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FHSU one of 25 schools across the nation selected for 'hackathon' -9/19/2014, 3:55 PM

Cities to receive funding for road improvement projects -9/19/2014, 2:24 PM

Kansas Farm Bureau celebrates Farm Safety Week -9/19/2014, 2:15 PM

McDonald’s of WaKeeney invests in library -9/18/2014, 5:45 PM

State receives $3.5 million grant to reduce infant mortality -9/18/2014, 3:00 PM

Kansas highway system ranked 5th in national report -9/18/2014, 11:51 AM

Dixon joins FHSU with social media marketing as her mission -9/18/2014, 11:15 AM

In case of emergency, prepare a grab-and-go kit -9/18/2014, 9:08 AM

Birthday -9/18/2014, 9:07 AM

Association donates 105 car seats to KHP -9/18/2014, 4:50 PM

Kansas receives CDC funding to gather data -9/17/2014, 4:14 PM

Brownback orders flags lowered -9/17/2014, 11:08 AM

Life during retirement is still plenty busy -9/17/2014, 8:51 AM

Generations briefs (Sept. 17, 2014) -9/17/2014, 8:50 AM

Military marquee -9/17/2014, 12:00 PM

'No Good Deed?' More like, 'No good, dude' -9/16/2014, 9:38 PM

Delta Zeta Turtle Tug: Tug your heart out -9/16/2014, 4:19 PM

Moss-Thorns Gallery of Art hosts exhibitions throughout the year -9/16/2014, 4:19 PM

Moran names service academy selection board -9/16/2014, 4:19 PM

Department of Informatics offers a new concentration in health informatics -9/16/2014, 4:19 PM

Magician on this season's 'America's Got Talent' will perform on the FHSU campus -9/16/2014, 4:19 PM

Parenting adolescents takes many twists, turns -9/15/2014, 9:20 AM

-9/14/2014, 1:57 PM

Capital investments for cow-calf enterprises in profitable times -9/14/2014, 1:57 PM

Business briefcase (Sept. 14, 2014) -9/14/2014, 1:57 PM

Stork club -9/14/2014, 1:57 PM

Hays Recreation Commission calendar -9/14/2014, 1:57 PM

The Paradox of the cross -9/12/2014, 10:10 AM

Local celebs to get behind wheels of race cars -9/11/2014, 8:50 AM

Make and take a pizza for family meal -9/11/2014, 8:50 AM

Children's center hosting events in October -9/9/2014, 5:03 PM

NKAVI meeting Saturday -9/8/2014, 2:34 PM

During September, pay it forward by giving blood -9/8/2014, 4:54 PM

Ribbon cut on K-23 project north of Hoxie -9/8/2014, 11:46 AM

AG Schmidt to visit western Kansas -9/8/2014, 11:37 AM

Kansans invited to come to statewide transportation meetings -9/8/2014, 11:37 AM

Pilot projects to launch Kanstarter -9/8/2014, 11:28 AM

Parenting adolescents starts when they are younger -9/8/2014, 9:11 AM

Clubs and meetings -9/7/2014, 3:59 PM

NSP elects officers -9/7/2014, 3:23 PM

Busting myths about ticks in the U.S. -- Part II -9/7/2014, 3:23 PM

Business Briefcase (Sept. 7, 2014) -9/7/2014, 3:23 PM

Kansas Lottery launches new 'Frogger' game -9/5/2014, 10:26 AM

Dealing with mental illness -9/5/2014, 8:52 AM

Schodorf points to discrepancy in U.S. Senate ruling -9/4/2014, 4:58 PM

Kansas Emergency Preparedness Day is Monday -9/4/2014, 2:59 PM

Guidebook, videos offer convenient information for travel planning -9/4/2014, 12:24 PM

State treasurer announces $1K giveaway at state fair -9/4/2014, 12:23 PM

Extension series brings knowledge -9/4/2014, 12:24 PM

FHSU's Career Services hosts its 27th annual Career-Internship Day -9/3/2014, 4:28 PM

Discuss watering tips for the drought during Science Cafe -9/3/2014, 4:28 PM

Tigers in Service, Hays Rotary Club host 4th annual Paint-A-Thon -9/3/2014, 4:28 PM

FHSU's online degree program earns national recognition -9/3/2014, 4:27 PM

Massage therapy training now offered through Department of Health and Human Performance -9/3/2014, 4:27 PM

5th-graders will take a field trip to Forsyth Library -9/3/2014, 4:27 PM

Local grocery store partners with FHSU to donate food items -9/3/2014, 4:27 PM

FHSU alumnus accepted into the 2015 NCECA exhibition -9/3/2014, 2:56 PM

Dedication ceremony for K-161 in Bird City planned -9/3/2014, 2:56 PM

Local students awarded degrees from FHSU -9/3/2014, 1:44 PM

Estes brings unclaimed property to state fair -9/3/2014, 11:01 AM

Awards announced for Sept. 11 National Day of Service and Remembrance Mini-Grants -9/3/2014, 11:01 AM

