Mothers who lose their children to Brazil

Mothers who lose their children to Brazil

Image result for Mothers who lost their children to Brazil“Mom, they gave me a shot”, Bruna da Silva recalls one of the last sentences Marcos Vinícius, 14, told him before dying. Like her, thousands of mothers bury their children every year in Brazil because of violence as chronic as it is devastating for the youth.

Marcos was wearing the school uniform when he received, last June, a shot in the back of supposedly part of the Police in the complex of favelas de la Maré, in Rio de Janeiro.

It was another day in the routine of this young student, who went to a friend’s house to go to school together and found himself in the middle of an operation unfolded shortly after the murder of a police officer.

“They turned down the street where we lived and they ran into an armored vehicle in the middle of the street, there was no trafficker, there was no shooting, the police shot,” says her mother, Bruna da Silva, who wears a T-shirt on the street. which is stamped a photograph of his little one and the phrase: “I love you son”.

Marcos was rescued urgently in a nearby ambulatory, still conscious.

“Mom, they gave me a shot, did not the armored one see me with the school clothes?” Says Bruna, recalling what her son told her at the clinic.

He needed to be transferred to a hospital, but the ambulance that was going to pick him up was arrested at the entrance of the community by the authorities, who “said there were no students” injured, according to Bruna, who has been denied psychological treatment by the Justice after the loss of his son.

After many calls an order was given to help the young man, but it was too late. Until today there are neither detainees, nor suspects, only another unsolved case.

Brazil reached in 2016 the historic record of 62,517 homicides, of which more than half (33,590) were young people between 15 and 29 years old, according to the Atlas of Violence 2018 report, prepared by Ipea, an institute linked to the Government, and the Brazilian Forum of Public Security.

Between 2006 and 2016, the number of children and adolescents killed increased by 23.3% to reach in that decade the dramatic figure of 324,967 young people killed violently.

“Everything (the violence) is against the poor, black and peripheral youth, does not need anything else: it is poor, it is black and from the periphery, and voila, it is already sentenced to death,” says Miriam Duarte, 55 years old and one of the driving forces of the Amparar association.

Miriam lives in Sapopemba, in the humble eastern part of the São Paulo capital, and has lost two of her three children when they were only 17 years old. The three were involved in the world of crime and passed through juvenile penitentiaries.

The elder, who had problems with drugs, died in 2000 of the shooting of a retired policeman in an attempt of theft after corrupt agents, Miriam tells, demanded a sum of money to continue in freedom.

They tried to denounce but gave up: “We were afraid that something happened to other relatives”.

Three years later, the youngest, also at 17, was killed in a neighborhood brawl. The third of his children is serving a seven-year jail sentence and will leave at the end of the year.

The drama did not end there. He also raised two of his nephews, one of whom died at the age of 21, a victim of “a shot in the leg and after falling, they shot him in the heart,” says Miriam.

“The mothers of the periphery lose the right to be mothers because their children are either dead or imprisoned,” he says.

“Here we fight every day to sleep alive, to be alive every day,” he adds.

Thousands of kilometers from Sao Paulo, in Natal, capital of the state of Rio Grande do Norte (northeast), where homicides against young people have increased by 382.2% between 2006 and 2016, violence is also rampant.

Erildice da Silva still does not understand why his brother and son, who were in their twenties, were approached last June and executed by strangers with head shots on their way to a party.

“They did not owe anything, they did not drink, they did not have vice and they killed them in spite of everything (…) Until today we find ourselves without answers, it was unpunished”, comments Efe Erildice.

Brazil begins to get used to violence that is ending, every day, with thousands of young people. The deceased mothers raise their voices to try to stop this bleeding.

Miriam drew strength to be trained and become a social educator for families punished by this scourge. Bruna still keeps Marcos’s uniform shirt (“It’s what gives me strength”) and promises to say “to the whole world” that “it was the Rio Police” who murdered his son.

