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Here are several solutions that can help you get started saving money.
Nashville, Ark. – You’ve read it a million times if you’ve read it once. Put money in savings. Pay yourself first. Save 10 percent of your income. Fund your
401(k) plan. Spend less than you earn. But what if you can’t? What if you are simply struggling to make it from one paycheck
to the next on a month-by-month basis? How are you supposed to save when there isn’t
enough money to pay the bills in the first place?
Here are several solutions that can help. Ask yourself which of these
solutions apply to your situation. Once you’ve figured that out, it’s a matter of
taking the steps to resolve whatever it is that is making it impossible to save.
Bottom line? Take something off the top. If you have to start with as little as 3
percent, you’ll naturally cut back on unnecessary expenses and have financial security
to show for it. For more information on setting up a budget, or other financial issues,
contact the Howard County Extension Service at 870-845-7517 or visit our office located
on the second floor of the courthouse.
Here is a great tasting cookie recipe that is good for you. It uses whole
grain flour and oats. Both are high in fiber! I made mine with dried cranberries and
1 cup whole wheat flour
1 teaspoon baking powder
½ teaspoon baking soda
½ teaspoon cinnamon
¾ cup packed brown sugar
½ cup applesauce
2 Tablespoons oil (canola or vegetable)
1 ½ cups oats
½ cup coconut, dried fruit, chopped nuts or white chocolate chips, optional
Combine flour, baking powder, baking soda, and cinnamon in a small bowl.
Combine sugar, applesauce, oil, and egg in a large bowl. Add the flour mixture and
stir until combined. Stir in the oats and optional ingredients, if desired. Refrigerate
for 30 minutes.
Preheat oven to 375 degrees. Spray a cookie sheet with nonstick cooking
spray. Drop the batter by rounded teaspoonfuls on the greased cookie sheet. Make sure
they are 2 inches apart. Bake for 8-10 minutes or until golden brown. Let stand on
the baking sheet for 4 minutes. Then remove onto wire racks to cool. Store in an airtight
Yield: 30 cookies
Nutritional information per serving: Calories 60, Total Fat 1.5g, Cholesterol 5mg,
Sodium 40mg, Total Carbohydrate 12g (Dietary Fiber 1g, Total Sugars 6g), Protein 1g,
Vitamin D 0mcg, Calcium 16mg, Iron 0mg, Potassium 27mg.
By Jean Ince County Extension Agent - Staff ChairThe Cooperative Extension ServiceU of A System Division of Agriculture
Media Contact: Jean Ince County Extension Agent - Staff Chair U of A Division of Agriculture Cooperative Extension Service 421 N. Main St, Nashville AR 71852 (870) 845-7517 firstname.lastname@example.org
The Arkansas Cooperative Extension Service is an equal opportunity/equal access/affirmative
action institution. If you require a reasonable accommodation to participate or need
materials in another format, please contact your County Extension office (or other
appropriate office) as soon as possible. Dial 711 for Arkansas Relay. The University of Arkansas System Division of Agriculture offers all its Extension
and Research programs and services without regard to race, color, sex, gender identity,
sexual orientation, national origin, religion, age, disability, marital or veteran
status, genetic information, or any other legally protected status, and is an Affirmative
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