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NOVEMBER 15,1995
Lifestyle
Budgeting when there's not much to budget! Ropes course to be built
on Fresno State campus
•f Budgeting for the
busy college student
can really work
bv Deborah Sanchez
Staff Writer
The old adage s
penin saved isap
But Don Leet.
mimic department.
ir of lhe eco-
niost students
ve bee;
Most students budget
about 25 hours
time and earns
get is used for '"soft purchases." clothing, iransponation and entertainment.
A budget can help people afford to
have a savings and learn how to get
the most from iheir money.
Gorgonio Martinez. 23. a social
work major, said he doesn't think'
about luxuries he can't have. Martinez
works pan-time as a social worker for
about 20 hours a week while a full-
lime sludent. He lives from paycheck
lo paycheck.
Marline/
grosses $600
per month but
makes ends
meet as best as
he can. Even
without a formal budget.
Martinez is on
ihc right track.
He keeps track
of every penny
he spends, thus
avoiding the
surprises that
keep the unprepared constantly broke.
Leet said the
Thc Wall Street Journal offers
these tips on how to live on a
budget:
• Keep track of spending and
write it down.
• Identify "spending traps"
like expensive hobbies, high-
tech toys or lavish gifts.
• Set saving goals. A person
should aim to save at least 10
percent of a monthly income.
• Make savings automatic.
Have the money deducted automatically or transferred directly to a savings account
from a checking account.
• Reward yourself. Allow
yourself some spending money
— but don't be too generous.
dents
and a car you're it
According to Le
ible budget
an make a big dif-
nough for a few
ic-brand clothing
ashamed of.
..i fixed and flex-
ary bills, rent, utilities
L-nls. The flexible bud-
to use credit
cards to buy anything "transient." like
food or entertainment. When lhe
pleasure's gone, so's the money — bul
the debt remains.
Martinez stretches his income by
sharing living expenses wiih a roommate. He and his roommate halve the
$425 monthly rent. They also split the
bills for PG.&K and cable television.
■To Stay Healthy & To Feel Healthy. Eat Healthy!!
BRAHMA BULL
D
I
N
E
I
N
Authentic Indian Cuisine
Vegetarian Curries
Non-vegetarian Curries
Tondoori Chicken & Nann
Visit Our New Location
Shaw And Marks
(Opposite of Target)
■ 275-1100 „
Open Lunch 11am-2pm.
M-Sat Dinner 5:30pm-9:30pm.
ymatriic
HAH Sim C0SIKT1C5
— *\
I
I
Do You Crave
Sexy Cascading
Waves?
Great! Became wt're wave experts!
And to proved you're invited to our ■
salonforvour FREE Wave Design
Consultation. touH low our perms |
beause your hair will look healthier, |
feel silkier and shine like the sun'
Why? Because we use MATRIX
ESSENTIALS (imditioning perms
and hair care products to keep your
waves pohshed to perfection!
Call today and reserve your FREE
Design Corsullatioa
Waxes •Facials* Make Up*Chemical Peels
Bulldog Plaza
1778 E. Barstow
Fresno. CA 93710
Phone:(209)431-1021
$8.00
Any Haircut
Reg. $12,00 8 up
$10.00 off
Airwaves,
Spriral Perms
& Weaves
Martinez makes every dime and
nickel count. He buys his elothes al
thrill stores, rents movies lor entertainment and drinks beer at 50-ceiM
happy hour prices.
Mai
to
.in \
Merwn's. Montgonien W.ird and
Gotisehalks credit eards. bul he
got rid of all of them. Now. he
on each/if his credit eards and pays
about S20 per month.
Although a eredit eard is not ree-
ommended when living on a bud-
gel, a eredit eard can \no\ ide a person with a good cretin history to
help when asking for a ear or home
.•st rale
est due if paid in 12 months, but if
it's paid off in one month, the interest
paid would be just SI.25.
. Financial experts recommend the
"20-10 rule" lo estimate how much
debt a person can handle — Never
borrow more than 20 percent of
your yearly net income and never
owe more than 10 percent of your
monthly net income.
It helps to remember that little things
add up. A eup of coffee, bagel and
newspaper every dav could run about
$50 a month, or S600 a year. If the
pleasure is worth it. fine — bul you
need to know the add-up costs.
By keeping track of thc past
month's expenses and selling up a
budget for lhe next month, a budget can help reduce unplanned or
unnecessary spending.
bv Melindn Slut/
StaffWriler
Alter lot>king down MI leet to llie ground
below. Tim Martin, a recreation and leisure studies major, said he feels thai j5k-
ing the mpes course at Fresno State n as a
life-changing experience.
"Tlie course is a good opportunity for
personal introspection." said Michael
Hollman. who teaches the course at California Slate Univcrsiiy. Fresno.
