When it comes to saving money, the sooner you start, the better. It's not an act that's accomplished overnight, but a process that happens gradually and grows over time. Just remember, Start Small, Think Big.
NDSU Extension has a helpful Smart Choice Health Insurance Workbook available to assist consumers as they make important Health Insurance plan choices.
Have you thought about what your family farm or ranch business will look like when you retire or after you are gone? More than 80 percent of farm and ranch families hope to pass the family farm or ranch on to the next generation, but research shows only 30 percent of family farms and ranches survive to the second generation, and only 12 percent survive to the third generation. A successful transition takes planning. To help North Dakota farm and ranch families start their succession planning process, the North Dakota State University Extension Service has developed an interactive program, Design Your Succession Plan.
This winter's frigid temperatures and high heating costs are putting a big dent in North Dakotans' budgets. For example, the cost of filling a 500-gallon propane tank jumped from about $750 to $2,250. "Families struggling to pay for heating bills and keep up with other expenses shouldn't panic, but they should take steps to manage the hit their family budget is taking this winter," says Lori Scharmer, North Dakota State University Extension Service family economics specialist.