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 …
Teaching Children Respect
It is always with astonishment that I see parents bully and belittle their children and then complain that those same children are hateful or disrespectful!
Honestly, how loving and respectful can a child feel about someone who constantly criticizes and frightens them? What must it be like for a little kid to be yelled at constantly? I wonder how it must feel to have Mom or Dad, the most important people in your life, always demanding that you DO something, eat right now – or else! Go to sleep this instant! Can you imagine always being threatened …