Hoffman also said that lhe eighi-hour
class gives students a feeling of growth
and personal accomplishment.
The hardware needed for the class was
purchased for $154*00 thnnigh a dona-
tion from a Fresno Stale alumnus a couple
ye:us, ago
The course- was originally erected ai
Sierra Gateway Hospital, which went oul
of business.
When a new site wasn't immediately
chosen, students borrowed the course al
Cedar Vista Hospital.
After much deliberation, a home has finally been named for the ropes course,
which has been sitting oul of use in an
Neill
Construction began last week and
dnnild Ixvompletal 111 IXvcnilvr. in tinie
for the spring semester.
"We were ple.1s.1n1K surprised w ith thc
linal choke of tlie site." said Andy 1 loll',
coordinator ol tlie reca-ation adniinistra-
"We«
' to obtainaate where
tlie course w as \ isual tothe studenl bodv."
Hoffsakt
I le feels that the more noticeable the site,
the iih<a- students will Iv interested men-
rolling lor the course.
tidling to see the inner students taking .111 active pan in the class will hopefully increase enrollmeni for the spring
semester." Holl'said.
watch, waiting to see if any oik- might
accidentally tali.
"Cher the years we have been teaching
thcclass, wcha\en'l had a accident." Holl'
Although it looks very iLmgenHis. many
precautions arc taken loensure the safety
Buy Any One Of These Rice Bowls Get One
Medium Drink Free!!!
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♦Express Chicken Bowl ♦Sweet <St Sour Pork
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* Washer/Dryer I look-ups *2 Tennis Courts
* Woodburning fireplaces *Laundry Rooms
LE OFFER LASTS!
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294-RENT (7368)
Why Do Students Choose Us
For Their Eyecare Needs?
• Great Selection and Great Sen-ice!
• Immediate Replacement of Contact Lenses
• Computerized Eye Exams
• In House Lab - Same Day Service (Why Wait?)
f&lr&Hf" OPTOMETRIC OF FRESNO I
(SS?)
• THOMAS K. CASAt'RANDK, O.I).
98
221-8900
* Discount movie tickets (United Artists for $4.50)
* Greyhound Bus tickets
*.Fresno Transit bus passes
* University Lecture Series tickets
* Money orders for $1.00
* Postage stamps available
^ Questions about campus?
That's what we're here for!
Mon - Thur 9:00 am to 7:30 pm
Fri 9:00 am to 4:30 pm
We also process drop forms
and sell parking permits
Mon • Thur 4:00 pm - 7:00 pm
All you need is your ID to check out:
Fresno Bee Entertainment Weekly
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Newsweek Glamour
Life Sports Illustrated
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Call us at 278-2078
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Object Description
| Title | 1995_11 Insight November 1995 |
| Alternative Title | Insight (California State University, Fresno) |
| Publisher | Dept. of Journalism, California State University, Fresno. |
| Publication Date | 1995 |
| Description | Weekly during the school year. Vol. 1, no. 1 (Oct. 8 1969-v. 29, no. 23 (May 13, 1998, issue. Title from masthead. Merged with Daily collegian. |
| Subject | California State University, Fresno -- Periodials |
| Contributors | California State University, Fresno Dept. of Journalism |
| Coverage | October 8, 1969 - May 13, 1998 |
| Format | Microfilm reels, 35mm |
| Technical Information | Scanned at 600 dpi, TIFF; Microfilm ScanPro 2000 "E-image data" |
| Language | eng |
Description
| Title | 018_Insight Nov 15 1995 p 6 |
| Alternative Title | Insight (California State University, Fresno) |
| Publication Date | 1995 |
| Full-Text-Search |
NOVEMBER 15,1995
Lifestyle
Budgeting when there's not much to budget! Ropes course to be built
on Fresno State campus
•f Budgeting for the
busy college student
can really work
bv Deborah Sanchez
Staff Writer
The old adage s
penin saved isap
But Don Leet.
mimic department.
ir of lhe eco-
niost students
ve bee;
Most students budget
about 25 hours
time and earns
get is used for '"soft purchases." clothing, iransponation and entertainment.
A budget can help people afford to
have a savings and learn how to get
the most from iheir money.
Gorgonio Martinez. 23. a social
work major, said he doesn't think'
about luxuries he can't have. Martinez
works pan-time as a social worker for
about 20 hours a week while a full-
lime sludent. He lives from paycheck
lo paycheck.
Marline/
grosses $600
per month but
makes ends
meet as best as
he can. Even
without a formal budget.
Martinez is on
ihc right track.
He keeps track
of every penny
he spends, thus
avoiding the
surprises that
keep the unprepared constantly broke.
