Showing posts with label tips. Show all posts
Showing posts with label tips. Show all posts

Saturday, August 24, 2019

Seven Eco-Friendly Finance Tips for Low-Income Earners

If you are a low earner and think that you cannot help the environment at all due to that, you’re wrong. You might even be in the perfect position to act in an environmentally responsible way - reducing your carbon footprint while keeping more money in your pocket. Since you are working with a smaller budget, you can more easily avoid temptations.


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Let’s go over some tips for low-income earners that enable you to be more eco-friendly every single day.

* Pay Your Bills via Your Bank – Set up your bank account to have e-billing. This is free for most bank accounts, whether it’s a credit union or a bank account. Even locally owned banks offer this service free today. By setting up your bills to be paid digitally, you will reduce the consumption of trees and fuel and save yourself a lot of time and money. It takes time to write out checks, and it also costs money.

* Buy Second Hand – When you choose to buy second hand instead of something new, you are not adding anything to your carbon footprint. Plus, you can save money. Do be very careful about some second-hand stores, though; check the pricing and don’t be afraid to make a fairer offer.

* Stop Using Paper – In your home, you likely use a lot of paper: printing out things on the printer, using paper towels, and so forth. Buy some old clothes from the thrift store and use them instead of paper towels. Try to read things on your screens instead of printing. Did you know it cost about an average of a dollar a page to print at home compared to 20 cents if you go to OfficeMax?

* Cook from Scratch – Yes, it’s quick to go to a fast-food place, but it’s cheaper and better for the environment if you eat at home. Cooking doesn’t have to take a long time if you plan recipes that use fewer ingredients and have less prep time. You’ll use less money, and you’ll also use a lot less carbon to get it done.

* Eat Less Meat – You really don’t need as much meat-based protein as commercials and the low-carb movement would have you believe. Plus, meat is expensive in more ways than what it costs at the supermarket. Over 70 percent of the destruction of the Amazon rainforests is due to raising cows for meat, and those emissions are higher than other types of meat or plant food.

* Start a Garden – This is one of the best things you can do for yourself as a low-income earner. When you grow your own food, you can eventually, once you learn, practically have a free meal every day. That’s both a carbon and a cash saver.

* Change Your Light Bulbs – It is expensive to buy the LED bulbs over the incandescent bulbs, that is true. But the LED bulbs, if you buy a good name brand, will last years as compared to months. That is both a money-saver and a time-saver. Just replace one light in one room a month for incredible savings.

Finally, don’t get sucked into using credit. Credit can turn you into a high-end consumer even if you’re a low-income earner, and then you’ll never get off the treadmill of working and paying bills. But if you’re careful, live within your means and use these tips (as well as the ones your momma taught you about unplugging things and turning off lights when you leave a room), you’ll start collecting pennies that will soon become dollars in your savings account.



Martin van Dijk 

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Thursday, August 15, 2019

8 Tips on Talking to Your Daughter about Puberty

 The transition to adulthood

It can be stressful talking to your daughter(s) about puberty, but the truth is, it doesn’t have to be. Everyone goes through puberty. It’s a healthy and exciting part about growing up and should be treated as such. Talking to your daughter about puberty can stop her being frightened about what is happening to her body. If you want your girl to transition to adulthood smoothly, unafraid open communication is imperative.

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Talk about It All the Time


Don’t wait for a certain age to have the talk with your daughter. Waiting until she gets her period is going to make for a scary experience for her. Instead, start from the moment she starts talking and asking questions, by bringing up the topic or pointing out things that are happening from a young age.

Keep Some Things Private


For some things, it’s okay to explain that it must be private between you and her or her doctor. Explain how some people get nervous about the topic, so keeping some things private can make it easier.

Answer Questions When Asked Directly


When your child asks a question, always to answer it directly and honestly. You can use the right words that she’ll understand at her age, but it’s best to be direct and use scientific words rather than pet names or silly words.

Create an Open-Door Policy


Let your daughter know that she can come to you any time with any questions. It also helps to suggest other adults that you know and trusts, such as your doctor, an aunt, or their opposite-sex parent, because it’s always good to have more support than less.

Try a Book to Guide You Both


If you are nervous and struggling (and even if you aren’t), it can help to find a good scientific book that is designed for a teenage girl’s knowledge. This will help you both because it’ll go over it all. Let her read it and then ask questions whenever she wants.

Talk without Judgement


When you talk about issues, it’s imperative that you avoid casting judgment on things. For example, what if you said something derogatory about homosexuality and your child is homosexual or transsexual? What if something has happened to them that they didn’t have words for until you talked to them? Will they ever tell you now?

Be Honest


It’s good to be open and honest about how you think of things and why. However, it’s also okay to acknowledge that your teenage daughter may have different ideas about her own life. You can make household rules, but let her be honest too by withholding judgment even if you state you disagree.

Help Her Prepare


Make a period kit together; redecorate her room. Do everything you can to help her prepare for this exciting time in a positive and upbeat way. She’ll thank you for it someday.

Talking about puberty will get more comfortable if you start as soon as your daughter asks questions. You’ll have many opportunities, such as during TV shows, movies, and life events, to bring these issues into normal daily
conversation. That way, you take out the scary parts by making it normal to talk about puberty in everyday life.


Martin van Dijk 

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