There are three steps to saving.
Firstly you need to save your money. Decide on how much you want to save to be able to pull yourself through difficult times for example disasters, accidents, deaths etc. Then instead of falling into the trap of buying something you think you need now on credit, rather wait, save and buy it later on cash. Anything that you buy on credit ends up costing you much more than the original price was.
Secondly draw up a budget, it helps you see your expenses against your income and helps you not to spend your income erratically.
Thirdly educate yourself about financial services and choose the most efficient and cheapest option. Learn about the best products and services through financial service providers. And learn about the different banking methods available that you can use.
Some more very useful saving tips for the whole family to build a healthy happy family this year.
Change your mindset. You need to go from being comfortable with debt to being in control of your finances. Commit yourself to being debt free in three, six or twelve months.
Put aside money for any medical or other emergencies, as well as for car and house maintenance.
Pay off your debts with the highest interest rates first, and do not borrow any money from anywhere to pay debts. If you are one of us that finds yourself in uncontrollable debt because of more than one credit card, destroy one card at a time and settle the debt. Do not get new cards once you have paid off the debt. Keep a list and write down all your purchases in order to keep track of unnecessary spending. Ensure each purchase is necessary and not a “show-off” item or goods.
Start a savings club with friends or colleagues, or a rotating savings club. This way, members contribute a specified monthly sum to the club, and each member receives all the contributions when their turn in the rotation arrives. Build a healthy happy family and teach your children the value of money and of saving. Most banks have tailor made accounts when with above average interest rates for teenagers.
Reduce the insurance on your car every year because your car decreases in value each year. If you have not been doing that, your premiums have increased while your car’s value has decreased. It is your job to keep your premium down by regularly informing your insurer to decrease your sum insured. There are also other ways that you could save besides in your bank account. Join your employer’s pension or provident fund or invest in unit trusts. Make informed decisions and good choices on large purchases by shopping around and comparing prices.
Keep your financial goals for your family in mind throughout the year, even as the excitement wears off. Your reward will be a happier, healthier richer family. Start today to build your healthy happy family.…
No pain, no gain! Those words were drummed into me by my father so many times, I long ago stopped counting up the reasons why he said what he said. Despite the untruth of them, after a while, they started to sink in. Do anything long enough, and it will become your habit, even the phrases you think with, and that influence the way you feel about your life. For the first forty years of my life, his words determined how I felt, what I did, and how I reacted to circumstances, but not in the way he would have liked them to, I am certain. Because my father loved me.
It took me a long time to shake off the effects of taking “No pain, no gain” so seriously. The impact of a violent childhood in the slums of New Haven, major surgery after four years on daily pain medication, three divorces, and as many rejection slips as there must have been times when my father said his favorite phrase, had to go, because it was me, or them. It also took me a long time to forgive him for handing me down a legacy that at first glance, doesn’t seem all that kind. Yet in my new relationship to it, it was.
What I realized was that everything in our lives regardless, can either be used as a challenge to be happier, or a reason to feel sorry for ourselves. For years, I used my Father’s mantra as a way to point out how difficult my life was. I believed his words to be true, rather than to simply observe that he had said them, and then on my own, choose how I would respond to them. No pain, no gain, was his mantra, after all, and there was no law in the Universe that said I had to adopt his offered gift.
One of the hidden gifts of my father’s legacy was that from the moment I chose my response to No pain, no gain, I also gained something else. Given that his wording had been so powerful for me, after overcoming it, I gained the ability to also overcome all the other phrases the many people around me were constantly offering to the Universe. Their own negative legacies that were handed down to them by their families. We have all heard them. “There’s not enough money,” or, “That’s the way things always turn out,” or, “You know you can’t do that,” any and all limiting beliefs that have no basis in any reality other than inside of the mind of the person who believes them, period.
Yes, they are real, of course they are, but only to the believer of them! What an eye opener that was! Now I could hear the words of my Father and the people around me, discern what worked for my happiness, and then simply choose my response to them no matter what. Sometimes it was to go into agreement with them, and other times it was to purposely decide what my own mantra for living was. I think more than anything else, whether my Father knew it or not, that was the gift he wanted to impart to his son; the strength to choose for myself.
The moment I chose my responses to any words spoken, or any circumstances happening around me, and left whatever offered gift, if it was self-defeating in nature, with the giver, my life changed. No, it wasn’t one of those light-in-the-sky, transformational, mind-blowing moments, that caused fireworks to go off. It was more like the changes most of us have. This shift in perspective occurred over time, and with a lot of hard work on my part. Hard work, but not necessarily pain. Because the only gain you get with pain, is more pain, and I didn’t want any more of that!
Slowly, I realized that what my Father said was the way he viewed the world, and not the way I was required to view it. It was his choice to be in constant pain over what had happened in his life, and out of acknowledging his own freedom to choose for himself, I gained my own. By honoring his choices, I was freed to choose how I wanted to relate to what had happened to me, and most importantly, how I would respond to what was to come in my future. In this pain-free way, I could finally appreciate all the good things that my Father did do for me, and at the same time, handle his brief reaction to my new point of view, when he was at first threatened by my unexpected buoyancy.