“Our dead have a voice and our children have mothers,” she says. EFE

cms-fp-nd / ass / mr

“I tell my grandchildren not to go after the money”

Image result for I tell my grandchildren not to go after the moneyI am 77 years old. I was born in Changchun (China), under Japanese control, and I live in Indiana, where I am a professor. Married, I have 2 daughters and 4 grandchildren. There are no categories among humans, we are all equal and we must have the same rights. I like Christian philosophy.

“I tell my grandchildren not to go after the money”

Lesson of humility

Son of a salesman who worked for the Manchurian Railway Company, he was a brilliant student, which allowed him to graduate at the age of 23 at the University of Tokyo and to spend most of his career at Purdue University (USA). ). He is one of the most widely quoted organic chemists, but he is a humble and charming man who laughs after every answer. He was awarded the Nobel Prize in Chemistry at age 69 for something he had discovered more than forty years ago, the so-called Negishi coupling, which has allowed the construction of complex molecules that improve many aspects of our lives. He has given a lecture at the UAB.

What is the most important?
Myself. One must be focused to live as much as possible the life he wants to live, take care of the woman he has chosen and the children he has decided to have, contribute for oneself and his career.

More than forty years ago he discovered important chemical reactions.
I was fortunate, those discoveries have allowed to create drugs against serious diseases, such as AIDS or colon cancer; fluorescent markers for DNA analysis, other products such as LEDs, liquid screens and many types of polymers.

Why did you get the Nobel Prize forty years later?
The real value of most chemical discoveries is not seen until after a few years. I realized that this was very important five years later and most of the scientists ten years later, but the Swedes took a little longer.

You did not patent your method, why?
I have patents in other areas. But I am a scientist, not an entrepreneur, and in this case money for me was secondary. By making my discovery public, the benefits have not gone to a few companies, but to the whole world, and I wanted that.

Only that?
I was satisfied with being the first, there were many people after this discovery. And winning the Nobel was much more important than winning millions and millions of dollars.

When did you start dreaming about the Nobel?
At age 25 I went to do the doctorate in the United States; I received classes from many Nobel prizes, I was impressed and I thought they were superior to the rest, but the more I listened to them and saw them, the more human they seemed to me, and I ended up thinking: “Why do they and I do not?”, heh, je, je …

When he was awarded the Nobel Prize, did he not expect it?
Year after year I was on the candidates’ lists, but they never gave it to me. After six years I said to myself: “I have already done good things because of chemistry, I do not worry about whether they give it to me or not.” And it was at that moment when they gave it to me: when I stopped thinking about him.

How did it happen?
An untimely call at five in the morning. It was a very extraordinary moment: during the previous ten years I felt that I had a cloud in my head and the day after the call I woke up with a clear mind. This is my history.

You will also have known competition and envy.
I have seen continuously many egos crashing, ha ha ha. That of humans is a complex world even within the family. But in spite of that, if we focus on positive things, we will minimize the negative aspects that are always there.

What led you to organic chemistry?
I was interested in electronic engineering, I wanted to work for a large company, like Sony, but someone told me that they paid very badly and I switched to organic chemistry, which had more future. I wanted to get married.

What have you learned?
When I was 20 I suffered from stomach pains and came to the conclusion that there are a few important things in life: health, good relationship with the family (no one wants to live alone), focus on work, think about producing, in contributing, rather than in consuming … and having passions outside of work. Mine is music.

Are you no longer worried about money?
If I take care of my profession, the money arrives, I will not pursue it. I tell my grandchildren not to go after the money.

Why did his stomach hurt?
He was the youngest and brightest student. I would get up at five in the morning and spend two hours to get to the institute. It was all very boring, but my goal was to enter the University of Tokyo, and there was competition.

You were in Yokohama when the tsunami happened.
Yes, in a meeting of alumni. We experienced the earthquake (magnitude 6) and we were lucky: the room was ready and, although some part collapsed, we left unharmed. I saw cities and towns devastated.

