Budget Leftovers

Written by Terry J. Rigg Sr.


It is extremely difficult to setup a budget, especially when you are behind on some of your bills. Even if you can make your regular bills and expenses fit neatly into your budget, what can you do if you don't haverepparttar money to catch up?

I have listed several methods and circumstances below that may help manage setting up your budget and begin to pay those overdue bills. Since there are as many different budgets as there are people that try to set them up, this list may not be all inclusive. It may, however, give you some ideas that will fit your individual problem.

Unless you don't have any income at all, there are a couple of things that should never be late. Your rent or house payment and utilities should be paid first, even atrepparttar 111446 expense of other bills. This is simply a matter of survival.

The first thing you need to do when setting up a budget is to determine how much actual take home income you have. Then determinerepparttar 111447 amount of your normal bills and expenses. The Complete Budget and Bill Organizer http://www.homemoneyhelp.com/BBOonline.html explains this in greater detail and provides forms to put it on paper.

The below methods assume that you have enough money to cover your normal bills and expenses but have some bills that have an amount that is overdue:

When you are setting up your budget and have overdue bills you need to cut your expenses torepparttar 111448 bare bones. This doesn't mean going without food. However, there are many ways to cut back on expenses. You can find hundreds of them by visiting my Budget Stretcher Partner sites listed at http://www.homemoneyhelp.com.

You should always makerepparttar 111449 initial contact torepparttar 111450 company any time you aren't able to pay a bill on time. Once you have your budget setup, see if there is any money left over to start payingrepparttar 111451 amount that is behind. If you do have some money left over, when you contactrepparttar 111452 company, find out if they will accept paying a little extra each month, without penalty, untilrepparttar 111453 overdue amount is paid in full.

Contact a your local Consumer Credit Counseling Service. You can find them in your phone book. They can assist you by contacting your creditors and establishing a payment schedule that will fit your budget.

If your overdue bills are credit cards, consider transferring your balances to either a credit card you already have or can obtain. This will do a couple of things. It will normally lower your monthly payment and it will eliminate your overdue status. Be extremely careful doing this. The credit card companies you paid off will be using every means they have to get you to use their credit cards again. Cut them up and notify repparttar 111454 company to closerepparttar 111455 account.

Teach Children Positive Self-Image Through Fitness

Written by Lynn Bode


Raising a pre-teen or teenage daughter (or son) is not easy and can cause any parent a lot of stress. There’s so much to worry about – dating, drugs, alcohol, sex, school grades, just to name a few. But one crucial element often gets overlooked until it manifests itself in extreme ways (like through an eating disorder). I’m talking about self-image. It’s extremely important that parents ensure that their children have a positive self-image, especially in relation to their body.

The key to ensuring strong self-esteem and a positive body image starts withrepparttar parent. If you don’t feel positive about your self-image, then how can you expect your children to? While this is important for both daughters and sons, it is especially critical for raising a healthy daughter. And beginningrepparttar 111445 lessons when a girl is young is imperative, so don’t wait until it’s too late – teaching your daughter to feel good about her body needs to start at a very young age.

Eating disorder experts say girls are developing eating disorders as young as 5 and 6 years old. And a recent study indicated that 70% ofrepparttar 111446 sixth-grade girls they surveyed said they began worrying about their weight between ages 9 and 11. Why are so many young girls thinking that they are fat? Many are obsessing about their weight because they have parents who are preoccupied with their own poor body images.

Whilerepparttar 111447 statistics are disheartening,repparttar 111448 good news is that there’s a lot that can be done to help our children have positive self-images. And, even small changes that parents make can help. Here are few tips to help your children avoid warped and negative body images:

·Establish a “no diet talk” rule. When your children are nearby, DON’T talk about dieting or how fat you feel! This is extremely important. Remember, kids are listening allrepparttar 111449 time (even when you think that they aren’t – especially then). So, even though asking your spouse or friend “do I look fat in this?” may seem innocent, it can have a life-altering effect on your kids when they repeatedly hear it. ·Parents aren’trepparttar 111450 only adults that influence their children. Setrepparttar 111451 “no diet talk” rule mentioned above for all adults that are around your children. This means you shouldn’t allow your friends, parents, siblings, neighbors, or anyone else to talk about being fat or being on a diet when they are around your children.

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