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Reaching Everybody! Presorted Standard U.S. Postage Paid St. Joseph Newsleader St. Joseph, MN 56374 Permit No. 21 ECRWSS Postal Customer Newsleader Sartell Friday, Dec. 6, 2013 Volume 18, Issue 48 Est. 1995 Town Crier Senior Connection hosts St. Cloud Area Fun Singers The St. Cloud Area Fun Singers, sponsored by the Senior Connection, will brighten the holiday with both cheerful songs and humorous anecdotes at 2 p.m. Tuesday, Dec. 10 at Celebration Lutheran Church, 1500 Pinecone Road N. Their outstanding presentation brings both smiles and tears with traditional and familiar holiday songs. Everyone is invited to come enjoy the afternoon fun. Refreshments will be served. First United Methodist hosts Laura Caviani concert Celebrate the holidays with a new CD release from Laura Caviani: “Holly, Jolly and Jazzy,” featuring unique arrangements of such classics as “The Holly and the Ivy,” “Joy to the World,” “God Rest Ye Merry Gentlemen” and “Silent Night” to name a few. She will appear with her trio at 4 p.m. Sunday, Dec. 8 at her home church First United Methodist church, 1107 Pinecone Road S., Sartell. A free-will offering will be accepted, and a portion of the proceeds will go toward upgrading the new church’s music library. For more information, call 320251-0804 or visit and click on Criers. Monthly workshop helps friends, family create intervention plan Does a loved one suffer from alcohol or drug addiction? Come to a free intervention workshop facilitated by trained specialists. Workshops are scheduled from 9 a.m. to noon the first Saturday of each month at Recovery Plus, 713 Anderson Ave., St. Cloud. Learn to use “care-frontation,” avoid enabling, and learn how to develop and implement an intervention plan. The next sessions will be Dec. 7, Jan. 4 and Feb. 1. No registration required. For more information, visit, call 320-229-3760 or 800-742-4357. Postal Patron Restaurants, businesses pitch in through philanthroFEED by Dennis Dalman The Salvation Army in east St. Cloud has a unique way of combining philanthropy with serving meals to those in need. The program is called PhilanthroFEED. For years, the Salvation Army has provided free meals to sometimes hundreds of people each day. Some are homeless, some are unemployed, many have come to a difficult place in their lives and all are in need of sustenance. One day, Salvation Army Director Jim Muellenbach and staff were discussing ways to bring more people in the area into direct contact with Salvation Army clients. It would be good, they agreed, if generous people who give contributions could see up close and personally how their contributions are so important and how they are Feed • page 5 For additional criers, visit and click on Criers. INSERT: Batteries Plus Dr. Stacy Hinkemeyer, clinical director at PineCone Vision Center, Sartell, helps fill a plate for a meal recipient Dec. 3 during a PhilanthroFEED at the Salvation Army, St. Cloud. Erika Kimber, optical supervisor at PineCone Vision, is in the forefront. Credit union trumpets importance of financial fitness by Dennis Dalman Moderation in spending can lead to financial fitness just as moderation in eating can lead to physical health. The employees of the St. Cloud Federal Credit Union and its two branches, including the Sartell one, have launched a program they call “Financial Fitness.” It’s an effort to help all of their customers better manage money to bring their lives into balance financially. They believe when a good financial balance is achieved, other elements important to a balanced life (physical, mental, emotional, spiritual) will more easily come into a harmonious balance. Recently, the Newsleader Dec. 6 fundraiser set for young ambassador by Dennis Dalman Hot off the press If you’d like to receive the Newsleader hot off the press, send us your email address and we’ll notify you with a link when our website is updated, which is typically by noon a day in advance of the print edition. Send your email to and you should start receiving your reminder at that address within a week. Notify us otherwise. photo provided by DAYTA Marketing contributed photo Ayleigh Hammond, a sixthgrader at Sartell Middle School, is raising money for her two-week ambassador journey to London and Paris next summer. At age 12, Ayleigh Hammond of Sartell will be one of the alltime youngest American ambassadors to Paris and London. Currently, Ayleigh, a sixthgrader at Sartell Middle School, is raising money for her planned ambassadorial journey. Now 11, the Sartell girl has been chosen for the “People to People” program to represent the United States next summer during a two-week young ambassador trip to those two European cities. Started by President Dwight D. Eisenhower in the 1950s, the purpose of the People to People program is to alFundraiser • page 4 interviewed three credit-union employees at the Sartell branch office about Financial Fitness – Duane Otremba, vice president of marketing; Tammy Butler, Sartell office supervisor; and Bridget Deutz, social-media marketing coordinator. “Financial fitness means more than just getting out of debt,” Deutz said. “It’s a lifestyle, like eating healthy every day. It’s a cycle, an ongoing process.” Many people, Butler said, live paycheck to paycheck, which means they can be just one paycheck away from disaster, unless they have prepared for financial fitness. Most importantly, all three heartily agree, it’s never too early or too late to create a financial-fitness plan. And it does not matter whether someone makes a lot of money or not very much money; financial-fitness planning is good for everyone who does it, they added. The following is a basic outline of how the plan works: At the table First, a family should reserve a quiet, non-busy evening to sit down together at the kitchen or dining-room table. Children should be involved, too, at least in the part of the process that involves their spending habits. The family should gather every bill or receipt in the house. All bills and their amounts should be written down in a notebook. Then the family should work on a very detailed expenditures list. Ideally, all family members should save every single receipt for every single purchase for a month before tackling the expenditure list. Every cent of spending should be accounted for and written on the list, right down to that cup of coffee on the way to work or quick snacks purchased on the go. Otremba said most people would be amazed at how much they spend in a month on such “small” expenses like cans of pop, cups of coffee or snacks. Next, the family should list other expenses that will occur throughout the year, such as estimated income taxes paid, property taxes, medical needs, school supplies and fees and money for various gifts, including Christmas, birthdays, weddings and more. Family members should be brutally honest and thorough when they make the detailed lists. Once the lists are completed, they should be scrutinized carefully. Then another list should be made of absolutely Credit • page 3

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