And the horror of Fukushima.
You can never say never, but you have to be very strict with the security levels, and, realistically, I think those levels are never fully respected.

His discoveries lead us to another type of energy.
The possibility of reducing CO2 would allow us to obtain fuels, that is the fundamental theme of my current research. I lead three research groups that are working on this because that energy is safe for the planet and for us.

You have seen the dark side of humanity: as a child the war, Fukushima … What is your reflection?
We must be prepared to face positive and negative things and to know that sometimes even positive ones lead us to suffering.

Teach your children to bring wealth this summer

Image result for piggy bank and summerThere comes a time of the holidays in which your children begin to wonder what to do because they are already bored.

And then they start doing things like going around your house, complaining about their boredom and looking for new games or activities to pass the time.

And then, both you and they begin to think of ideas to make the most of those holidays to learn something new.

In addition to walks around the city, outings to the park or meeting with other children, think of other options that do not require as much money and keep your children occupied.

Even, it will not be long for any of them to tell you that they want to do more than just play.

This may be the time to give your children small tasks during the holiday period and teach them how to value the money, as well as better understand all the economic situations that can happen in the home.

Teaching your children from a young age to value money and attract a bit of wealth both inside and outside the home can be one of the best learnings that your little ones will appreciate for the future.

Creating good habits at an early age is one of the best options for spending a different summer.

Here are some ideas for your children to learn the true value of money:

Activities for ages 5 to 11 years

Sale of lemon water

This idea is very famous and maybe you’ve seen it in some American movie. It can be something very fun for your little ones to make lemon juice and offer it to the neighbors who are passing by.

You can help them make a small sign for people passing by on your sidewalk. Not only can you sell juice, although for them it is very playful to squeeze the lemons to turn them into water. They can also offer some sweets and snacks.

So, you can guide them so they can learn what it takes to run a business. And before you know it, you’ll have a small entrepreneur at home.

Give him housework

There are tasks that take away a lot of time and that probably is not so necessary that you do them. There are even places in your home that you can not clean because your adult fingers do not allow you to perform certain tasks.

Therefore, you can pay a commission for your children to complete a task or two that you do not necessarily have to do: fold clothes, clean the table, water the plants or accommodate the spoons. Any of these tasks can be well rewarded.

Organize a garage mini sale

Motivate your children to collect toys that they no longer use and clothes that they no longer have to make a garage sale. The interesting part is that you can guide them to manage their business.

Together they can create a striking advertisement with cardboard so that other people and children can go. In this way, you will also teach your children to value what they are offering and learn to give a second use to things.

Summer activities for children from 12 to 14 years old

Baby sister

Teens and preteens generally love caring for children. And the nanny is the favorite person of every overworked parent. Your children can earn a little money by keeping one of their cousins ​​busy while the adults take care of other, stronger jobs.

It is not about your teenagers taking risks, since this task can be done with an adult.

Sale of cakes and biscuits

Children love making mud cakes. And if you want your children to learn the value of money, you can set up with them a small business of desserts and cakes that are real and simple to prepare.

You must be with them at the time of the preparation so that they begin to make their pininos in the kitchen with the correct vigilance. Your cakes can be offered at the local market, outside parks or at the entrance of your home. Perhaps that is the beginning of your children in the fascinating culinary world.

Guide in summer camp

In many summer camps the help of teenagers is very useful to carry out the entertainment activities with the rest of the camp attendants.

In addition to the financial compensation for your children, it will be a great help to meet new people and places. A few days outdoors will keep you away from boredom.

Animal caretaker

If your children love animals, this activity can be very entertaining, because in many shelters people need to walk and take care of the dogs and cats that are in the place.

And if this work is not done in a shelter, you can encourage your child to take the neighbors’ pets for a walk. This idea is made especially for your children to have an awareness of caring for animals, to instill in them respect for nature.

