Smarter Ways To Protect Your Personal Finances

 

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It’s more important than ever to protect your personal finances in these uncertain times. Whether you earn a decent salary or minimum wage, bad financial habits always lead down the same dangerous road. On the other hand, no matter how much or how little you earn, there’s always a way to ensure you have a healthy and secure financial future if you just plan and protect your money. Taking steps to safeguard your finances before you spend them is the best way to avoid making rash and fiscally irresponsible decisions.

It’s time to make a financial plan of action. You need to think not only about what you’re going to do with your money today but what you’re going to do with it tomorrow. You most likely have a family to think about and your money needs to go some way to improve their lives. Here are some smarter ways in which you could protect your personal finances so as to ensure that you and your family members have a happier present and future.

 

Plan your expenditures.

The best way to protect your personal finances is the plan your expenditures. As mentioned in the introduction, you could avoid all manner of financial trouble by simply planning ahead when it comes to money. Look before you leap, in other words. If you want to avoid having to borrow money to make ends meet then you need to find ways to avoid overspending in the first place. If you can spend less than you earn then you won’t have to accumulate debt. Calculate your necessary expenditures so that you know how much of your earnings you need to put aside to cover those on a weekly or monthly basis. Once you’ve done that, you’ll be able to plan the rest of your expenditures (even the non-essentials) based on your remaining income.

Of course, it isn’t always enough to make a budget. Sometimes, you’ll still come up short when you’re trying to afford the bare essentials. But cutting down on luxury expenditures isn’t the only way to save money – you can save money on necessities too. Whilst you shouldn’t cut corners and start eating less or abstaining from using heating in your house, you can do a lot to reduce your costs when it comes to the important things in life. You can reduce your electricity usage by using energy-efficient appliances and insulating your home, for example. As for the weekly grocery shop, you could reduce the amount of things you buy from the store by becoming self-sufficient. You could grow your own fruit and vegetables in the garden so that you don’t have to spend a thing on the healthy essentials. The point is that you can save money by reducing the amount you spend on non-essentials but you can also reduce the amount you spend on the essentials without having to sacrifice anything.

 

Improve your health.

If you really want to save money then you should improve your health. Living healthily will help you to avoid medical bills. Heart problems can be avoided by eating well and avoiding smoking, liver problems can be avoided by reducing alcohol consumption, and dental problems can be avoided by brushing well and flossing. These are just a few examples. Still, we can’t always see health problems coming. Sometimes, no matter how healthy a life you lead, unexpected situations can arise.

And if you find yourself in an accident then the injury or illness itself is only part of the problem. You have the struggle of the medical bill to pay too. You might want to look into professionals who can give you help with medical malpractice if you feel that you’ve faced medical costs despite an error taking place whilst you were being cared for (or someone you love). The smartest way to protect your personal finances is to ensure you get the justice you deserve.

 

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Put some of your earnings aside.

Finally, if you want to be smarter with your personal finances then you need to learn to put some of your earnings aside on a regular basis. You need to pay yourself first. The best way to do this is to set up a standing order that automatically transfers a small portion of your earnings to your savings account shortly after you receive each paycheck. This will help you to avoid spending all your excess cash before you can put it aside for emergencies, the future of your children, and your retirement fund.

Add Warmth To Your Home This Winter

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Winter is now upon us, and at this time of year many people want to add warmth to their home – often in the form of soft cosy fabrics that transforms the interior from feeling like a cold house into a warm and inviting home that makes them feel cosy and protected from the bad weather.  There is, of course, a balance in terms of saving energy, as energy bills can spiral out of control at this time of year.

This article therefore explores four simple things you can do this winter to ensure your house feels cosy throughout winter, from an aesthetic perspective, that doesn’t involve increasing your thermostat.

CHOOSE YOUR COLOURS CAREFULLY

If you want to add a feeling of warmth and cosiness to your home, then you need to choose warm colours, such as those associated with fire.  The reds, yellows, oranges, and certain shades of purple bring instant warmth – whereas cooling colours such as blues and greens take warmth away.

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Baby Fears and How to Handle Them Like a Confident Parent

Raising a family can be stressful and difficult. One of the biggest problems that we typically face is that we’re scared. We’re scared of every little thing that our baby does or doesn’t do and it can cause undue stress that will completely change your mood. Whether it’s a baby that is constantly crying that you have trouble stopping or the fear that an accident will happen when you leave the house, we’ve put together some of the most common baby fears and how you can get over them.

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Fears of leaving your own home

 

Raising a child in the city comes with many different fears. Parents are naturally protective of their children and even when they’re slightly older, we still don’t trust them to walk outside alone especially when there is traffic, crime and other problems that could cause harm to our children. To make things worse, there’s always the possibility of nasty germs floating around in the air that could potentially make your child fall ill.

 

However, you need to remember that staying indoors is no good for either you or your child.

 

Babies love the great outdoors because it allows them to see and experience new things. Germs are a legitimate concern, but keep in mind that if you shelter your child indoor for long periods of time they won’t be exposed to colds and viruses. While this sounds like a bad idea, you have to remember that our immune system builds itself up over time as we’re exposed to different illnesses. Yes, no parent likes to see their child getting sick, but it’s a natural part of growing up and becoming an adult that your child will eventually need to go through if you want them to be healthy.

