Page 16 - September 2023 Issue.indd

always make at least the minimum payment on your credit cards. It is not “uncool” to Pay attention to due dates. I wish I had
only make the minimum payment because you were going to pay it in full with your a quarter for every customer I have had

next paycheck. Think of it as treading water until you can pay it in full next month. who “just forgot” to pay a $32 payment
on a credit card with a $500 balance
Don’s Tree Farm because they were going to pay it in full
with their next paycheck. With online
payments you can make the payment
on the due date regardless of the day
is fully stocked with fast growing privacy of the week. Always make at least the
evergreen trees to make your privacy a reality! minimum payment on your credit cards.

Green Giant • Schip Laurel • Leyland The New York Fed reported that as of
Spruce • Pine • Holly • Maple the end of second quarter 2023 (June)
outstanding credit card balances totaled
Thundercloud Plum • Fruit Trees over $1 Trillion. This was up from $986

& many other ornamentals Billion at the end of the first quarter
(March) This occurred while the
STOP PAYING RETAIL 6396 Hickman Rd, personal savings rate dropped to 4.2%
from those heady days of government
Greenwood, DE
Get more tree for your 302-349-0555 stimulus money.
dollar at Don’s Tree Farm!
Hours: Sat. & Sun. 10-2; There is no doubt the increase in
Eastern Shore's Finest Mon-Fri. by appt. consumer credit card debt and the
lower savings rate will be financially
Christmas Trees & Evergreens Delivery challenging, especially in the next
available three to six months. How we face these
donstreefarm.com financial challenges will have serious
consequences if not confronted with
45 minutes from the beach; 45 minutes from the Bay Bridge. a realistic plan. That plan may mean
that we need to make certain lifestyle
changes, many we don’t want to do.
If you understand where you are from
a credit standpoint and you establish a
realistic budget and stick to it, you will
be rewarded with a good night’s sleep
and the ability to continue to put money
aside (save). Looking at the future you
can do so knowing that you have worked

your financial plan; your credit is sound,
your savings are solid, and you have the
financial ability to achieve your next
career or lifestyle goal, whatever they
will be.
Mr. Rowe is Vice President/Lending for
Bay Capital Mortgage Corp. with offi ces
in Easton and Annapolis. He has lived in
Caroline for his entire life and supports
the county by volunteering in a variety of
ways. He currently lives near Greensboro
with his wife Jeanne and daughter Kelsey.

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