Cut the grass

If you have a house with a garden or shrub on the sidewalk, you can teach your children how to prune the grass and the growing weeds. The plan here is that you can then offer your gardening service to neighbors and friends.

Normally people do not have the time and patience to mow the lawn. In addition, this activity falls as a ring during the summer, because at the beginning of the rainy season, plants and flowers tend to grow faster.

Summer activities for over 15 years

Technological support

If your children of this age love everything related to technology and know how to handle all the functions of smartphones and tablets, then you have an amateur technician who can develop their full potential by offering their knowledge to help other people solve all their problems and doubts of use.

In addition, you can offer to teach how to use technology for older adults in order to learn to make the most of their mobile devices.

Employment in grocery store

This is one of the most common jobs for boys and girls of this age. It is a job that can guide them in the workplace and that will show them some of the challenges of employment: responsibilities, honesty and proactivity.

It can be a part-time job or a few hours that will help you strengthen the values ​​learned at home and acquire certain accounting skills that will serve you in the future.

All these activities have great advantages for your children according to their age. There are certain values ​​that can be learned in this way and the formation of your character is one of them.

Teaching your children to value money and attract it while taking advantage of their free time can direct them to form habits to have an economically stable adult life.

You can combine these ideas with other strategies to teach your children to value money this summer and motivate them to take small steps in financial education.

Children's accounts – The savings of the future

Children’s accounts – The savings of the future

Image result for children's bank accountChildren’s accounts are a product designed to manage the savings of children. It is an account that usually provides profitability and with which children can learn to manage their money. Next, we talk about the conditions that these accounts have for children and we show the best savings accounts that exist today to make the money profitable.

How are children’s accounts?

The most important point to keep in mind is that the child will not make decisions about the account , but that, even if the owner, the balance deposited will be in the hands of their parents until they reach the age of majority established by the Bank.

On the other hand, it is very possible that one of the limits included in the account is that it will not be possible to withdraw all of the money (together with the generated interest) until the child assumes this age or until the bank sets an age concrete

4 reasons to hire a children’s account

Hiring a child account can be a good way for the child to enter the world of finance. There are opinions of all kinds about this product, but, with responsibility, it can provide many advantages. These are the most outstanding:

  1. They allow to create a piggy bank , when it grows the child will be able to have their own savings.

  2. They ensure the future of the child , since it can be opened with the intention that all the money that is deposited in said account is destined to his studies, for example.

  3. They offer gifts intended for the little ones. From school materials such as backpacks or cases, to electronic devices. Simply find the account that has the gift that interests us most.

  4. They are a tool for the child to enter the world of finance and learn to manage them. To this end, some banks have interactive games and videos aimed at the younger audience.

The best child accounts of the moment, how are they?

When choosing an account for our children, as for any other type of banking product, it is necessary to take into account certain aspects:

  • Be clear about what kind of account we want to hire . The most frequent is that it is a savings account with limited operations: that allows us to deposit money and access it freely, although we will not be able to carry out a complete operation.

  • Know the minimum and maximum amount of money that can be deposited in the account and when it will be possible to withdraw the balance. Normally, savings accounts have no minimum and always allow the customer to access the money.

  • Ensure that it is an account with no bank fees , administration, or maintenance.

  • Check the operation that we will be able to carry out . Each one will establish limits when it comes to being able to make bank transfers to third parties , use the cards, etc.

  • Find out how ownership works. Even if the minor is the actual owner of the account, he will not have full control over the money until he reaches the established age. During that time, one of the parents or the legal guardian will be the one who assumes the custody of the savings until he reaches the age of majority.

  • Check the minimum time that the money should remain in the bank, if there is a limit and when we can withdraw the balance deposited.

 

What do I need to open a child bank account?

