The Avoid Debt Secret

Written by Roger Sorensen

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Living below your means isrepparttar real secret to personal financial success. It also will not come easy. We people like to live as high onrepparttar 151100 hog as we can. However, this doesn’t help us have a surplus each month. You might have to make some difficult decisions to produce a steady supply of surplus money each month. How difficult of decisions? You may have to sell your house and move into a smaller rental. Perhaps you will sell one car, stop eating out except for special occasions, come home from work instead of stopping byrepparttar 151101 bar or even taking on a second job. Be careful ofrepparttar 151102 second job, though. It comes with more taxes, stress and its own set of issues. When you are done reading, I want you to think about what you can do to start creating a surplus this month. What plans are you going to make, and steps you will take to provide a surplus to pay off your debt and begin a regular savings program? After you have thought about them, go talk to your spouse about creating a surplus. When you are done talking, writingrepparttar 151103 surplus creating plan down and hang it on your refrigerator. Ifrepparttar 151104 two of you work together, you will be able to conquer your debts and put your family back on a secure financial footing.

Roger Sorensen is America’s Financial Guide. Learn more at his website – ask and receive answers to your personal finance questions, read his writings, or join the newsletter Money Basics. “How-To Be Debt Free!” is now for sale, read about it today at

Helping Caregivers Get Comfortable Asking For Help

Written by Lois Galloway

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4. Become very aware of your monthly schedule and how others might be able to slip intorepparttar caregiver role and give you a hand. Remember, you must be ready to give them a date, time and duties when they offer assistance to you. Make a list of specific tasks that someone else could handle for you. Perhaps it’s hands on assistance with personal care for your loved one or providing transportation to an appointment or activity, administering medications, helping with housework, doingrepparttar 151072 grocery shopping. You may even want to categorize these tasks so it will be easier to help decide who might berepparttar 151073 best person forrepparttar 151074 job.

It’s very important for you to learn to ask for and accept help when it is offered. Care giving atrepparttar 151075 best of times is certainly more than a ‘one man job’. Realize just how extraordinary you are as a human being and recognize how important you are in caring for your loved one.

Love, honor and value yourself. Remember, by taking good care of your own health and emotions you will in turn be better able to help your loved one and enjoy a happier, less stressful lifestyle.

Lois Galloway is a Professional Coach. Lois is also the founder of Discover Yourself Coaching which specializes in coaching and caring for caregivers. To learn more about how you, as a caregiver can live 97% guilt free, please visit her web site at You can also sign up for the Caregivers Monthly Newsletter.

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