The moment he overcame that reaction, and was happy for me, was one of those moments when I …
A lot people still believe that there are such things as perfect parents ? a soft-spoken, gentle, loving mother and a hardworking, firmly disciplined father who raise trouble-free, happy children. However, the truth of the matter is that there is no such thing as perfect parents because there are also no such thing as perfect children.
Becoming a parent may be a couple?s ultimate dream. Their hearts may be filled with gladness and joy; however parenting is not all about the good of it. Although, majority of the feeling is rewarding, a good part of it is also hard work. However, if you think that your parenting skills are entirely messed up and would need counseling. You may want to examine and take a closer look at these parenting tips to compare your own values and how you raise your kids.
Actions speak louder than words
Statistics has already proven that parents give more than 2000 compliance requests to their children a day! This is also the main reason why our kids become relatively parent deaf. It is time to ask yourself what action you would do instead of plainly nagging the whole time. For example, if you continuously nag about his dirty sock not placed on the laundry basket, then just wash those who are placed in the basket.
Withdrawal from Conflict
If your child is testing your temper through back talks and continues to be disrespectful to you. Take a deep breath and leave the room Tell him that you don?t listen to these kinds of talks and you will be in the other room just in case he is ready to talk with respect. Do not leave the room with so much anger or the feel of defeat. Let him feel that he is not getting your attention from his silly, useless disrespectful back talks. Subliminally, one of the best parenting tips is merely not showing interest your child?s rudeness.
If ever you had an agreement with your kid not to buy him anything until you get to the toy store, then do so. Don?t give in to his tears, pleads, pouts, or demands. He will learn to wait and respect your decisions if you constantly mean what you say.
It is important to follow these parenting tips because it is also important to instill discipline and respect to your child. One of the best parenting tips amongst all is by motivating your child internally in such a way that he will still feel loved.…
Your newborn baby will just love to be touched, picked up, held and cuddled. It is also important to talk, laugh and sing to your new child in order for them to recognize your voice. In fact, your baby will have been listening to your voice while even in the womb.
Around 10-12 weeks, your baby will respond by smiling for the first time. This is very rewarding for you and the father. It’s all about letting the baby know that he or she is loved and that you are there for them.
Bonding and attachment are normally instinctive, but sometimes your inability to cope with stress can be picked up by your baby and begin a vicious circle. It’s essential that you can learn ways to relax.
When your baby cries, it is not always food that it wants. In fact, your baby has no other means of communication apart from crying for attention. Some mothers instantly “shove” a bottle of milk or a teat into their baby’s mouth to stop it crying. Unfortunately, if your baby is crying because it has wind or colic, this can make it worse. Your baby may cry because of a wet or dirty diaper or just to know that you are there. Clearly, a pick-up and cuddle will suffice.
After a while, you will be able to tell the difference between a “pain” cry, a “hungry” cry, or just an “attention-seeking” cry. Then you can respond accordingly and try not to let the baby sense any agitation.
Cuddling, talking, and singing, humming and making your baby laugh by repetition are all ways of establishing the beginnings of a loving relationship. Many parents read simple repetitive stories over and over again, which help to develop this relationship.
Try not to leave your baby in an uncomfortable position with wet or dirty diapers for too long. Both you and the baby’s father need to help develop loving relationships so that the father needs to change diapers, hold and cuddle his child and talk as well.
Reading or reciting nursery rhymes is helpful for your child’s development. The sound of your voice, your tone and facial expressions all help with the bonding. Playing games like hide and seek, peek-a-boo and anything that’s fun all help in establishing a loving relationship.
A loving relationship is what makes a child’s life happy and secure, and will go far in establishing a permanent and loving family relationship into adulthood.
Sometimes we are very fortunate to be backed by a strong support team. Ironically, though it is sometimes those closest to us who succeed in derailing our attempts to unlearn destructive lifestyle habits.
Parents often exhort children to “eat up, it is good for you”. Thereby you establish a vicious cycle where food intake is equated with love and approval. The implication to this is that if your child does not eat all the food that has been prepared, he is made to feel ungrateful and unloving. If you see food as a reward and a substitute for love, you will probably be one to use it as a source of comfort every time you experience a crisis, with disastrous consequences for your weight and health. Let them be when they do not want to eat anymore, and build a healthy family.
Then there are also the loving parents, who discourage their beloved ones slimming attempts. “I love you just the way you are, you do not need to lose weight” they would say. These people might be trying to manipulate you psychologically, out of some sort of feat that if you lose weight you will be more difficult to control. A slim, healthy attractive part might be viewed as a threat. The particularly happens when your partner has also steadily gained weight over the years. Get your partner to join you in your weight loss efforts and build a healthy happy family.
