Below you will see a great tip of long term money goals
Name your Goals: Many people don’t know how much it would take to reach their goals. So start by make each one spacific and measurable and attach a deadline. For example I want to buy a house within five year then fill in the blanks. Look at housing prices in your ideal area and work backward from the down payment. This give you a number an amount you need to save monthly to fulfill your five year plan. If the monthly saving goal does not seem doable, you may need to look at the variables. Do your really need a house that size? Is the neighborhood critical? Adjust for reality. You may need to add a year and subtract a bedroom.
Tailor and Target Savings: Most of us are saving for a few things at once forexample retirement, college, emergencies. Some saving account allow you to create goal buckets which make it easier to automatically put money towards each priority. Saving for emergencies is trickly because it’s so vague. I have clients think through emergency situations to make it more concrete. The obvious one is loss of a job. How much money would you need per month to feel comfortable. Keeping in mind that emergenc spending is not the same as regular spending? You will eliminate frills like dining out for example. The rule you may have to heard to set aside three month’s salary is not necessarily right for everyone.
Do a values exercise: Ask yourself what really matters to you. Understanding what you most want out of life helps you create financial goals. You are motivated to stick with and follow through on what it takes to reach them. Typically people finds that they are overspending in areas that are not even important to them. Let’s say you discover that you value traveling and time with friends most highly. That’s where your money should go. Maybe you are paying for convenience. Ordering luch at work and eating alone at your desk when you would be happier long term if you brought a bag lunch and put the money you saved toward a trip with pals.
Assert Yourself: Get in the habit of asking for what you want. Instead of telling friends. I don’t care where we go for dinner, offer an idea that makes financial sense for you. People often worry, needlessly that they will be seen as lame for making smart choices. Get over that you can practice assertiveness in other arenas at work and when dealing with merchants.
Personalize your Approach to Debt: The issue of whether to prioritize saving or paying down deby is an individual one. Killing high interest debt as soon as possible of course make sense. But for some people erasing the smallest debts first helps build momentum. And there’s an emotional component to certain debt. You migh find it easier to reach goals when you get the people close to you involved if you and your friend tackle debts and share goals and accomplishments it can be like having a workout partner to keep you motivated and accountable.
Below you will see a greate tips for finding a new friend for your kids
When a group has truly caused pain or formally ousted your child your child may have no choice but to leave it behind and seek out new friends. If your child feeling intimidated, you have to talk with your child about trying to make juse one new friend rather than entering a whole new clique. Think about it. There’s world of difference between eating lunch alone and eating lunch across from some one else. Having additional friends is great but children are much less lonely when they have even one supportive friend. It’s untilmately up to your child to find this new buddy or buddies, but you can lay the groundwork. Nudge your child toward a club, a sport, a volunteer activity or even an after school job where your child can meet peers with similar interests. Take heart in the knowledge that this lonely state is not forever.
Adult cliques are everywhere and while these grown up grouping usually are not as curel as younger lterations, they can still leave people feeling hurt. Here are three ways to deal the tendency.
Make small talk: If you sit with the same moms at every soccer game you may send the message that you are not interested in getting to know other parents whether or not that’s true. So why not invite someone on the bleaches below into a conversation? Offer a casual opening like “I don’t know.” What do you think?, Wendy? or strike up a conversation after the game in the parking lot. It will be quick and painless.
Be thoughtful: You don’t have to be best buds with every woman in the office but you do have to be nice. If you go on a latte run consider bringing back a drink for a coworker who’s out of your circle.
Resist Gossip: It’s hurtful to the targeted party and it also reflects negatively on you. Gossip often to leaves a residue of doubt, uncertainty and insecurity. The next you you are tempted to gossip, imagine your child sitting next to you and think of the example you would like to set.
During middle school there are 2 type of dominant kids typically emerge. One who is positive and fun to be around and another who is influential but also manipulative. If your child hangs out with a manipulative leader, your kid may feel demeaned fairly frequently. What helps? By emphasizing the important of thinking for herself and being her own person not merely the sidekick of a bossy pal. Have a conversations about when it’s ok to give and when it’s not. For example it’s fine to let the group’s leader decide which movie to watch if you don;t care but it’s not ok for the queen bee to determine on how own who’s invited to go to the movie. If you happen to have a child who’s the leader of her clique which you can help her cultivate empathy by refularly asking her how her friend are feeling and doing.
Your child may see ejection from a friend group as the worst thing that ever happened to your kids and your kids might be right. For some kids it can be more painful than being rejected by a crush because that pain involves only one person. When you are pushed out of a clique, that’s an entire group of people who do not value you, care about you or want to hang out with you. From the research show that exclusion triggers activity in the same part of the brain that controls physical pain. What can you do to take your child grief seriously. Resist the urge to downplay it, even though you know clique trouble is a universal experience and we pretty much all survive. If the situation seems to demant it ask teachers for help in making sure the exclusion is not overt or cruel them keep an eye out for bullying and name calling. At home, listen to your child’s daily recaps. If your child willing to share and empathize. Tell your child to understand why you would be. But don’t go that extra step of disparaging or belittling other kids. As much as it may feel good to both of you in the moment. It sets the wrong example and could make reconciliation difficult for your child later.
To help make the next day at school and the day after that and so on. Feel surmountable child if your child would like to talk through hypothetical social scenarios. If there’s potential for your child to patch things up or make amends, discuss the reasons for the exclusion in the first place. Often it involves a member of the opposite sex especially in adolescence or just sheer jealousy. Encourage your kids to talk to the person with whome there’s real problem.