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THE CANADIAN STATESMAN, DECEMBER 21,1999 PAGE A5 Tis the season to shop without folly Spend wisely this Christmas, credit counselling agency advises You can enjoy the spirit of giving and head into the millennium 'Christmas 'Christmas debt-free,' the Credit Counselling Counselling Service of Durham advises. "The sounds and sights of the holiday holiday season may bring forth squeals of delight from children, but they can trigger silent screams of anxiety in adults facing the annual rituals of crowded malls and the temptation to overspend," the Credit Counselling Service says in a news release. It offers the following lips: • Shop with a plan. "Shopping without a plan is like travelling without without a map: Without one, you can easily easily wander into dangerous territory." But a "few minutes spent planning will save you hours of headache at the mall and months of the burden of repaying repaying debts that result from overspending." overspending." The Credit Counselling Service encourages you to write out a gift list and include expenses you expect to incur over the holidays, such as spe cial meals, travel, decorations, cards and work-related functions. • Evaluate your list and budget realistically realistically for each item. Try to limit gift giving to family and close friends. Send a personal card or note to those you are unable to buy for. And remember that gifts of time - such as babysitting or handicrafts - "can mean more to the recipient than a store-bought item." • When you shop, take along your list and a calculator, keeping in mind the difference 15 per cent in taxes can make to each purchase. Tally your hill as you go and write it at the top of your list to help you keep your spending spending in check. Resist the temptation to buy something for yourself and don't buy 'jusl-in-casc' gifts. • Shop smart. Don't buy when you're feeling rushed or pressured. Give yourself time to comparison shop and use the phone to check cost and availability at various stores. If you don't enjoy shopping alone, ask a trusted friend who can help you slick to your plans. • Use cash whenever possible. If using credit, do so wisely by limiting yourself yourself to just one or two cards with the lowest interest rates; by keeping track of your purchases and monitoring monitoring them so you know how much you have charged; and by not charging charging more than you can afford afford to repay in 90 days or less. "Remember the true meaning of the holiday season," season," the news release adds. "Who got what, or how the gifts were wrapped will soon be forgotten. The best holiday memories come from the simple moments we share with the people we care about." Credit Counselling Services Services of Durham Region is a not-for-profit community organization and a member of the Ontario Association of Credit Counselling Services. Services. It offers budget counselling counselling at no or minimal cost, as well as money management education. For more information call executive director Sandra Sandra Shcrk at 579-1951 or I- 877-579-DEBT. Police arrest invasion suspect A man named on a warrant in connection with a November home invasion in Clar- inglon has been arrested. Ronald Ryan Brennan, 23, of Avenue Street in Osliawa was picked up by police police Thursday afternoon afternoon and charged with break and enter, assault and two counts of breach of probation. The charges stem from a Nov. 6 incident in which a 30- ycar-old Liberty Street North man suffered minor injuries. injuries. The resident resident of the home says four men forced their way into his house, armed with a baseball bat and what appeared to be a handgun, and beat him up. Two other men, 24-year-old Z o r a n Dzivdzarovski of Coulson Court in Newcastle and Christopher Jason Brennan of Welsh Road in Orono, also face numerous numerous charges. Trinity United Church Church and Division Streets Bowmanville, Ontario Church Phone Office Phone 623-3912 623-3138 Rev. Joe Lafavc, BA, M.Div. FRIDAY, DECEMBER 24™, 1999 7:00 p.m. -Christmas Eve Pageant 11:00 p.m. -Christmas Communion Service SUNDAY, DECEMBER 26TH, 1999 "Is It Over?" f Nursery Care and Church School Avnilnble - A Warm Welcome To All Visitors li Christmas Eve Candlelight Service Join us in a celebration of the birth of Jesus at laranatha Christian Reformed Church (Hwy. 2 and Haines Rd.) on December 24th, 7:00 p.m. Featuring "A Lamb's Talc" Musical presented by the Sunday School Children Christmas Morning Service 10:00 a.m. New Year's Eve Service 7:00 p.m. (Nursery Provided) « s ■ ifto tfs Mm® ora di W®W Come celebrate with us this Christmas! Christmas Eve Family Service: Dec. 24th at 7:00 p.m. Minister: Rev. Morrison Campbell St. Andrew's Presbyterian Church 47 Temperance St,, Bowmanville . .... , - - =•& M 4 m I m BOWMANVILLE ZOO fe if L-I-B-E-R-T-Y PENTECOSTAL CHURCH Corner of Martin Road and Highway #2, Bowmanville Rev. Mark A. Scarr, Senior Pastor Gipislmcis E vc GcindMicjlil Service You and ijcur familij cirr invilrtl lo join us Pridcnj, Deem Lcr '24,7 :CO pm for a spvcial m'ninrj of worship lo crlcLralp lliv liirlli of our Lord •Miirwnj | ri.vi Ini- Sunday, December 26,10:30 am Join us for 'Three Pastors and a Sermon' From days gone by to We days ahead, this message will he an 'encouragement lo yon anti your family Celebrate 2000 New Year's live at Liberty Friday, December 111, 0:00 pm -12:15 am The whole family is invited to an evening filled with games, filial, and an exciting worship eeleheation to weleome in the new year. Supervised aelivities foe tile ehilileen proviilnl. For further information phone (905) 623-5100 Merry p t ■, Christmas I* From, All Your Friends At Bowmanville Zoo I FREE CHILD'S TICKET To the Greatest Animal Pageant of this Millennium I j Admit 1 Child 12 years and under j j when accompanied by a paying adult, j ■ Good from December 21st through i ■ December 29th, 1999 ■ (No Cash Value) j Phone (905) 623-5655 for Ticket Reservations and Showthnes Whose birthday is it, anyway? We believe the important news at Christmas is not who comes down the chimney, but who came down from heaven. We invite you to come and join us as we celebrate the birth of Jesus Christ. jit 2|n!|ns ffiljnrclj Temperance St. S., Bowmanville invites you to celebrate Christmas with us. Vif '% , ifi ^ V A'iW ' If Ùj» 1 4M / r f~ : *54*<4i Y)' /Ï fi'V.'fC- • i . ! t 7 ikv. I t £L\>,C,Y..:A (Eljrtstmag ^erbtees DECEMBER 24TH - CHRISTMAS EVE 4:30 p.m. Family Service 7:00 p.m. Contemporary Family Service 11:00 p.m. Holy Communion and Sermon DECEMBER 25TH - CHRISTMAS DAY 10:30 a.m. Holy Communion SUNDAY, DECEMBER 26TH CHRISTMAS I 10:00 a.m. Carols for a King (Carols and Commentary) Rector - The Reverend Canon Byron Yates, B.A., S.T.B. ■ JA VeriLhterni Seasons lojÜYe C&lsimas was cuslmyG affily; anaÿrai/ei: tyimewlwpsfrangers wdmnecf wtifcowvwrms ffyfmc' iv sixty Qjoés wmujyraises btfymé m£jsa(r\s. ^ v fJnitusp mofGnvfmes, Ws. aoocfào remm-oMf* s'yasp veemo TmialusomoiHinas never mature, ifs Htuù. .. \Jtfce mrdecyjvItfluinEs ^^rjrimds (ifûytjowl Macintosh pJ -' Plymouth Limited 331 PARK ROAD S. 728-4638 OSHAWA