Sound Advice For Managing Your Personal Finances (2)

Sound Advice For Managing Your Personal Finances

It is essential that every individual knows how to properly manage his or her personal finances. If a person does not know the right way to manage their money, it is very easy for them to fall into debt and potentially lose everything. This article contains a number of personal finance tips to help people manage their money.

Make sure to keep track of every single expense when you write a check or use a debit card. Keeping track of what’s in your bank account can help, as sometimes a payment can be taken out and it won’t be reflected in your bank account until much later. Keep track of your finances and avoid those pesky overdraft fees!

Talk to friends about your financial situation. This way, you won’t feel badly when they invite you out and you can’t afford it. If you don’t tell people why you can’t buy that gift, or take that trip, or go to the mall, your friends may think it’s something they’ve done. Keep your friends, just let them know what is going on in your life.

A great personal finance tip is to make sure you buy appliances that will help you save energy. Appliances that can help you save energy usually have an Energy Star sticker on them. Purchasing these appliances can go a long way in helping you save money by reducing energy.

If you are engaged to be married, consider protecting your finances … Read more...

A Chance for a Home

A Chance for a Home

“He is happiest, be he king or peasant, who finds peace in his home.” – Johann von Goethe
Home. Family. Backyard cookouts. A table laden with more than we can eat on Thanksgiving day. These things around us, offer us stability, and give us an environment where we can learn, explore, grow, and even self-actualize.
Yet for 210 million children, these basic human needs will never be met because most of these children will come of age in an institution, never knowing a family, never experiencing the warmth, joy, and acceptance of a home environment.
These children are orphans. And for them, finding a family is like winning a lottery. It is a dream come true, when all the pieces fall together and home becomes a reality.
Those who never find the home face hurdles and burdens that no child should bare. They face years of loneliness and despair. Many fail to thrive in their institutions, most experience developmental/language delays and grow slowly. A general rule of thumb, children raised in orphanages lose approximately 1 month of linear growth for every 3 months in orphanage care.
The good news is that many of these children will make a complete recovery after adoption. Within just a few years, some of them will have caught up physically, mentally, and emotionally to their home-grown counterparts. Others progress more slowly but they all progress given the right environment.
Many warm, loving families want to bring these wonderful kids into … Read more...