Leet said the
Thc Wall Street Journal offers
these tips on how to live on a
budget:
• Keep track of spending and
write it down.
• Identify "spending traps"
like expensive hobbies, high-
tech toys or lavish gifts.
• Set saving goals. A person
should aim to save at least 10
percent of a monthly income.
• Make savings automatic.
Have the money deducted automatically or transferred directly to a savings account
from a checking account.
• Reward yourself. Allow
yourself some spending money
— but don't be too generous.
dents
and a car you're it
According to Le
ible budget
an make a big dif-
nough for a few
ic-brand clothing
ashamed of.
..i fixed and flex-
ary bills, rent, utilities
L-nls. The flexible bud-
to use credit
cards to buy anything "transient." like
food or entertainment. When lhe
pleasure's gone, so's the money — bul
the debt remains.
Martinez stretches his income by
sharing living expenses wiih a roommate. He and his roommate halve the
$425 monthly rent. They also split the
bills for PG.&K and cable television.
■To Stay Healthy & To Feel Healthy. Eat Healthy!!
BRAHMA BULL
D
I
N
E
I
N
Authentic Indian Cuisine
Vegetarian Curries
Non-vegetarian Curries
Tondoori Chicken & Nann
Visit Our New Location
Shaw And Marks
(Opposite of Target)
■ 275-1100 „
Open Lunch 11am-2pm.
M-Sat Dinner 5:30pm-9:30pm.
ymatriic
HAH Sim C0SIKT1C5
— *\
I
I
Do You Crave
Sexy Cascading
Waves?
Great! Became wt're wave experts!
And to proved you're invited to our ■
salonforvour FREE Wave Design
Consultation. touH low our perms |
beause your hair will look healthier, |
feel silkier and shine like the sun'
Why? Because we use MATRIX
ESSENTIALS (imditioning perms
and hair care products to keep your
waves pohshed to perfection!
Call today and reserve your FREE
Design Corsullatioa
Waxes •Facials* Make Up*Chemical Peels
Bulldog Plaza
1778 E. Barstow
Fresno. CA 93710
Phone:(209)431-1021
$8.00
Any Haircut
Reg. $12,00 8 up
$10.00 off
Airwaves,
Spriral Perms
& Weaves
Martinez makes every dime and
nickel count. He buys his elothes al
thrill stores, rents movies lor entertainment and drinks beer at 50-ceiM
happy hour prices.
Mai
to
.in \
Merwn's. Montgonien W.ird and
Gotisehalks credit eards. bul he
got rid of all of them. Now. he
on each/if his credit eards and pays
about S20 per month.
Although a eredit eard is not ree-
ommended when living on a bud-
gel, a eredit eard can \no\ ide a person with a good cretin history to
help when asking for a ear or home
.•st rale
est due if paid in 12 months, but if
it's paid off in one month, the interest
paid would be just SI.25.
. Financial experts recommend the
"20-10 rule" lo estimate how much
debt a person can handle — Never
borrow more than 20 percent of
your yearly net income and never
owe more than 10 percent of your
monthly net income.
It helps to remember that little things
add up. A eup of coffee, bagel and
newspaper every dav could run about
$50 a month, or S600 a year. If the
pleasure is worth it. fine — bul you
need to know the add-up costs.
By keeping track of thc past
month's expenses and selling up a
budget for lhe next month, a budget can help reduce unplanned or
unnecessary spending.
bv Melindn Slut/
StaffWriler
Alter lot>king down MI leet to llie ground
below. Tim Martin, a recreation and leisure studies major, said he feels thai j5k-
ing the mpes course at Fresno State n as a
life-changing experience.
"Tlie course is a good opportunity for
personal introspection." said Michael
Hollman. who teaches the course at California Slate Univcrsiiy. Fresno.
Hoffman also said that lhe eighi-hour
class gives students a feeling of growth
and personal accomplishment.
The hardware needed for the class was
purchased for $154*00 thnnigh a dona-
tion from a Fresno Stale alumnus a couple
ye:us, ago
The course- was originally erected ai
Sierra Gateway Hospital, which went oul
of business.
When a new site wasn't immediately
chosen, students borrowed the course al
Cedar Vista Hospital.
After much deliberation, a home has finally been named for the ropes course,
which has been sitting oul of use in an
Neill
Construction began last week and
dnnild Ixvompletal 111 IXvcnilvr. in tinie
for the spring semester.
"We were ple.1s.1n1K surprised w ith thc
linal choke of tlie site." said Andy 1 loll',
coordinator ol tlie reca-ation adniinistra-
"We«
' to obtainaate where
tlie course w as \ isual tothe studenl bodv."
Hoffsakt
I le feels that the more noticeable the site,
the iih |
