How to be a great parent

How to be a great parent

Being a parent is considered as one of the most rewarding experience. No matter you have a girl or a boy, a teenager or adult you are always supposed to be in touch with them. Of course at your older age your child will take care of you but being a nice parent gives you a responsibility of teaching nurturing and loving them since their birth. Apart from their effort for being a responsible adult in the society it needs your cooperation as well. A parent teaches the difference between right and wrong, make the child feel valued and loved, and give supports when they are striving to fulfill their dream. For a new parent, here are few suggestions. Go through them and try to bring these in your daily life:

Love

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Give them hug and kisses, celebrate their achievement, spend joyful time with them, laugh with them, play with them, clean them and make them look cute and beautiful.If they are adults then make them realize that you love them unconditionally, if they are very successful in their life you love them and if they are unsuccessful you still love them. Love is a thing which binds a tight bond between parents and children and ultimately make them stronger.

Be a role model

Your mother is the first teacher of your life. As you grow you learn the basics of life from your parent. Being a role model is the best way to mould a child’s character. If you are an uneducated businessmen you cannot be Einstein and teach how to be an intelligent fellow in your class. But you can follow Mahatma Gandhi, Mother Teresa, Nelson Mandela etc. to impart values like honesty, hard work, truthfulness to your child.

Meaningful competition

If your child comes second in class then make them compete with the first, because It makes sense, but if you compare your child with your sibling or your neighbor’s child it doesn’t makes sense. Your child may not be mature enough to know the reason why he is not like his neighbor’s child. Also offensive statements like ‘ why are you not like John’ can put him or her into depression.

Do not be an over strict parent

Being an over strict parent can also cause depression. Everybody needs love and for a child home is a place where he or she get love. If you are over strict then obviously you will reduce the love portion which is not healthy.

Do not sink them in love

Why is scolding and sometimes being rude necessary? If you never scold your child then he will never realize the importance and meaning of many things. Sometimes it is a must to scold or to give punishment as such things remains in their mind for a longer time.

Listen to your kids

Listening to your kids make them feel more valuable and it also removes any complex thoughts and misunderstanding between you and him.

Spend time with them

Spend time with your kids, love them, play with them, discuss your daily life with them and also teach them the ups and down of life. There is no substitute for this. If you never spend time with your kid then one day he or she will become distant. At those times you cannot revisit the past and change the things you did, you will only regret everything.

Improve the social skill

hfcgfhcgfcgfcghcgchThere are certain aspects of life which take a long time to understand especially if you are learning them on your own. So share your wisdom, knowledge and experiences with your kid. Make him or her understand things about tolerance, patience, wisdom and their importance. Explain to them about the human thoughts, hidden tricks and tactics which they will use.…

How to Effectively Manage Your Finances

How to Effectively Manage Your Finances

It always seems like there is never enough money to do all the things you need to, want to or try to do. In school, we learn math, but the practical and very human task of managing your personal finances is apparently not a mandatory, or existent course. Instead of a course, here is your practical starter to becoming a manager of your personal finances. Below are tips on how to manage your money:

Debts

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If budgeting is about priorities, then getting rid of debt is paramount. Without having to change your lifestyle and spending habits, you will need to make sure you have the allocated monthly amount to slowly get rid of your debt. If you have debts from multiple sources, it is best to tackle the higher interest rate debts first.

Spending/Budget

Before having a budget, spend a month keeping track of your income and spending. The point of this is to first see how you spend, be it within or way beyond your limits. Be honest with yourself. It is after all your money.What you will need to keep track of is household bills, living costs, financial products (insurance, investments), family and friends (gifts), travel (car costs, public transport) and leisure (holidays, sports, hobbies, restaurants). A good start to this is allocating percentages of your income to all of your expenses i.e. 50-60% on fixed costs, 10% on investments, 5-10% on savings and 20-35% of guilt-free spending. Essentially you want to be spending less money than you are making. It is better to spend less than more or exactly what you have. Spending less or just enough won’t protect you from unforeseen circumstances like family emergencies or damage to personal property.

Future

This means thinking about retirement when you need enough money to live comfortably while you aren’t working and don’t know how long you will live for. But this is also a retainer for personal and family emergencies that can rake up costs at the body shop or hospital. Depending on your income this might vary, but look to have at least a couple months worth of income saved for unforeseen emergencies.

Savings goal

In line with looking ahead, it’s not just about having a lump sum saved for general and unknown rainy days. That is a good start, but you want to have clear goals. Giving yourself financial responsibility in the form of concrete savings goals. These saving goals can help you better prioritize your spending. Once you have your emergency income, setting goals will help create a better picture of all the places your money can go.

Investing in yourself

dghcvghghcghchgghPart of an effective savings goal can be finding ways to invest your money so that it is not all just sitting waiting to be spent. Typically, this could be savings accounts or low-risk investments like GICs and bonds. However, with a little creativity, you can find ways to make extra money through other forms of investments such as upgrading your education/professional skills to receive a higher salary, starting a business (with the internet you can sell and resell just about anything with ease) and so much more.…

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