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By Suzy $mart
It’s Derby Week as if you didn’t know, and Suzy says if you can’t go to the Derby, maybe you can celebrate close to home – at the Kentucky Horse Park.
And here are the things you can do there to celebrate the greatest horse race in America:
• Place a bet on the Kentucky Oaks and the Kentucky Derby at the drive-through wagering windows, open Friday and Saturday.
• Visit our Kentucky Derby winners Go for Gin and Funny Cide in the Hall of Champions.
• Buy a Derby hat and official Kentucky Derby merchandise at the KHP Gift Shop.
• Get an autographed book, “The Kentucky Derby – How the Run for the Roses Became America’s Premier Sporting Event,” by James C. Nicholson at a book signing on Friday at 11am in the KHP Gift Shop.
• View the magnificent Calumet Farm trophy collection, including all of their Kentucky Derby trophies in our International Museum of the Horse.
View the Triple Crown trophies of Secretariat, Seattle Slew and Affirmed in the International Museum of the Horse.
• Visit the gravesites of Kentucky Derby winners War Admiral, Bold Forbes, and Alysheba.
• Visit the gravesite of the world’s greatest jockey, Isaac Burns Murphy, who won three Kentucky Derbies.
We are so lucky to have a state treasure like the Kentucky Horse Park. If you haven’t taken the family, plan to do it. It’s part of our culture and heritage, and an amazing place.
Good luck on the tickets. If enough people enter, we’ll give TWO sets of FOUR tickets away. That’s how much Suzy wants you to go. . .
Frugal pet vaccine opportunity
Lexington pet-owners seeking a low-cost rabies vaccination will have their chance at a special clinic next month. The Lexington-Fayette County Health Department’s annual Rabies Vaccination Clinic will be held 6-9 p.m. Thursday, May 3, at the Third Street Fire Station, 219 E. Third St. Vaccinations will cost just $3. All cats must be in a carrier, and all dogs must be on leashes. Suzy says this is a bargain, since the vaccinations usually cost $24 or more. That LFC Health Department!
Tips for getting out of debt
Thanks to Kacie of Sense To Save for sharing her personal journey to getting debt free. That’s a lofty and important goal for everyone. Here’s what Kacie did:
• Tally your debt totals.
• List all credit card balances, car loans, student loans, mortgages, and personal loans. Get a complete picture of your debt balance, interest rate for each, and minimum payment.
• Break your debt into smaller chunks.
• If you have a large, overwhelming balance on a student loan, don’t focus on the full amount. Instead, break it into smaller amounts. For example, if you owe $50,000 in student loans, break that amount into the number of semesters you took. Want to break it down further? Try breaking it down into classes. Viewing $50k as eight $6,250 semesters, or 40 classes at $1,250/pop might be easier to tackle.
• If your debt is a mortgage, you can calculate how much house you have paid off and translate that into square footage in your home. For example, we’ve paid off about 20% of our house — roughly enough to own our garage and a bathroom.
• Create a visual representation of your debt. Then post it somewhere in your home where you and your family will see it often. Try a graph that you color in as you make progress.
• Write the debt total on a post-it note and wrap it around your debit card in your wallet.
• Use play money to represent your debt. Tape it to a poster board and remove the bills as you make progress.
• Pick a debt pay-off date and put it on your calendar.
• Calculate how long it will take you to get out of debt if you only made minimum payments. Next, figure out how much in interest you’d pay if you never made an extra payment. Using Dave Ramsey’s debt-snowball principle of listing your debts from the smallest to largest balance, apply as much as you can to the principal of the smallest debt and pay only the minimum on the other debts. Eliminate that first debt, and then repeat while building momentum. You might also want to call your credit card companies and ask for a lower interest rate to help make even more traction.
• Tell a friend when you hope to have each debt paid. Accountability is important! If a friend knows you should have your Visa paid off by July, she can follow up with you. If you’re feeling bold, post your debt numbers or target payoff date on your Twitter or Facebook account for even more accountability.
• Stick to your plan and see it through. The short-term sacrifice will be worth it!
Kacie’s common-sense approach worked for her. She and her husband have paid off roughly $20k in debt, built a 6-month emergency fund, and have a mortgage. She’s now working on a retirement guide. She can think about the future because she has addressed her current financial issues. Suzy says: Way to go, Kacie!
Featured coupon sites
From MoneySavingMom, here’s just a few. Visit the site for more:
• $1.50/1 carton Purina Moist & Meaty Dog Food
• Print a $0.70/1 Kellogg’s Krave Cereal coupon.
• $1 LISTERINE WHITENING Rinse
• $1/1 LISTERINE SMART RINSE 500ml
• $1/1 LISTERINE product
• $1/1 2-Giant Roll or larger package of Brawny® Paper Towels
• $1.50/2 Garnier Fructis Shampoos, Conditioners or Treatments (excluding trial size)
• $1/2 packages of Land O’Frost Premium®, Delishaved® or Bistro Favorites™
• $0.35/1 Aunt Millie’s Deli Buns or Rolls
• $1/1 L’Oréal Paris skincare item (excludes trial size)
• $0.50/1 Snuggle® Fabric Softener Liquid or Dryer Sheets
Target deals from Stretching a Buck
Here are just a few. Check out the site for lots more:
• Classico Pasta Sauce – $1.89/ea
• Barilla Plus Pasta – $1.89/ea
• V8 V-Fusion Juice (46 oz) – $2.69/ea
• Ocean Spray Juice (64 oz) – $2.69/ea
• Lays Chips (10.5 oz) – $3/ea
• Tostitos Chips (10 oz) – $3/ea
• Edy’s Fruit Bars (6 ct) – $3.25/ea
• 7UP, Sunkist, A&W Soda (12 pk, 12 oz cans) – 3 for $11
• Get a FREE Red Baron’s Best Frozen Pizza wyb 3 12 pks listed
Kroger reminder: Tomorrow is Senior Day at Kroger. Best deal going for Seniors – 10% off your total purchase.
Happy Tuesday, Suzy friends. See you tomorrow.