Fixing Your Financial Health Isn't Easy But It Is Possible

**Some of the links in this post are affiliate links, meaning, at no additional cost to you, I will earn a commission if you choose to make a purchase.

Are you worried about your financial health? If so, then you need to ensure that you are making the right decisions. It’s important to get on top of your finances because if you don’t do this it’s common for the situation to take a dire turn. Here are our recommendations in terms of what you should be doing. 


Pexels Source CCO Licensex


Be Honest


If you want to fix your financial issues, the first thing that you need to do is start being honest with yourself. You’re never going to fix your finances unless you can admit that there is actually a problem. This is quite difficult for some people to do because avoiding the issue allows you to live beyond your means and access a better quality of life which is often great fun. However, it’s never long before you realize that things are getting a little too dicey and you need to act. 


Clear The Debt 


Once you have admitted that there is an issue that needs to be resolved you have to think about how to clear your debt once and for all. There are numerous ways to do this. If you’re wondering how to pay off debt, then you’re already going to be on the right track here. You just need to think about how much debt you’re dealing with because this is going to determine the right path to follow. For instance, you could have limited levels of personal debt. If that’s the case, setting a budget could clear it up completely. Alternatively, it’s possible that you have debt from multiple creditors. If that’s the case, you should think about a debt consolidation loan instead. 


Set A Budget


If you choose to, you can set a budget. Setting a budget will allow you to take control of your financial situation. It will ensure that you’re no longer being controlled by your money. To set a budget, you need to calculate all your incoming costs and then subtract any bills that you have. By doing so, you will be able to guarantee that you know exactly how much you are spending and how much you have leftover to play with each month. It can be tricky at first to live on a budget but once you get used to it, it can be very freeing. You’ll no longer have to worry that every decision you make is pushing you further towards higher levels of debt. 


Build More Income Opportunities


Finally, you need to think about how to expand your income. There are lots of ways to do this. However, ideally, you should be looking at both side hustles and passive incomes. These choices are going to help guarantee that you can boost your income without it eating into your spare time. In terms of passive income options, you might want to consider investment opportunities. There are lots of investments that could be right for you. Penny stocks are a great idea because they come with low levels of risk and a high chance of success. 





signature-fonts

Supporting Your Child Through Life Changing Events

**Some of the links in this post are affiliate links, meaning, at no additional cost to you, I will earn a commission if you choose to make a purchase.

When it comes to childhood, we like to think of it being a time of fun and carefree days and nothing untoward that will ruin that. As magical as we want childhood to be for our children, things don't always pan out the way we want them to. It is a sad reality that at some point children may experience the kind of issues that even adults struggle to process and deal with effectively.

Fun Ways to Strengthen Family Bonds

**Some of the links in this post are affiliate links, meaning, at no additional cost to you, I will earn a commission if you choose to make a purchase.


Pixabay - CCO Licence


When you’re a parent, one of the most important things you can do is build a strong bond with your children and ensure that they have strong bonds with all of their family - the more loving people a child has around them the better! 


For most people, bonding comes pretty naturally, but it is still a good idea to take the time to strengthen and solidify those bonds on a regular basis. Here are a few ways you can do that:


Tell personal stories


Kids love hearing personal stories about their parents, grandparents and aunts and uncles from the past. They enjoy hearing what their adult family members did when they too were young and care-free, and it’s a great way to show them that as well as being mom or dad you are a person in your own right. Sharing your past ‘secrets’ with them can also make them feel special and help to build a stronger connection between you. Just make sure your stories are appropriate!


Book a family photo session


What could be more fun than gathering everyone together for a family photo session? A good family photographer will know how to make the process lots of fun with jokes and a few well-placed props and you’ll get to show just how much you love each other not only in the moment but captured forever in the images your photographer snaps.


Pixabay - CCO Licence


Have a movie night


Something as simple as snuggling up together on the couch watching a favorite movie can be so special to a child. They’ll feel safe, secure, and loved and you won’t even have to leave the house or go to any special effort other than perhaps buying some of their favorite candy to chew on while the movie’s in progress so it’s perfect for those busy weeks when you just want to relax in your downtime.


Ask them about their life


One of the best ways to build a strong bond with children is by taking them more seriously and listening to them when they speak. Every day, you should make a point of asking your children not only about their day but at least one question about their personality such as their favorite book or what they love most about nature. They’ll feel more appreciated as a person and they’ll be more likely to open up to you in future if they know that you will listen, and more importantly, that you really care about what they think and feel.


