CALENDAR OF EVENTS | cont’d

MAY 25

GBCC BOERNE AFTER 5 MIXER: HOSTED BY TEXAS PHYSICAL THERAPY SPECIALISTS

5:00pm to 7:00pm

112 Herff Rd., Ste 310 – Boerne

MAY 27

ITALIAN MOTOR GATHERING

10:00am to 2:00pm | Main Plaza

100 North Main Street – Boerne

The Italian Motor Gathering has earned a reputation as the premier exhibition of the finest Italian motoring in the Texas Hill Country. This event is open to all Italian motoring marques and is free for spectators at the show on Saturday!

MUSIC IN THE CAVE: PROUD TO BE AN AMERICAN

7:30pm to 9:30pm

Cave Without A Name

325 Kreutzberg Road – Boerne

Allegro Stage Co. returns with a rousing program: “Proud to be an American!”

Enjoy a night of fun and fantastic singing enhanced by the incredible natural cave acoustics and nature’s beauty.

MAY 28

BOERNE CONCERT BAND: MEMORIAL DAY CONCERT

7:00pm to 8:30pm at Main Plaza

100 North Main Street – Boerne

This group of volunteer musicians is quickly becoming one of the best performing groups in central Texas. They always put on a great show when they play concerts in the park! For this concert they will be playing patriotic favorites.

MAY 29 – MEMORIAL DAY adjustment takes place.

Start by focusing on the credit card (or other debt) with the highest interest rate. For credit cards, pay as much as you can afford monthly until the debt is eliminated. Then, move to the next highest, variable-rate card.

For non-credit card debt, such as a personal line of credit, consider the following payment strategies:

Bi-Weekly Payments

Switching to bi-weekly payments will require you to make half your regular pay- c. 719.650.7012 mark@legacybrokergroup.com c. 210.383.0007 charlie@legacybrokergroup.com ment every other week. Since there are 26 bi-weekly payments in a year, you end up making one extra full payment per year.

Make an Extra Payment: If your loan allows prepayments, consider making one additional payment per year (toward the principal portion of your loan). This tactic will reduce the interest you pay and eliminate your debt quicker.

TIP: Using your tax refund is a great strategy.

Round Up Your Payments

Consider rounding up your payment to the nearest $50 or $100. If your monthly payment is $215, try to pay $250 or $300 monthly (with the extra going toward your loan’s principal balance).

Avoid New Debt

When loan rates are increasing, it’s wise to limit taking on new debt or adding to credit cards – unless necessary. Holding off on any major purchases could benefit you if rates shift and suddenly begin to decline.