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Did you ever look at a jar and think, "That's worn out"? Glass objects, like many other things, simply don't "wear out." And even if they show a little wear, it's perfectly acceptable to use them anyway. This means that you can buy them already used. Why spend two dollars on the same jar that you can get for fifty cents or less, used?
Saving for a child's college expenses can seem like a daunting task. However, it is a lot simpler than many people think. When it comes to paying for a child's education, parents tend to have a million and one questions. All of which are completely understandable. Some of the more frequently asked questions are:
How do you get started saving?
How much do you save for college?
Where do you invest the money?
The answer to the first question, "How do you get started saving?" can be answered by referencing the article, "Three Steps to Start Saving for Your Child's College." As for how much to save for college, there is a bounty of online calculators available to determine just how much of a contribution is required to meet savings goals. These calculators work by looking at a variety of factors including a child's specific circumstance, public or private education, and the level of funding.
Once your child gets back to school, you'll start to notice that he or she may get sicker more often. Being in close quarters with other children contribute to that. By the time, one child's symptoms start to get noticeable, it's too late.
Colds are contagious the first three days after initial exposure. That's why sometimes the entire family is sick together. The cold usually starts out with a sore throat, followed by a runny and or stuffy nose, and sometimes a mild cough will be present.
When your child starts to get cold symptoms, make sure it's not the flu because a lot of people get the two confused, including myself (is it a cold or flu?). The cold should go away within a week, but if not, you'll need to make sure it's not a bacterial infection. If it's bacterial, your doctor will prescribe antibiotics (honestly speaking, sometimes it works and sometimes it doesn't for my family).
I remember when I was a new mom, I took my daughter in for a cold and we sat in the doctor's waiting room for 45 minutes and another hour in the actual room they assigned us. By the time the doctor came around to see us, all he said was to give her Motrin or Tylenol if she felt uncomfortable (this was the same case for the flu as well). If your child is under 4, it's no longer recommended to give your child over-the-counter cold and cough medicines.
After wasting time, lots of energy and money ($20 co-pay), I decided to use homeopathic and natural products to relieve cold symptoms for my child. Not only did it save me time, energy and money, it was very effective. Plus, I like do things naturally when I have the option to do so.
Just recently, I wrote about PNC Bank and Sesame Street teaming up to teach children about spending, sharing and saving money and now more institutions are following suit. It's good to see that most people are finally realizing that teaching our young ones about money is just as important as potty-training.
If you've got children or are thinking about having children,
unarguably one of the biggest expenses that comes along with them
is diapers. There's really no way around it. Cloth
diapering has evolved over the past ten years or so and is now much
easier than it used to be with the cotton diapers, safety pins and
plastic pants covers. There are many new cloth diapering
options that can help you save money and reduce your household
Here are some of the cloth diapering systems available.