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Money and Finance

3 Financial Safety Nets for Your Family

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It can be a real drag if you are concerned about your family’s financial future. Money is not the root of satisfaction in life, but money certainly does buy a sense of stability if you have financial resources in the right place. Especially if your family runs into some emergency, it’s imperative that you have some economic backing behind you.

Specifically, you can consider three financial safety nets that your family may be able to use in the event of an economic crash of some sort. If a family member can apply for Social Security disability, that’s a substantial financial benefit. If you make sure that you have appropriate home insurance for your family’s house, that can prevent you from going bankrupt or losing everything if there’s a tragedy where you lose your house to some environmental incident. And what happens if someone in your family gets sick? Do you have health insurance that will keep you from going into severe debt?

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3 Things Every Family Should Have Waiting In The Wings

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Life is an enigma we struggle to find our way through on a day to day basis. Each day, there are over a hundred decisions we make without even thinking and several others that take us days to navigate through. As important as your family is to you, wouldn’t it be nice if some of those decisions were already taken care of and waiting on us, should we need them? There are, at least, three things you can prepare for that will make life a little easier in the long run.

Life Insurance

As hard as it is to fathom, if there is one thing that we are not guaranteed in life, it is our next breath. If you are the sole provider in your home, your death could mean a mountain of debt for those you leave behind. It is a good idea to invest in a great life insurance plan. If possible, invest in one for each member of your family. [Read more…] about 3 Things Every Family Should Have Waiting In The Wings

5 Tips For Buying a New Family Car

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Buying a new car is a big enough deal when you only have to worry about yourself. But when you have to get a new vehicle that for your whole family, it takes on a new dimension of importance. And there are plenty of advertisements for family cars out there, but what you really need, is useable advice.

So, five tips for buying a new family car are going to include that you get your financing straight, look up safety ratings, consider safety add-ons to the mix, consider how you want to incorporate entertainment into the deal, and be sure to make it a group decision if applicable. [Read more…] about 5 Tips For Buying a New Family Car

Late-Life Decisions For Adults and Their Parents

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Sometimes the idea of parenting isn’t just about kids, but also about your parents as well. When your mom and dad get past retirement age and into the ‘elderly’ category, there are a lot of decisions to be made, and the more you can communicate these details with each other early on, the better those decisions are going to be.

couple-making-a-will

To make a point of this, consider living situation arrangements, the process of will-writing, moving financial resources around later in life, end-of-life care (like hospice, for example), and funeral arrangements. All of these can and should be dealt with when you are your parents are still both cognizant of consequences of decisions. [Read more…] about Late-Life Decisions For Adults and Their Parents

Three Ways To Save Money On Your Utility Bills

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Do you feel like you are drowning in bills every month? Between gas, electric, cable, and phones, it’s likely you have a good amount of money slipping out the door each month just living on your own, but if you have a family it could be far worse.

save-on-electric-bill

You don’t have to keep feeling broke every month. There are things that you can do in order to cut back on your utility bills, you just have to be willing to make some cuts here and there. Just remember, that saved money could mean more food, more fun, or simply be saved as a nest egg, just in case. [Read more…] about Three Ways To Save Money On Your Utility Bills

Types of Support Separated Parents Should Provide Their Child

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When parents separate, the children are also most affected. As such, it is a must for both parents to continue to provide support to their kids. This way, the children grow up knowing that they can still count on their mom or dad despite the fact that they no longer live together.

parents discussing child support

Child support or child maintenance (as referred to in the U.K.) is necessary when parents decide to go their separate ways. It is a legal responsibility that will help a child in meeting his or her basic daily needs such as food, clothing and shelter. Also, it will encourage both parents to get involved with the lives of their kids as they are growing. [Read more…] about Types of Support Separated Parents Should Provide Their Child

How Moms Can Earn from Blogging

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Mothers, whether married or not, are strong women who can juggle several responsibilities at the same time. And apart from taking care of their families, they can also accommodate work that will let them earn an income while in the comfort of their homes.

Thanks to the internet, it is now possible for stay-at-home moms to earn a livelihood. Numerous online jobs are available for them these days depending on their skills and interests and one of the most popular is blogging.

mom blogger

Some may already be engaged in blogging as a hobby and this can be a stepping stone to becoming a professional blogger. Meanwhile, those with excellent writing skills have an opportunity as well to pursue a blogging career without having to leave home. [Read more…] about How Moms Can Earn from Blogging

Tips to Teaching Children About Money

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Teaching children about money is an important step in a parents life. How you teach your children about money will stay with them into adulthood and could mean the difference between them be riddled with debt or having a happy future.

There are two basic things that people can do with money, once they have it. They can spend it and they can save it. This lesson is broken into those two categories. Start off by teaching your child how money is made, through work. Then, go on to what they’ll be doing with their hard earned money.

teaching kids to save

Teaching About Spending

Spending money isn’t just about shopping. It’s important that children learn that bills and responsibilities come first, before fun and frivolous spending. This is where you will teach you child about having a checking account, writing checks, and about budgeting. A checking account gives them a place where they can put their money in order to use it. [Read more…] about Tips to Teaching Children About Money