Cook together


Cooking with children is a great way to get them interested in food and healthy eating, It’s also a great way to spend some quality time with them, especially if you sit down to eat whatever you’ve created together afterward. 


Go on vacation


Taking a family vacation where you can dedicate all of your time to each other is ideal for family bonding. You’ll build up more shared experiences and have unique adventures that you’ll all remember forever.


How do you strengthen the bonds with your children?


signature-fonts

Making Everyday A More Positive Experience

Image Source


We all want to live the happiest lives possible. We often actively seek out happiness and would much rather spend our time with a smile on our face rather than feeling glum. But so many people make the mistake of believing that we simply have to deal with what life deals us and that our happiness is out of our control. Sure, we’ll all have a combination of good and bad times. But rather than simply going with the flow, there are actually things you can do to take the wheel and make your day to day life more positive. Here are just a few different steps you can take to achieve this!


Identify Positives and Negatives In Your Life


In order to improve your day to day life, you’re going to first have to evaluate it. You need to take a step back from day to day proceedings and determine what makes you happy and what doesn’t. Only then can you start making active steps towards significantly improving your day to day experience. Of course, when you’re stuck in routine, it may feel difficult to actively pinpoint what’s dragging you down or making you feel unhappy. It can also become easy to take the nicer aspects of your day for granted. We simply accept things that happen to us and don’t associate them with the different emotions that they stir up inside of us over the long run. Journaling or making notes can help with this though. Every time you feel a particularly strong emotion, note down what made you feel that way. You could have a journal with a positives list and a journal with a negatives list. If you notice something recurring regularly on either list, you can assume that they impact your overall mood and happiness levels on a day to day basis. You can start to focus more on the things that are making you feel happy. This could be seeing more of a particular person, doing more of a certain activity, or anything else. If you notice something recurring regularly on the negatives list, you may want to consider resolving it, working on it or walking away from it. This could be a relationship, a job, or anything else.


Focus on What You’re Grateful For


It’s easy to focus and dwell on the negatives in our lives. They can make us feel more immediately strong emotions than the positives. But it’s important that you don’t simply spend all of your time dwelling on what’s bad. Don’t dismiss what’s actually good in your life! Writing a list of things you’re grateful for on a daily basis can help to remind you of what’s going right, what’s going well and what’s making you happy. Focusing on these things instead can boost your mood and bring a smile to your face. If you’re having a rough time and you’re struggling to identify things that you’re grateful for, take a look at some Gratitude Journal Prompts. These will help you to pick out some things that are going well or to plan.


Do What’s Best for You


Many of us are kind and giving individuals. But it’s important that you don’t become a side character in your own life. You’re the protagonist and you do have to focus on yourself! Sure, there are instances where you might need to put someone else and their needs first - perhaps you have children or other dependents. But it’s important that you put yourself first some of the time and that you make decisions based around what’s right and good for you. This can feel selfish, but you need to look after yourself before you can effectively look after other people. So, make sure you’re doing what’s best for you in your life! Incorporate your own interests when making major life decisions. If you need to take others into account when making these decisions, come to a compromise so that everyone’s needs are met! This could range from big decisions to smaller decisions. If you’re choosing where to live but need to ensure your little ones have access to a good school, you can help them by sourcing areas with good schools, but then yourself by choosing your favourite spot from amongst the options. Your life doesn’t have to solely revolve around others.


Don’t Be Afraid of Change


So many of us avoid change. But change can be profoundly positive! Sure, it’s easy to settle for less for the sake of comfort and stability. But sometimes, stepping into the unknown and taking a chance can see your life drastically change for the better. So, don’t be afraid to try things that could really make you happier. This could be applied to all areas of your life. You may be comfortable in your current job in terms of income, but the job itself might not be bringing you joy. It could feel daunting to step away from it, but following a new career path could see each work day be much more enjoyable and emotionally rewarding. Staying in a relationship that isn’t bad but isn’t great could be comfortable and the easy route to take. But stepping away, focusing on yourself, or meeting someone who genuinely interests and engages you could see you become much happier on a day to day basis. Of course, you shouldn’t be brash and should think over any major decision that you do make. But it’s important to consider your options and to have the bravery to pursue further happiness if you think that it is out there.


