Help Kids Save Money

All adults know that money doesn’t grow on trees, but that’s not necessarily true for kids. Help your kids, grandkids, or other children in your life tuck away their extra nickels and dimes for a rainy day. 1. Bank it. Encourage kids to decorate four separate piggy banks – one each for Saving, Spending, Investing, and Giving – to help teach about setting money-related goals. Investing money will be used for future investments and Giving money can be donated to a charity of the kids’ choice. 2. Offer an allowance. Assuming you are helping your own children save money, provide a small allowance so there is something to put into the piggy banks. Give the allowance in small bills or coins so kids can physically hold and drop equal amounts of cash into each piggy bank. 3. Make goals. If there are certain things kids want to buy, or if they are expected to save a certain amount of money toward larger items such as bikes, explain that they’ll need to use the Saving piggy bank to collect the needed money. And, if they choose not to spend money out of the Spending piggy bank right away, they’ll be able to buy the items they’re saving for faster. 4. Go shopping. When you go to the store, let the kids take their Spending money with them. If they want to buy something, count out change in the store. Feel free to remind them that, if there is something more expensive they’d like to buy, they’ll have to continue to save for it – and they’ll reach their goals faster by moving Spending money into the Saving piggy bank. However, if they want to buy something, that is their choice as this is their money.

Relationship Tips

A happy, healthy relationship with your significant other doesn’t ride on fancy flowers, heart-shaped chocolates, and an annual celebration on your anniversary. In fact, sometimes it’s the small things that mean the most in a relationship with your loved one. Start small with these ideas. Set the smartphone down. Offer your undivided attention with time set aside for the two of you – no phones allowed! Perhaps this is over dinner in the evenings, in the bedroom, or on a once-a-week date night out (or in). Say thank you. Don’t take your partner for granted. Acknowledge and appreciate even the small things like cooking dinner or doing the dishes. Do something he/she likes to do. Embrace your partner’s differences. Next time you choose a movie together or look for a weekend activity, get out of your comfort zone and try something that’s not generally your style. And, the time after that, encourage your partner to do the same.

Stress Relieving Tips

When we’re stressed, we’re less able to focus and we’re doing damage to our overall health. Here are some science-based methods for de-stressing quickly. • Breathe – Stress makes us take short breaths. Concentrate on deep breaths through the nose, exhaling through the mouth, for several minutes to increase oxygen flow and reduce tension. • Pattern Reset – Forcing your brain to focus on something else, such as the repetitive task of doing dishes or knitting, can help get your mind off whatever’s bothering you. • Go for a Walk – Not only will a 10-minute walk physically remove you from any stressful situation, the exercise releases stress-relieving endorphins in your brain. Dancing to your favorite song works, too. • Take an e-Break – We love technology, but it can also cause a huge amount of stress. Turn off your phone or computer to increase your ability to relax, and don’t leave your email inbox open all day. • Have a Snack – It’s important to be mindful about snacking (stress eating is nobody’s friend), but some nibbles can be helpful. Potassium can help modulate blood pressure, which can in turn reduce stress levels, so have a banana. Something like a handful of nuts offers a satisfying crunch and the energy your brain needs to get past the stress.

Strengthen Your Immunity Against Colds & Flu

Don’t let a COLD or FLU get to YOU this season. The human body has many ways to naturally fight infection, but you need to give it all the help you can. Here’s how to boost your immunity and fight off those nasty germs:  Eat healthy food. Load up on fresh fruits and veggies like leafy greens. Avoid sugar because it can interfere with the enzymes you need to boost your immune system.  Supercharge your body. Your body can naturally kill a virus. So spring into action during the first 24 hours to combat illness. Once you feel a few symptoms, start drinking filtered water, broths, and soups with lots of garlic, onions, and spices. Take supplements like echinacea, vitamin C, and elderberry.  Breathe clean air. Avoid smoking, air pollutants, indoor dust, and ash from fireplaces that can irritate the lining of your nose and throat.  Avoid sick people. It sounds obvious, right? But it’s easy to forget. Try not to be in the same room, breathing the same air as someone ill for long. Wash your hands frequently and disinfect everything they touch.  Get a flu shot. The Centers For Disease Control & Prevention recommends that everyone who is at least 6 months old get the seasonal flu vaccine. It protects against 3 flu viruses that research indicates will be most common during the upcoming season.

Find a Healthy Dose of Hope

With a healthy dose of hope, people can power through stress, feel empowered to chase their dreams, and find a beacon of light when the going gets tough. Research has shown that hopeful patients heal faster and hopeful employees are more satisfied with their jobs. Conversely, people who aren’t hopeful often feel sluggish and have little motivation and energy. So how can you amp up the hope in your life? Read on! Seek mastery: Obtaining mastery provides a sense of empowerment and purpose, instilling a sense of hope. Expand your skill set by imagining what you want to achieve and make plans to reach those goals. Write down steps you need to follow to get the results you seek. Find role models: If you suffer from a sense of hopelessness, find people who have overcome similar situations to yours. Learn from their experiences. Surround yourself with others who can help you through particularly trying times. If you don’t know anyone personally, check projecthopeexchange.com for support. Evaluate options: Feeling trapped can stifle hope. During those times when you feel stuck, think about how you’ve handled similar situations in the past or how similar strategies from different situations can help you with this particular issue. Make a plan…even a few steps you can take right now can give you something concrete to focus on. Give hope to others: Perform small acts of kindness. By doing so, you offer hope to others, and this can help boost your mood and outlook on life … and increase your feelings of hope in the process. The positive effects of acts of kindness build on each other, so make this a part of your daily routine instead of following a one-and-done approach.

Travel Complaints

Have a bad travel experience? Follow these tips to make your complaint heard: DON’T…  Relate every little thing that went wrong. You’ll sound like a whiner and the travel company won’t know which point to address. Just hit the “high” points that are most important to you.  Tell them a sob story. It’s unfortunate that you’re on a fixed income and you need the refund, but so are lots of other travelers.  Copy everyone in the world, including the CEO, the Better Business Bureau and your grandmother.  Threaten to sue or never to do business with the company again. A) Your letter may end up in the Legal Department; B) you don’t want to be labeled as a “difficult” customer; and C) you may have to use them again (for example, your family wants to take that cruise line). DO… • Put your complaint in writing, whether by email or letter, but keep it short and professional, without rage. Take the high road and tell them you’re looking for reasons to do business with them again. • Include any documentation. List exact times, places, names and dates. You’d be surprised how many people forget the most relevant details. • Give the system time to work. You may have to write a second letter or email if you don’t get a response in a reasonable period of time. But if you were legitimately disserviced, the airline or travel company will take you seriously and want to make it right.

Bring Serenity To Your Home

Our homes should be our sanctuaries year-round – a place in which to escape, recharge, and reenergize for whatever may come our way. Discover a few ways to bring serenity to your home, without breaking the bank: • “A place for everything, and everything in its place” isn’t just a saying, but a way of living. Reducing clutter in your home alleviates anxiety, helps you sleep better, and encourages a happier environment. • Carve out some space for a reading nook, whether it’s a comfy chair tucked into a corner, a window seat with fluffy pillows, or a chaise with a throw blanket for a warming embrace. Flip on a nearby lamp and you’re ready to dive into the latest novel for some quiet “you” time. • Bring the outdoors in with fresh flowers, potted plants, or an armful of tree limbs loosely arranged in a tall vase. Glimpsing these bits of nature within your home will boost your mood, reduce stress, and make for a healthier, happier you.