19 July 2018

Keeping Your Family's Finances In Check



Now, absolutely everyone should focus on their finances and ensure that they are always living within their means - this is a basic requirement for living a debt free life. But when you have a family to support, this responsibility takes on even more importance. After all, your little ones’ quality of life depends massively on your ability to manage your money and make ends meet without sinking into the red. This is why you need to keep your family’s finances in check at all times. Now, there are various different ways to do this, but for now, let’s focus on two simple financial acts that you can take into consideration!


Refinancing Your Vehicle


Sometimes you take out financial agreements that you find yourself regretting at a later date. For many of us, this agreement has something to do with our vehicle. If you find that you’re paying more interest than you think is agreeable on your car finance or auto loan, not to worry. You may be tied into your contract, but there are ways to rectify this situation. Consider a refinance car loan. This will give you the means to pay off your previous finance agreement or loan and start afresh with more favourable interest rates. This will allow you to keep your vehicle while paying out less money in exchange for it in the long run.


Budgeting


Budgeting is a basic process that ensure you always live within your means. First things first, you need to work out how much money you have to work with on a monthly basis. Now, many of us make the mistake of taking our salary and dividing it by twelve to give us our monthly income. But it’s important to bear in mind that the amount that we see written down as our “salary” isn’t necessarily the amount that we have to spend. In order to be fully aware of the amount you take home from your work, you need to work out your total income after tax. Work hand in hand with an accountant in order to be entirely sure of this. Once you know how much you have to work with, you need to cover the essentials. These are the things you couldn’t live without: shelter, food, water, and energy. A means of transport in order to get to and from work can also fall into this bracket. Once you’ve forked out for the essentials, you are left over with your disposable income! This is the amount that you have to play with and what you can use for entertainment, toys, days out, and other experiences. Just make sure to never exceed this amount when you are spending, and you should always remain debt free, it’s as simple as that!

These are just two different financial processes that you can easily engage with. They’ll save you a whole lot of money and help you to remain in the black rather than sinking into debt!











 Disclosure:  This is a contributed post.

 

18 July 2018

Creative Activities for Older Children



Children love to be creative, and while getting messy with paints, play dough and or kinetic sand is great fun for younger children, older children often like something that is more of a challenge. It can sometimes be tricky to find creative activities for older children, as most seem to be aimed at a younger stage. If you are looking for ways to keep older children entertained while allowing them to develop their creative thinking, here are some creative activities to help them do that.


Finger Knitting

Finger knitting is something that is easy to learn the basics of, but there is room to develop your skills to create more complex designs. Lots of things can be made from finger knitting. Think yarn bags, scarves, cute toy creatures, and more. Once learned, finger knitting is a fun activity that can be picked up whenever there’s a need for a little creative time.

Mosaics

Mosaic work is an absorbing creative activity that can feel a little like assembling a puzzle into a decorative pattern or picture. If you have any old crockery, getting older children to break them into small pieces is a fun activity. Make sure they wear gloves and eye protection! On a piece of plywood, they can draw a design in pencil. Then, using glue, add the pieces of tile in the positions of choice. Once the board is covered, a tile grout is applied to finish the look.

Scrapbooking

Scrapbooking is the creation of a book or journal that uses other forms than just the written word. It allows children to keep treasured memories by gluing objects into a scrapbook, such as a ticket stub to remind them of a day out, photos or dried flowers. The pages are decorated using color and paper-craft to create a visual way of preserving special moments and emotions. The best thing about scrapbooking is that it is easy to get started, and it is a way for children and teens to express themselves creatively.

Video Art

Channel, a child’s inner director by letting them learn the basics of video editing. With the rise of YouTubers, viewing home created videos is something that older children will be familiar with. The visual elements of creating videos make it fun! Video editor software can help a child develop skills in creating their own movies, documentaries, or video journals.

Learning to Code

Avid gamers will relish the change at learning how to create their own games. Computer coding is something that is more accessible to children of all ages, and there are apps that make learning how to code a fun activity.

Children of all ages get pleasure out of creativity, so finding activities that appeal to older children is a good way for them to have fun while using their creative thinking skills. Spending time and care to make something, either physical or digital, and then seeing the end results, help children feel a sense of pride in their achievements and sets up a lifelong love of being creative.









Disclosure:  This is a contributed post.
 

13 July 2018

Helmet Safety: Protecting Children from Head Injuries



It may seem like common sense to many, but wearing a helmet is crucial when preventing head injuries in children. Whether its roller skating, bike riding, or skateboarding; it is important to make sure your child is wearing their helmet. Concussions are a cause for concern, especially regarding children. Preventative safety as well as knowing what signs to watch out for are going to help you best protect your child.

Helmet Safety

When selecting a helmet for your child be sure your child tries the helmet on in the store before purchasing one. You will want to purchase a helmet that is not too loose or tight, but rather one that fits snug when fastened. Discuss with your child the importance of wearing their helmet during outside activities such as bike riding and skateboarding. If your child's current helmet is at least 5 years old, it is time to replace it. Even if your child has had no accidents with their current helmet they wear out over time from weathering and UV light.

Concussion Symptoms

If your child may have suffered a possible concussion you will need to know what signs to look for. A temporary loss of consciousness, confusion, headache, feeling of head pressure, nausea, vomiting, and amnesia are just some of the signs that could indicate a possible concussion. Other symptoms in children to watch out for is the inability to be consoled, as well as a lack of eating and drinking. If your child is experiencing any of these symptoms you will need to seek immediate medical attention to diagnose or rule out a concussion.


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