Hiring an account for children is a process as simple as opening a normal account, however, it requires having some previous points tied:

  • The family book is necessary to verify that the person who will open the account is a mother, father or guardian, since they are the only ones who can contract the child’s account. No other person, even a close family member, can carry out this process on behalf of a minor if it is not their guardian.
  • The child must have a DNI. It is something that a few years ago was not necessary but that was established as a norm in 2007, with the aim of preventing tax fraud with this type of accounts. An option to overcome this requirement is to ask the Tax Agency for a provisional NIF (tax identification number). It is enough to present the family book and the model model 030 that they deliver in this agency. It is even possible that the banks themselves carry out this management to streamline the process.

  • You also need the DNI of the parent or guardian who will keep the money while the child grows. Also a copy of the family book to show this kinship. The parents or guardians will be the account holders until the children reach the age of majority.

  • It is preferable that the minor go to the office at the time of opening the account. Although it is not always mandatory, it is recommended so that the child is aware of the process.

Who can access money from a child account?

Parents or guardians who have custody of the child will have access to the money, regardless of whether they are the person who has opened the account or not and if they also have guard custody. This is a point to take into account in cases of separated parents.

For example, in the event that the parents are divorced and one of them opens the account to the child they have in common, both (if the two maintain the post-natal homeland of the child, which is the most usual) would have full rights to the account .

However, in the event that for extraordinary reasons a judge withdrew this right to one of the parents, he would lose the ability to manage that account or access the money and would be available to the other parent until the child fulfilled the majority of age and becomes the owner of the product.

If you are looking for more freedom to save

Taking into account the limitations of these accounts, such as full access to money together with the profitability achieved, it is interesting to consider what other options exist to make the savings profitable and achieve a financial cushion that guarantees the future of our children.

A good option may be to resort to traditional savings accounts, with a much more free operating . Over time, when the child is older it will be possible to open a special child account for him.

In the following video we analyze the different savings options, both the paid accounts and the fixed terms. Which of the two is better?

About this page

What is the purpose of this page? On this page we intend to show all the important points of the children’s accounts. Either from what is necessary at the time of its opening, the role of the tutor, the minor himself, and the benefits of this banking product for children.

Source: information on child accounts comes from different sources, such as the websites of the banks that sell this product in Spain.

Methodology: the data related to the contracting of child savings accounts have been achieved through online research techniques and consulting different media specialized in Finance and Economics.

About HelpMyCash.com: we are an online comparator made up of specialists in personal finance and home economics. On our website, the user can compare the different banking products and financial services offered by banks. In addition, you will have the opportunity to access updated and quality information on the economic market.

Notice: the services we offer from our financial portal are completely free for the user (calculators, guides, forum, bank product comparators and home economics, etc.), since HelpMyCash.com gets its income through advertising and of products cataloged as highlights.

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Prepare the health of your children for the “back to school”

September is synonymous with back to school . As a mother or father, you have been balancing for more than two months to reconcile your long vacations with the ones you have. The grandparents, if they can, have also helped, but at the beginning of the month normalcy returns to the families and the schedules are once again organized, at least from Monday to Friday. Some go to work and others to learn.

The beginning of the course is a good time to catch up with pending issues that, because they are not urgent, we often leave. Medical check-ups are one of those pending issues, in this case children. When they are younger, they have pediatric check-ups very often, but when they are a little older, how often do they have to go to the pediatrician if everything goes well?

There are certain problems or even diseases that are quite silent and are slow to show symptoms, so it is best to prevent them with regular check-ups . Taking the habit of going to the pediatrician every year, when the course starts, will help us not to forget it.

 

MEDICAL REVISIONS BEFORE THE “RETURN TO THE COLE”

The pediatrician is the expert, so you can trust his experience but to give you an idea, the usual thing is to measure and weigh the child, to make sure that he has an evolution according to his age. Of course, each little one has its own rhythm, but it will make sure that it is within normal parameters.

 

  • Weight

According to the latest National Health Survey, two out of every 10 Spanish children are overweight and one in 10 suffers from obesity. If your child starts to have excess weight, the beginning of the school year is a good time to sign up for an extracurricular activity based on physical activity, such as football, basketball or tennis.