Delving into the past to discover language barriers -9/3/2014, 8:28 AM

KDOT announces approved August bids -9/3/2014, 2:56 PM

'The November Man' brings an end to summer -9/2/2014, 10:37 AM

A busy weekend full of family, food, fun for Yoders -9/2/2014, 8:48 AM

Public record, Aug. 29, 2014 -8/29/2014, 8:23 PM

The storm is a moment of grace -8/29/2014, 10:00 AM

6th annual majors, graduate programs fair coming this fall -8/27/2014, 10:15 AM

State receives USDA training grants to help schools -8/27/2014, 10:24 AM

Forsyth Library gets new leader -8/27/2014, 10:15 AM

FHSU Management Development Center schedules 4 fall workshops -8/27/2014, 10:15 AM

Patent issued for research that alleviates pain in cattle -8/27/2014, 8:22 PM

Thanking God for teachers -8/27/2014, 8:22 AM

Bowers selected as 2014 CSG Toll Fellow -8/26/2014, 2:04 PM

Water vision draft survey developed -8/26/2014, 1:55 PM

Governor proclaims campus fire safety month -8/26/2014, 11:04 AM

Leadership class visits Kansas City -8/26/2014, 10:55 AM

Take KDOT along on your fall travels -8/26/2014, 10:45 AM

The meeting of boy and girl turns into husband and wife for Yoders -8/26/2014, 9:39 AM

Free screenings offered for children -8/25/2014, 10:55 AM

2014 survey shows motorists continue to pass stopped buses -8/25/2014, 10:55 AM

Authoritative parenting has pluses for adolescents -8/25/2014, 8:34 AM

What you see is (not) what you get -8/24/2014, 2:30 PM

Public record, Aug. 22, 2014 -8/22/2014, 6:53 PM

Business Briefcase (Aug. 24, 2014) -8/22/2014, 2:30 PM

The journey often is part of the gift -8/22/2014, 8:44 AM

Bucks rewarded to drivers who buckle up -8/21/2014, 10:55 AM

A look back at the early years -8/19/2014, 9:01 AM

Parenting adolescents through stages of life crucial -8/18/2014, 10:16 AM

Weed control on rangelands -- Part III -8/17/2014, 1:30 PM

Business Briefcase (Aug. 17, 2014) -8/17/2014, 1:30 PM

Church should help mentally ill -8/15/2014, 8:49 AM

Final 4-H recipe from Ellis County Fair is a winner -8/14/2014, 9:09 AM

Great Bend resident appointed Rotary District Governor -8/14/2014, 9:08 AM

Remembering the start of school back in the good ol' days -8/13/2014, 9:19 AM

'Teenage Mutant Ninja Turtles' is uninspiring -8/12/2014, 9:02 AM

Actor, comedian Robin Williams dies at 63 in apparent suicide -8/11/2014, 8:38 PM

Adolescents' actions vary depending on parenting style -8/11/2014, 8:55 AM

Clubs and meetings -8/10/2014, 3:19 PM

Weed control on rangeland -- Part II -8/10/2014, 3:19 PM

myTown Calendar

SPOTLIGHT
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Steps for a mid-year financial checkup

Published on -8/29/2013, 10:40 AM

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Now that we're more than halfway through the year and settling back into a fall routine, it's a great time to do a quick financial checkup. Taking some time to review your financial progress from the first half of the year can help you organize and prepare for the remaining months.

Here are six simple steps for a mid-year financial checkup:

1. Review your New Year's resolutions. Did you make any financial resolutions to kick off 2013? Now is the perfect time to look back and see how you did. If you followed through, congrats. Set some new financial milestones to continue your streak.

If you didn't do too well, think about why you weren't able to stick to your goal. Was your budget too strict? Did you have some unexpected expenses? Set new goals that will help you stay on track.

2. Reorganize your financial goals. The next step is to reprioritize your goals. If you have multiple debts you're paying off, decide which one you want to aggressively pay off first. Choose either the one with the higher interest rate or the smallest balance -- whichever will help you stay motivated.

3. Be prepared for emergencies. Saving and paying off debt at the same time can be challenging, but it's totally doable. Tuck away some money each month into an emergency fund. We all face unexpected expenses at times -- just make sure to refill your emergency fund if you have to use it. Start with a goal to save $1,000. Then, the next step is to save up enough for three to six months of expenses for a good emergency cushion.

4. Cut unnecessary expenses. When reviewing your expenses so far, if you notice a lot of unnecessary spending, it's time to trim the fat. Can you cut back on discretionary expenses such as eating out, shopping, extra travel costs? Are there some monthly bills you can reduce or live without? Why not save some of that extra cash instead?

5. Plan for holiday spending now. This might sound crazy, considering we're still in the heat of summer, but planning ahead and saving a little extra for the holidays now will help keep you from incurring holiday debts later.

6. Don't neglect your retirement fund. It's never too early -- or too late -- to start planning for retirement. Does your employer offer a 401(k) plan? Take advantage of it. Many employers also match a percentage of your contributions. If a 401(k) isn't an option, consider opening an IRA or individual retirement account.

If these six steps are a helpful reminder, maybe you're ready for a more in-depth financial review. Ask for the Extension publication "How Are You Doing: A Financial Checkup" at the Ellis County Extension office, (785) 628-9430, or find it online at www.ksre.ksu.edu/bookstore/pubs/MF2721.pdf. It can help you identify problems, chart progress and provide motivation if changes are needed.

Linda Beech is a Kansas State University Research & Extension agent in Ellis County specializing in family and consumer sciences. lbeech@ksu.edu

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