CREDIT CARD DEBT: THE SILENT FINANCIAL KILLER IN ALMOST EVERY HOME

Everyone in today’s world of technology wants things fast, in an instant! Fast food, fast delivery, fast pizza…you name it. If you want it, you’ll get it…all thanks to the use of the credit card; a quick swipe of the “plastic” through an electronic box and a signature, and wham! You get served, you go home happy, and it is convenient. This same credit card is also largely responsible for the debts of several thousands of people in the United States.

From the results of studies conducted recently, it has been shown that the profits of banks have soared very high in the last few years. A shocking revelation was the fact that credit card holders who are in debt and personal bankruptcies have contributed largely to this; this shows that many credit card holders were not able to manage their finances well, which ultimately lead to their falling into debt.  

The credit card gives users a false sense of financial security. Yes, it is indeed true that when it comes to matters like convenience and safety, credit cards do a good job of solving such financial issues. But it is also true that it creates a lot of trouble financially for holders who are ignorant of its usage and the terms and conditions attached to using it.

If you find yourself neck-deep in credit card debt, getting depressed is not an option. Even though you have high interest rates to pay off, that doesn’t mean you can’t handle credit card usage judiciously. Discipline and of course, a change in your pattern of spending will go a long way in helping you get out that debt.

Begin by searching off-line or online for information on how to pay off your balances in an easy manner. There are also free debt consultation agencies around your neighborhood; you could take advantage of these agencies by visiting them and asking for help on how to eliminate the debts you owe.

Develop a sense of self-control and persistent determination. You need to be organized mentally and financially, and if you commit to your goal of financial freedom, you will soon be free from debt.

The power to do away with credit card debt is entirely in your hands.

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5 SURE FIRE TIPS TO TEACH YOUR KIDS ABOUT SAVING MONEY

The importance of money management in this day and age cannot be overemphasized. The teens of these days have not been taught to understand the value of earning, saving and spending money. Nearly all of them have not been orientated to the fact that it is very good and important to invest, whether they are still students or not.

As a parent, it is your responsibility to teach your kids the wisdom of saving and investing money; by making them understand this concept right from their childhood, they will be better prepared for the future as they learn to manage money wisely. Here are 5 hot tips that will reveal exactly how to teach your kids the ways to save money.

1.   Once your children have learnt how to count numbers and listen to instructions, go right ahead and educate them about the concept of money and its meaning. Make sure you explain in details and in very simple language for easy understanding. Do this as often as possible in order for them to keep your teachings in mind.

2.   Give them the details about the value of saving money, and not just for the rainy day. Let them know how important it is, and the impact such action will have on their lives in the future. Answer any questions they might have about money as honestly and as straight forward as you can.

3.   When giving them their allowances, urge them to keep a certain bill, or a number of them for that matter, for the future. Of course, you must motivate them by telling them that the money they save can be used to buy that new bike or that set of video games they have always craved for.

4.   Another hot tip often neglected by parents is to teach your kids how to work for money. They do not have to somewhere else to learn how to do this as they can earn money right under your roof. Yes, you definitely can start this trend in your own home! Start by rewarding them with say, fifty cents anytime they clean their rooms, or do the dishes or any other household chore without being prompted. Do not over-do this. The idea is to make them realize that money earned by working is to be spent wisely.

5.   You could also give your kids piggy banks to save their coins until it gets filled up. Opening of bank accounts for them is also advised, and teach them how to save some of their allowances by depositing in those bank accounts. Constantly motivate them by letting them know how much they have saved thus far.

Patience, consistency and motivation are the keys to use whenever you decide to start teaching your children the ways, the value and the importance of saving money. As you do this, your kids will sure learn these concepts easily and put it into practice in their day-to-day activities.

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HOW TO GET RID OF DEPRESSION THE RIGHT WAY

Depression, or the mental state of an individual usually characterized by a sense of inadequacy, pessimism and lack of activity is one of the most common illnesses in the United States; with about 9.5 percent of the American population suffering gravely from these sad feelings of gloom and inadequacy, it is, however, shocking to realize that not all of them get to receive treatment. This makes depression and its harmful effects quite worrisome. It is not to be taken lightly, for in order to be completely rid of depression, it does take more than just cheering up the individual.

Cognitive behavior therapists abound everywhere and their services can be sought for when treating depression, as well as buying and using all medications as prescribed by the doctor. Though none of the aforementioned facts come cheaply, it is nothing when compared to the magnitude of the suffering of a person with depression.

Depression is one illness that easily robs one of the zests for life. It cripples an individual’s daily activities and routines and causes his or her normal functions to cease. This makes the individual to begin to hate himself or herself, lose confidence in oneself and begin to seek isolation from the world. Such individuals just stop caring whether they live or die, and this type of behavior is usually contagious, as it adversely affects the individual’s loved ones as well. This leads to relationships that are tested to the limits.

Nevertheless, there are various treatments for people suffering from the destructive illness of depression, and chances of such individuals to return to a normal life with sound mental health are very high. The following are the steps to take to treat this illness called depression.

Firstly, the individual must be willing to fully and openly admit that he or she is depressed. This open declaration will make things a whole lot easier for the doctor who wants to treat the patient to be able to find a suitable treatment of depression for him or her.

There are lots of medications that are known to be highly effective in treating depression. Depression treatments such as antidepressant depression treatments ensure that the patient suffering from depression gets the best treatments possible with exciting, positive results. There are also medications that help the patient with depression to check his or her mood swings; other medications are also available for helping the patient to sleep better and be able to relate well with loved ones.

Another popular type of depression treatment is Psychotherapy, which usually involves short therapy sessions that runs for ten to twenty weeks. This form of treatment has been known to yield tremendous positive results; during these therapy sessions, the patient gradually begins to talk freely without inhibition about his or her feelings, the origin of their problems and the main cause of depression. The cognitive behavior therapist and the depression patient have very healthy verbal exchanges which end with positive results and a patient well on his or her way to being cured of the deadly illness called depression.

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