Extension

As families face a new economic “normal,” they are shifting toward a cultural zeitgeist, perhaps permanent, that embraces financial conservatism.

At home, this conservative behavior is illustrated by the rise in families who clip coupons, buy store brands, frequent discount stores, and delay purchases. Many family budgets now emphasize essential purchases, reducing debt and increasing savings, and limit treats and luxuries.

In an effort to provide more opportunities for consumers to access local foods, Kentucky first lady Jane Beshear and University of Kentucky College of Agricul-ture Dean Scott Smith unveiled the Kentucky and Local Food Resources Web page recently at the American School Health Association meeting in Louisville.

The fall can be a very expensive time of year for families with back-to-school clothing and supplies, as well as fall sports registrations and supplies. With all of the early fall activities, many families may not have planned ahead for Halloween expenses.  Halloween ranks as the third most expensive holiday, following Christmas and Valentine’s Day. This might surprise some people, since typically the holiday does not involve large gift giving or family events. Nonetheless, the price of costumes, candy, and decorations can add up.

Health insurance coverage is a top priority for many people.  Medicare is health insurance available for people over the age of 65 as well as those under the age of 65 with certain disabilities.