Consider buying books which focus on subjects your child is interested in. A truck loving boy may not enjoy a book full of pretty fairy pictures. remember, however, to try to expose your child to different subjects - whilst your truck lover may not come round to fairies, you may be able to interest him/her in dinosaurs.

A common trap to avoid is presumption that price of book is an indication of its quality. There are very many cheap picture books which offer excellent text quality and a great many expensive books which will fail to appeal to toddlers.

Wise selection of books for your toddler can help to foster a love of reading in your child which will last a lifetime.

What is answer to these problems?

Family 1 - Leave these people alone unless you plan to ask their advice.

Family 2 - These are people that need to seek help and stand a chance of becoming a family 1 family. The possible solutions include a debt management company like Consumer Credit Counseling Service. They need to establish a budget and stick to it. If their housing and other expenses are too high, then they need to cut back, even if they have to move. They also need to cut up credit cards and think about consolidating. Depending on how far they are in debt, this could take years.

Family 3 - While their struggle seems useless, there are things that can be done. First, they need to see to it that everything is being done to keep expenses down. The electric bill is a good example. There is federally subsidized housing that only charges a small fee based on your income. Make sure that they are receiving all federal and state benefits that they are entitled. If they are able, they should seek job training or some other means to make their life a little better.

Which family are you? No matter whether your are family 1, 2 or 3, there is hope. The primary thing that must be done is to educate everyone that learning to managing their finances is absolutely for their peace of mind. With vast amount of information on internet providing help, this is possible.

If you are a family 2 or 3 family, "The Complete Budget and Bill Organizer" http://www.homemoneyhelp.com/BBOonline.html can help.