 

Fears of leaving your child alone to sleep

 

No one likes to leave their child in a separate room or keep them in their cot. Parents want to watch over their children all the time so that in the event something does go wrong, we can be there to make things better. While it’s completely practical to always watch over your child, there will be times when you need to step out or where you’ll be distracted.

 

Thankfully, there are many different baby monitors that will help to alleviate the stress of leaving your child alone. For example, you may want to take a look at an Owlet Smart Sock 2 baby monitor review for a baby monitor that can be worn as a sock. These advanced pieces of technology are fantastic because they can measure vital signs in addition to warning you if something happens. It’s the perfect device for worried parents and it can greatly increase your peace of mind.

 

Of course, there are also cameras and other baby monitoring devices that will put your mind at ease. It’s important to take a look around to see what works for you. Keep in mind that many of these devices can get incredibly expensive, especially if they hook up to your home network so you can monitor your child even when you’re outside doing the gardening or leaving your child in the care of a family member.

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Furry Friend Fitness: Keeping Your Pet In Shape

 

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Looking after a pet is much more than simply enjoying the company of an animal which will always be loyal to you. When you take on this responsibility, you also commit to something almost as important as having a child of your own. They will rely on you in every aspect of their life, with areas like fitness and health being completely at your hands, but you’re not alone, and you don’t have to struggle. To help you out, this post will be exploring some of the key areas of pet fitness, and the ways that you can achieve them for your creature.


Exercise:
Keeping any animal in good shape will take at least some exercise. Some animals, like fish, don’t need this help, as they will do it on their own. Birds, reptiles, and mammals, though, might need some persuasion. Each species will have a unique set of acceptable exercises which you will find easy to perform. To find out about them, you’ll have to do some research for the particular pet you have.


Health:
Next, it’s time to think about health, and how you’ll keep your animal on top of their game in it. A big part of this is routine, and regular usage of options like Heartgard for dogs or an alternative for your pet can give them a huge boost. Along with this, though, most pets should also go for regular vet checkups to make sure that they don’t have anything going wrong which you can’t see. [Read more…]

The Secret to Earning Respect at Work

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You know what they say: respect is something that is earned. This is especially the case when it comes to the workplace. Once you earn respect, you will have a greater voice. Your ideas will be heard, and you will have the platform to flourish. But first, you need to earn this respect. How do you do so? Read on to discover some top tips to help you get started.

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Top Reasons Why You Should Get a Dog for your Kids

If you are considering getting a dog then you’ll have a lot to think about. After all, you have to think about whether or not getting a dog is right for you and you also have to think about what breed of dog you want. Of course, a dog isn’t right for everyone and if you are not ready to give one a home then you need to make sure that you do everything you can to accept this and not get one anyway in hopes that it will change things.

Responsibility and Care

If you are worried about getting a dog because you don’t always want the responsibility of walking it or even grooming it then you can get your kids involved. It’s important for your kids to learn how important it is to walk the dog and even feed it on time. This is the ideal way for you to teach your kids about responsibility and it is also the best way for you to show them that they do in fact have responsibilities and that their responsibilities are theirs to bear. A dog can also help a child to feel grounded and it can also help them to take initiative as well, showing them that another living thing actually depends on them.

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Dogs are Great for Parents who have an Only Child

If you are not planning on having more than one child then you should consider getting them a dog. There have been a lot of studies done that show that children feel less lonely when they have a dog and in some instances they even view their pet as a sibling. Some children even learn how to share their parent’s time between the dog and themselves and they also learn how to respect another living thing. This is a great and valuable life lesson and it is the best way for you to teach your child, from a young age, how important it is to be considerate of other living things.

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Great Benefits of Dogs and Children Growing Up Together

Most children are going to love dogs; they are cute, cuddly, and fun. But there are many reasons why growing up with a dog can actually benefit a child, or a family in general, as a result. Both physically and psychologically, a dog can be a massive help at home. If you’re not convinced, then take a look at a few of the many ways that a dog could help in your home.

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Always Have Companionship

Growing up isn’t always easy. But having the consistency of always knowing your dog is at home, can be reassuring to children as they grow up. Having a dog to play with and cuddle can be a great way to feel comforted as a child, especially if they’ve had a hard day at school or there are issues in the family. Having a pet can help them to relax and it has even been shown to relieve stress.

 

Be More Active

There are some pets that are really low-maintenance. They need food, cleaning occasionally, and then you just leave them be. So while a pet like that may be appealing, it isn’t a pet that is going to encourage your children to be particularly active. So if you want to get them off the computer or consoles from time to time, then having a dog that needs to be walked is a good way to do it. The time spent outdoors with the pet dog can be fun, and will get them in a healthy routine that will set them up for life.