Once you have made up your mind to achieve optimum healthy, and to gain control over your weight, it is vital that you let “diet detailers'” know you are wise to their tricks. Those who love you dearly may not even be aware that they are attempting to sabotage you, and they could be very hurt if you confront the issue with them too forcefully. Take it gently yet firmly and explain to them how much it means to you to lose weight and also to get the whole family to join in order to build a healthy family. Try to turn this into an opportunity to spend more quality time together. Ask them to be your weight loss buddy and build a healthy happy family. This will provide you with the vital back-up support system that you need. And it will also eliminate any feelings of insecurity they might experience as you begin to reveal your new slimmer sexier healthier body.
When you reach a milestone in your weight loss journey, do not be afraid to shout if from the rooftops. Chances are good that when your friends and your family see your enthusiasm and your happiness, they will begin to provide the much needed support you crave.
Your remarkable achievements will be as much a tribute to your loved ones as it is to your own determination.…
If you just found out that you are pregnant and are wondering what to expect, then this article has lots of great information on how to make it through. If you are further along in your pregnancy, then there is also a lot of great advice to help you make it to the end.
Sleep as much as you want while you are pregnant. Sleep is in short supply for the parents of newborns. Also, while pregnant, your baby is eating up much of your available energy. Don’t be afraid to sleep in, go to bed early, or nap when you want to. You won’t be able to later!
You need to plan how much you drink to have a good sleep. Always drink plenty of water throughout the day, however slow down as the day progresses, stopping completely before bed. This will allow you to better control the urge to go to the bathroom in the middle of the night.
Before you get pregnant, you should see your doctor. This way your doctor can recommend safe practices for you to have while trying to conceive. They can recommend foods you should eat and things you should avoid. They can also let you know things that can make it harder to conceive.
Avoid Vitamin A during pregnancy. Some studies have shown that Vitamin A may cause damage to a developing embryo. Avoid foods that have this vitamin, including liver, mozzarella cheese, egg yolks and mangos. You can eat a little, but do not consume vitamin A in bulk.
Try exercise classes that are designed for pregnant women. Staying active is very important during pregnancy but it is also important that you exercise safely. Going to a class that is specifically created for pregnancy means that you will gain all the benefits of the exercise without doing any damage to your growing baby.
Pregnant women want to do everything they can to keep their newborn baby safe. Taking folic acid is very important for a baby’s development and should be taken especially during the first trimester. Folic acid ensures proper brain and spinal cord formation. The recommended dose for pregnant women is a thousand micrograms each day.
It is important to learn how to take care of a newborn. Baby-sitting other people’s toddlers and newborns is a great way to learn this experience. Caring for other people’s newborns not only helps make some money on the side, but also gives you the life skills you need to take care of your own child.
Mom And Baby
Exercising in pregnancy is good for mom and baby. The benefits include decreased risk for gestational diabetes, less complaints of constipation and back pain and a quicker recovery from birth for mom. Stop exercising and see your doctor if you have signs, such as shortness of breath, dizziness, fluid leaking, uterine contractions or vaginal bleeding.
Although being pregnant is a wonderful thing, sometimes it is a little harder to deal with than we would like it to be. Using the tips that were provided here, you should be able to make life a little easier for yourself and for your new baby to be.…
Being a good parent requires more than just fathering or giving birth to a child. Being a good parent means giving your child what they need when they need it. This is true whether their needs are physical or emotional. The tips delineated below will help you to do just that.
If you have multiple children, make sure you’re spending time with each of them separately, as well as in a group. Spending time with each child individually helps you bond with them and gives them a sense of uniqueness. You want your children to know that you love them all equally and that they all deserve time with you.
Remember to reward good behavior with praise and recognition. Children usually hear more reprimands for bad behavior than praise for good behavior and that might become discouraging to them. However, if you praise them for specific good behavior that they have exhibited, their confidence will be lifted, and they will exhibit the good behavior more often.
If your child is afraid of going to bed alone, do not encourage them to come and lie in the bed with you. Make sure that they sleep in their own beds and reassure them that they are safe. You can even assign one of their stuffed animals to be a “bodyguard.”
I know life is hectic, but take the time to play with your children. You don’t have to play their favorite games every time you play, but make sure to balance what you like to do with what they like to do. It will show them compromise, which is an important thing for them to learn.
Don’t keep junk food at home, where it might tempt your young child to eat it or beg you for it. If sweets are not an option, your child will eat something healthier instead. You don’t have to ban them for good, but try to save them for special occasions or holidays.
As a parent one should make sure to set time aside specifically for the family. This is important for maintaining a happy and close family because with our busy lives it is easy to let other outside activities such as sports and work get in the way.
As unfortunate an event it may be, divorces happen all of the time. In order for you, a divorced parent, to hold a good relationship with your college aged and older children you must never get them in the middle of your divorce. This will push them away for you and your ex-spouse.…