Help Others


Helping others can help you to feel better. Doing something kind for someone else doesn’t only benefit them. It can lift your own mood, help you to feel happier and give you a better sense of wellbeing. So, think of simple ways you can help others on a day to day basis. These don’t need to be grand gestures. They can be the smallest of gestures that make all the difference to you and others all at once. Some good ideas could include:


  • Hold the door open for someone

  • Check in with an old friend

  • Buy a homeless person a meal or drink

  • Pay the person’s fee behind you at the toll booth

  • Donate to a food shelter

  • Do voluntary work


Exercise


It’s recommended that you get one hundred and fifty minutes of moderate aerobic exercise every week, or seventy five minutes of moderate aerobic exercise a week. This isn’t just for the sake of your physical health though. Sure, it will help you to keep in shape and will prevent issues such as obesity that can cause serious health problems down the line. But it’s great for your mental and emotional wellbeing too. When you exercise, your body reduces production of cortisol, which is a stress hormone. It also increases production of positive chemicals that improve your mood. So, find a form of exercise you actually enjoy. You don’t necessarily have to go to the gym. There are alternative forms of exercise such as fitness classes, sports clubs, dance and more! There’s bound to be something you’ll enjoy!


Do Things You Enjoy


All too often, we get tied up with things we feel like we have to do. Work. Social commitments. Familial commitments. Then we feel we don’t have any time left over to do the things we want to. But this isn’t necessarily always the case. Think of all of the time you waste doing things like scrolling through social media and other useless procrastination. Instead, put this time to better use, doing things you enjoy. Whatever it is, make time for it. You could do something productive like learning a new language, writing or picking up a hobby. You could take a long bath. You could bake. You could meet up with friends. You could take a day trip. If you have more time on your hands, you can even commit to other things you’ve wanted to do for a long time. Perhaps travelling!


These, of course, are just a few different steps you can take to significantly improve your day to day experience. It really is important that you do the utmost to make the most of every day and maximise your happiness and wellbeing. It really will help to make you a more content and positive person, living and enjoying every day to the utmost!

Do Word Puzzles Keep Your Mind Sharp Or Not?

**Some of the links in this post are affiliate links, meaning, at no additional cost to you, I will earn a commission if you choose to make a purchase.


For years, companies have been encouraging adults to engage in regular “brain training” to train their neurons, just like their muscles, and make them stronger. But the relationship between solving puzzles and cognitive performance is anything but clear cut. Doing crosswords doesn’t seem to have a one-to-one relationship with the sharpness of our minds. So what the heck is going on? 

What Does The Evidence Say? 

When psychologists and brain researchers examined the question, they found conflicting results. A 2001 study in Brain and Cognition, for instance, found that as people get older, they perform worse on games designed to test working memory. Younger subjects almost always had the upper hand.

A study in the Journal of Experimental Psychology from 1999 found that older people who do crosswords don’t experience any reduction in the speed of cognitive decline. So, the researchers concluded that the brain might not be analogous to muscle tissue at all. 

But then another study in Psychology of Aging in 2000, found that doing crosswords regularly did, in fact, reduce the speed of memory loss as people get older.

So what the heck is going on here? Can you really train your brain like the rest of your body to keep it youthful?

The Importance Of Hidden Information

Although the science is mixed, some researchers think that certain types of word puzzles can actually help cognition. 

Consider a riddle, “what is full of holes but still carries water?” 

You can’t just read the statement and then think it through analytically to solve it. You won’t get anywhere. No matter how long you stare at it, the answer won’t pop out at you from the words on the page. 

Instead, you have to think “out of the box,” drawing on your knowledge of context. Eventually, if you think broadly enough, the idea of a sponge will enter your mind, and you will solve the riddle. 


The cognitive processes here are profound. Not only do you have to unscramble the problem, but you also have to open yourself up to novel ideas. Otherwise, you can’t resolve the riddle at all. It is a necessary part of the process. 

Finding hidden information is essentially what riddles are all about. They appear to allude to something that doesn’t make sense on the surface, but that can be resolved with the right idea. 

Riddles have appealed to people down the centuries, partly because their solutions are so unexpected and novel. You get a buzz of satisfaction when you solve one that makes you want to go on and do the next. 

Word puzzles, like riddles, therefore, could help train the mind by creating new connections in a way that many other types of problems don’t. Perhaps that’s why there have been mixed results in the literature. Performing rote calculations (in sudoku, for instance) uses well-worn neural pathways. But solving a riddle necessarily implies having to come up with an entirely novel solution. 

What do you think? Can solving riddles make you a better thinker overall? 



signature-fonts