healthy breakfast
I wouldn’t call my daughter a picky eater exactly. She has always been great about eating fruits and vegetables, but it was always on her terms. She would rather just play than actually sit and eat. What’s worst, she used her hunger as a bedtime stalling tactic many times in the past. Her eating preferences resulted in a lot of wasted food, time, and money over the past few years. Thankfully a few adjustments to our rules helped transform meal time and ultimately saved us money, so let me share those with you.
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Life can be full of unexpected surprises. No matter how much we plan, prepare, and set out to accomplish certain goals in life, life usually has other plans.

It’s in those crisis moments when we feel like we are off our “path”. A layoff, a breakup, a divorce, a move, or a financial emergency can derail your life order and have you feeling out of sorts.

When I was 22, I had a series of events that occurred that threw everything off. Within a period of six months, I dealt with a breakup, a layoff, a car accident, and the passing of my grandmother. On top of that, all the stress was literally making me sick.

At a fairly young age, when I was trying to make it on my own, it felt like everything was working against me. Everything felt hard.
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College tuition has steadily been increasing over the past several decades. In the last five years alone, it has skyrocketed by 28.9 percent.

While the four-year cost for an in-state university was around $42,000 in 2021, the price tag is projected to be around $350,000 in 18 years – which is just after the time my two kids will be college-aged.

As I take a deeper look into my financial plan, I’m torn. Should I be diligently saving for their education, or should I be investing my extra money into my own retirement account?
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holding hands
You want to protect your children from all that you can as a parent – kidnapping, bullies, diseases, and even hurt feelings. However, you might not be aware of the risk of child identity theft.

Children are a target for identity theft because they have a clean slate. Plus, it can take years before the fraud is even detected. If a child’s identity is stolen at a young age, they might not even notice the error until they request their first credit report or apply for their first line of credit as a teenager. By then, the paper trail of the thief would be hard to trace down. So what do you do? Here are a few suggestions.
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learn from the rich

Most people wouldn’t complain if they suddenly became rich. In fact, millions of people play the lottery every week with just this hope even though, statistically, their chances of winning are next to nothing.

Obviously, very few of the wealthy people we’re jealous of have gotten rich this way. As we know, “get rich quick” schemes are usually a gimmick or a con, so it follows that most wealthy people have invested time and effort into getting where they are today.

If we’re honest, we can admit that if we spent less time complaining about our circumstances and more time studying and following the lifestyle habits and principles that have made people rich, we’d be a lot closer to our financial goals.

The ideology and practices that build wealth can be summed up as hard work, conservatism, ingenuity, and an opportunistic mindset.

Let’s break these four factors down.
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If you’re not a natural-born saver, you might believe that the key to becoming a good money manager is willpower and deprivation. The thinking with this is that if you just grit your teeth, force yourself to forgo temptations, and record every penny, then you’ll become more responsible with your money.

The only problem with that theory is that reliance on willpower is doomed to fail. As anyone who has tried an extreme budget (or diet) can tell you, we all have a tendency to rebel against too-strict rules, even when they are self-enforced.

A better plan is to work on improving your willpower since studies have shown that practicing willpower in one part of your life makes it easier to resist temptations in seemingly other unrelated areas of your life.

Here are four non-financial habits you can adopt to become a better self-regulator.
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