, 30 - Ogden
July 15, 2 & 5:30 PM - SLC
July 16 - SLC
Western Utah:
There are currently no classes scheduled at the time of this newsletter release. Please click on link below for updated classes. We apologize for this inconvenience.
Eastern Utah:
For more upcoming classes
Click Here
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Mortgage Late?
Don't Lose Your Home.
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 The Shakespearean Festival on the Cheap
Enjoy your staycation in Cedar City on the cheap. From now till August 29, the Shakespearean Festival will be holding its annual The Greenshow. This is a free show held every Monday to Saturday at 7 PM on the green and courtyard surrounding the Adams Shakespearean Theatre.
If you would like to visit another production, tickets start at $23. On Mondays, Tuesdays, and Wednesday, there is a $2 discount given to youth, military, and seniors. Asking for this discount before the order is purchased will secure the discount. There are other discounts available.
Worried about the hotel bill? Try camping for the weekend. There are many camping facilities located in or near Cedar City to take advantage of. Shop around, but KOA has a weekend stay with electricity, water hookups, and internet for $50.
Pack a cooler full of fruits and vegetables from the grocery store or farmers market in order to keep food costs down. Tinfoil dinners over a campfire can beat out any restaurant. For other camping and dutch oven recipes visit scoutorama.com.
Check out many more possible ideas on staycations compiled by Stephanie Toby from Zion's Bank.
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Frugal Tip of the Month:
Even out your Utility Payments
Do you have a high heating bill in the winter while the payment is low in the summer? Even them out! Many electric and heating companies will work with those who have lived in their place of residence for at least a year, in order to combine the estimated amount of the bill throughout the year to a monthly payment. This will help people plan how much will be spent monthly on their utilities.
To learn more, talk with your local utility company or visit their website.
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How to get Credit Card Spending under Control
Source: University of Wisconsin-Extension
- Stop carrying your credit cards with you.
This will cut down on impulse spending. If your response is "but I need it for emergencies," ask yourself when was the last time you really used a credit card for an emergency. Simply by having a credit card with you when you shop, a person is likely to spend 34% more.
- Develop a plan for using your card.
You'll be less likely to overspend if you set a limit and make a plan for how you will repay the debt you're going to create.
- Phone a friend.
When you're anxious or stressed, a non-judgmental, supportive person may be able to help you find an alternate solution.
- Sometimes when people pay off large credit card debt all at once, it creates a false sense of wealth and the debt is built up quickly again.
If that's true for you, paying the balance off over time will give you time to change your spending habits (i.e., pay off single or multiple credit cards over 12 to 18 months).
- Always wait 24 hours before making a purchase.
A "cooling off" period works especially well with catalog purchases, which may not seem so attractive the next day.
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 Become a Save Site!
Do you feel like financial stress ever has an effect on your performance at work? You are not alone, a study by the LFE Institute in 2008 found that 70% of employees today are seriously stressed about their finances and more employees are living paycheck to paycheck and borrowing from their 401(k)s.
Businesses and organizations can incorporate Utah Saves messages and services into their own institutions to help this problem. If you would like your place of work or organization to be involved as a Utah Saves Site, please call (801) 468-2846 to sign up and get more information.
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13 Retirement Tips
By Dana Dratch *Bankrate.com
After an awful end to 2008, it's time to re-evaluate your investments for retirement. Look over these quick tips now. Take what was learned in 2008 to move forward for a better investment portfolio.
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 For the Youth: Visit Fedville
FedVille is a friendly town built just for kids. There's a new game to play on every corner--with money to earn and something to learn! Open a savings account at the local bank and watch your money grow. Collect trivia cards as you learn your way around town. See movies at the neighborhood theater about everyone's favorite topic: money! Go shopping at the local stores --but only if you earn enough money!
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*Utah State University Extension is an affirmative action/equal opportunity institution.
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