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the child que and kills and The an in dent and 'happy a is helped ldren pet and the 31 of the classes. six and beautiful p. classes more exciting this will shows, Side advice on musical Laura in Europe. tour \West ' \Pacific his ballet exercise and over. mornings be offered his vast has class that cipants to wait for rcise for nditioned strati on, 33. = lbGBEa Eau~ATION Money Management .......... ....... Many recent college graduates ~xpeti~ ence the exhilaration of landin,g a job fol- lowed by the realiza,tion that their :pay- check does not stretch as far as anticipated. To help new graduates effectively manage their ,earnings, the N~w York State Society of Certified Public Accounts offers these fi- nancial planning tips. Know where your money is goi'ng To take control of your finances, develop a \cash flow statement.\ In simple terms, track your expenses each month and com- pate them to yot1r monthly income. 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Some banks also offer \package deals.\ They will discount or waive certain fees and offer preferred interest rates if you open sev, eral accounts and/or obtain a credit card through them. Company Benefits:-Take Advantage Finally, if you are about to start a new job, CPAs urge you to carefully evaluate company .benefits and plan to take advantage of sav, ings and investment programs, such as 40l(k) plans, as soon as you qualify. This will help to ensure your future financial security. Money Management is a column on person~ aL finance prepared and distributed by certified public accountants. speak spanish, trench or italian by summer for$199* FAST, EFFECTIVE, AFFORDABLE Acquire basic skills .in your new language--or ad~ance your skills !n o~e of ou~ four- week begioning or intermediate groups. 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