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Casual credit card use creates debts By Lyman In these days of lay plant closings and employment no won tier persona bankruptcies continue to run at record levels What is surprising how ever 19 that financial and trustees in bankruptcy continue to attribute much of the problem to misuse of per credit They re right but we should all know potentially a large part of their total worth in their pockets and purses at all times Each card and of course say one general purpose curd aid if you must one from the department store you shop at most Never ever throw away a credit card receipt Keep them record them know at any given moment Just how much is owing on each of your credit accounts Set yourself buying limit every the amount you can pay easily before interest charges wilt apply and promise never to exceed it If you plat credit tended period borrow line of having lo arrange loan will check your spend impulses and you pay much Icbs in interest Sticking to those rules a will make the credit card major purchase for which work for you rot against you must use credit over an But if you feel you cannot do that then cut up your cards into little pieces and be done with them You be happier and belter off financially if you do Lyman adonis is with Toucbc Ross Co Chartered Accountants in Toronto ml Plastic money credit Welcome spring to your dinner table Dollar Sense offers general financial advice by members Institute of Chartered Accountants of have been part of our daily lives for many years In the SO and early it was the department store and service station charge cards By the mid the general purpose charge cards began appear and people were carrying the holder run up debts of It or even more No cash changed hands and a single spree could create new debt of or more Many people got into financial trouble then when the card idea was relatively new but by now most of us should be using our cards purely for their convenience a substi for cash not an live and easy way of borrowing You may not be on the brink of bankruptcy be cause of your credit cards but they re probably you to spend more than you like If you d like to prevent that here are a few simple rules Carry as few cards as you can puss lb ly get away with Winter nearly gone spring is hesitantly creep around the corner and young men fancies are Sightly turning to thoughts of love And there no reason why the lighter thoughts should remain the province of the love struck While you re dusting away the cobwebs think light Welcome those warm spring breezes with some light touches of color around the and the kitchen Treat yourself to a frilly new pair of oven mita or maybe some new colorful tea towels What better way to tell your family and friendi that summers on way a welcome to spring get together en up table with a decorated cos serole dish sonic place or a bowl if spring flowera If you been 1 pork ill winttr with a and finally the perfect dcastrt in clear glass or crystal dishes One of my favorites is chocolate mousse Easy chocolate mousse By Ryan Ingredients tablespoons mil chocolate liqueur optional teaspoons vanilla mL Fry Cocoa cup ISO sugar cups milk cup ISO tor chocolate liqueur and vanilla in container and blend at high I mi mile In a saucepan combine Cocoa and lunar Stir in milk Add butter Cook medium heat stirring constantly until butter melt and mixture la hot Turn blender speed to high and slowly pour hot cocoa mixture through top open Continue blending ml Pour into glass serving bowl or individual dessert dishes Cover and chill era I hours or overnight Serve with sweetened whip ped If no Id like some more of my faionte cocoa and chocolate recipes in Cocoa red write to me at 3 Church St Suitc20I Toronto OntaruM5E And to my nephew John Pauley who never sit down with me I my preparation YOU ASKED FOR IT WEVE GOT IT SAVINGS SAVINGS MORE SAVINGS WINTER COATS I AND JACKETS LIMITED QUANTITIES OFF FEATURING MENS JACKETS REG NOW FOR MEN Gentlemens Fit Pants HOPSACK BRUSHED DENIM 24 FOR LADIES Femme Fit JEANS SHIRTS 9149 1Q98 PANTOMIME I j299 up up DRIVE A LITTLE SAVE A LOT THE OLD noon pm GLEN MILL 586 MAIN ST GLEN WILLIAMS 8771351 FRONT WHEEL DRIVE LUXURY AT A PRICE YOULL LIKE en exciting variety of body styles wagons sedans hatchbacks and almost you could want includ ng somn great deals See us soon ACCORD LX CIVIC 2D SPEED 5 SPEED AUTOMATIC In Stock IMMEDIATE DELIVER 5 SPEED OR AUTOMATIC ACCORD 2DOOR MODEL GEORGETOWN HONDA Guetph St 7 Georgetown Toronto Una Sava SALE Soma THIS WEEK ONLVI SUPER SAVERS FOR 4 DAYS ONLY 20 OFF ALL REGULARLY PRICED CHILDRENS WEAR SAVE 20 ON NEW SPRING STYLES ON BOYS AND GIRLS CLOTHING SIZES INFANTS UP TO 16 MANY OTHER CHILDRENS WEAR ITEMS REDUCED TO HALF PRICE LEVI JEANS 9 SIZE 8 1 2 SUBS INFANTS REG to 9 DRESSES DIAPER SETS 1 99 BOYS 816 REG 11 SPORT SHIRTS KIDDIES 46x TURTLE NECK T SHIRT