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Give Yourself The Gift Of Time For Your Wellbeing

Sometimes, all you need is an hour to get away from it all, clear your head, and feel human again. Sometimes it can take longer! Of course, it’s important to make the most of any time you might have to yourself to maximize every moment. So make a plan, commit to the activity, and indulge for the good of you:

 

An Hour In The Bath

Not everyone is a soaker, so you might need a little incentive to stay in the water for this long. Add a bubbly jet spa, some tunes or a bathroom TV, and you can switch off completely for a full hour. The bubbles can gently pummel the muscles, easing away the stresses of the day. The water soaks and cleanses the skin to give you that wonderfully fresh and soft sensation. Now you just need to find the motivation to get out of the tub again.

 

An Hour In School

It’s not always about those little indulgences that help the skin or hair feel glorious. Occasionally it can be worth giving the brain a little stretch and workout too. You don’t have to sign up for formal qualifications. But adding a short course or two to your resume might even do your career some good. Why not choose something fun like cookery or paper folding? Pick a class, or sign up for something that will give your skill set a big boost.

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An Hour At The Gym

Ordinarily, most of us have a great excuse for avoiding the gym. Kids, careers, and housework can all get in the way of most things in life. It is, however, worth checking out some of the activities that are on at your local gym. They’re designed to be fun and engaging as well as benefiting your fitness. Why not schedule a class with a friend or two so you can make it into a social event. Your body and your physical well being will thank you for it. No doubt your friends will appreciate the motivating factor of having you there to spur them on.

 

An Hour With A Good Book

When was the last time you sat down and read more than a chapter? Perhaps you’ve forgotten who the main characters are or maybe just lost the plot! Fiction writing is good for the imagination and helps to sooth us emotionally as it offers an escape. Joining a book club can often encourage us to put in the time for some reading. You can head to a library and pick something from the shelf. Or maybe you’ve seen a review and fancied checking out a best seller?

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An hour of reading might not seem much, and it certainly won’t get you through a whole book. But if you can take some time out for a chapter or two each day or each evening, you’ll soon get to the end. Have you missed reading?

 

An Hour To Tell A Story

If you see a counselor or therapist, the timer is often set for an hour. You’re not likely to be doing all the talking during that time, but you are probably focusing on you quite a lot! If you need this time to work through complex life issues, why not book an appointment? Some types of therapy work quite well over the phone or on Skype too. Of course, if all you need is to bend an ear for a while, then why not phone a good friend or a family member? Tell your story, get your frustrations heard, and feel much better at the end of the hour.

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Raising A Family In A City – What To Know

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Raising a family in a city can be pretty difficult. Of course, it all depends on your point of view, but sometimes city living can be an overwhelming place for children to inhabit. Sometimes though, your job, family connections and many other variables can mean that this is the best course of action. After all, some people thrive in urban environments, whereas other people prefer the rural form of childhood. If you raise children, no matter where, they deserve to be given a certain degree of care to keep them active and happy. If you’re able to provide this, you can seriously work wonders in helping them develop and feel comfortable in this big and complex world.

Here are some tips:

 

Keep Safety As Top Priority

While danger is everywhere, in a city it’s much more pronounced. This means you should focus on highlighting safety, and making sure your children understand this. If they are at the age where they can exercise a little autonomy over their afterschool and commuting schedule, then you should sit them down and have a heart to heart safety chat with them.

They should be completely aware of how to deal with people, how to walk in groups at all times when outside, and how to be completely suspicious of anyone who unwarrantedly approaches them. In a city, it’s much wiser to accompany your child until the later ages of thirteen to fourteen. They might not like it, but anything goes in a city, and this can be tremendously worrying for you knowing your children are out there.

You should also focus on the safety of your property. Use CCTV, strong window bars, multiple locks and home security alarm systems. These will contribute to keeping people outside of your home in the event that someone untoward tries to gain access.

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How Much Is Your Dog Costing You?

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If you own a pooch, you will already know that they can be very expensive to keep and look after. But are you aware of how much your dog is actually costing you? Here’s a rundown of some of the major costs and what you can do to keep them as low as possible.

 

Spaying Or Neutering – $200

One of the initial costs that many pet owners face is getting the animal spayed or neutered. This is really important as it can calm down most male dogs and also prevents female bitches from becoming pregnant. If your dog ends up pregnant then you will have to face a lot bigger vet bills and you will also have to care for a litter of puppies further down the line. And that is certainly something that you don’t want to be faced with! Don’t worry if this initial amount to get your dog spayed or neutered seems excessively high – there are things you can do to help make this cost easier to manage. First of all, you might want to find out how to get rid of debt to ease your current financial situation. As well as that, it’s worth seeing if there are any pe charities in your local area who can help with the cost of vet bills.

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Dog Training – $100

If you have a puppy or a very young dog then you will need to take it to a few training courses so that it can socialize with other dogs and learns good behavior. This isn’t particularly cheap, though, and it could easily set you back a hundred dollars or so. Can’t really afford that? Don’t worry – you can have a go at training your pup yourself. It might not be as hard as you would have thought! You should be able to train your dog to do simple tricks in the garden. There are quite a few good YouTube videos you’ll be able to use to help you do this. It’s also a good idea to take your pup to the local dog park as well so that it can meet other dogs and get used to being around them. If a dog isn’t socialized enough as a puppy, then they could grow up to become quite aggressive around other dogs.

 

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