 

  • Dental health

The pediatrician will also review the oral health of your children. If, for example, a caries appears, you can go to a pediatric dentist to find a solution on time and not have to remove the piece. You can also give you the guidelines to establish the habits of correct child oral hygiene .

 

  • View

The view is directly related to school success. If your child does not see the blackboard well or can not read clearly, his studies will suffer . The ophthalmologist can solve it with some simple tests and putting glasses if you need them.

 

  • Position

The postural hygiene of children is also something that should be controlled and that the doctor can check. The weight of the backpack and the bad postures in class , together with the lack of exercise in many cases, can lead to deviations of the back and neck or muscular contractures. The specialist can give you instructions so that this does not happen.

 

From two years of age, primary care reviews are usually every two years . If you want to make sure that everything is fine without waiting so long, or if it is important for you to choose the specialist to take your children to, take advantage now: in the autumn is when insurers take out the best promotions in medical insurance. 

Prepare the health of your children for the “back to school”

September is synonymous with back to school . As a mother or father, you have been balancing for more than two months to reconcile your long vacations with the ones you have. The grandparents, if they can, have also helped, but at the beginning of the month normalcy returns to the families and the schedules are once again organized, at least from Monday to Friday. Some go to work and others to learn.

The beginning of the course is a good time to catch up with pending issues that, because they are not urgent, we often leave. Medical check-ups are one of those pending issues, in this case children. When they are younger, they have pediatric check-ups very often, but when they are a little older, how often do they have to go to the pediatrician if everything goes well?

There are certain problems or even diseases that are quite silent and are slow to show symptoms, so it is best to prevent them with regular check-ups . Taking the habit of going to the pediatrician every year, when the course starts, will help us not to forget it.

 

MEDICAL REVISIONS BEFORE THE “RETURN TO THE COLE”

The pediatrician is the expert, so you can trust his experience but to give you an idea, the usual thing is to measure and weigh the child, to make sure that he has an evolution according to his age. Of course, each little one has its own rhythm, but it will make sure that it is within normal parameters.

 

  • Weight

According to the latest National Health Survey, two out of every 10 Spanish children are overweight and one in 10 suffers from obesity. If your child starts to have excess weight, the beginning of the school year is a good time to sign up for an extracurricular activity based on physical activity, such as football, basketball or tennis.

 

  • Dental health

The pediatrician will also review the oral health of your children. If, for example, a caries appears, you can go to a pediatric dentist to find a solution on time and not have to remove the piece. You can also give you the guidelines to establish the habits of correct child oral hygiene .

 

  • View

The view is directly related to school success. If your child does not see the blackboard well or can not read clearly, his studies will suffer . The ophthalmologist can solve it with some simple tests and putting glasses if you need them.

 

  • Position

The postural hygiene of children is also something that should be controlled and that the doctor can check. The weight of the backpack and the bad postures in class , together with the lack of exercise in many cases, can lead to deviations of the back and neck or muscular contractures. The specialist can give you instructions so that this does not happen.

 

From two years of age, primary care reviews are usually every two years . If you want to make sure that everything is fine without waiting so long, or if it is important for you to choose the specialist to take your children to, take advantage now: in the autumn is when insurers take out the best promotions in medical insurance. 

Did you know that going back to school affects you more than your children?

The return to school begins. A time of the year that provokes emotions found in children: on the one hand they are willing to see their friends, but on the other they stop having all that leisure time they have enjoyed during the holidays. And how do parents live this moment? Well, with enough stress and worries , as there are many things to consider before starting the new school year: medical check-ups, books, school supplies, uniforms, routines, extracurricular activities … In addition, time is short. Many probably just landed on vacation and you have to face in a short time to such a laborious planning this is, especially if you have several children.

How to deal with all this stress?

Today we worry too much about the welfare, education and health of our children, something that causes a lot of stress and anxiety in some parents. We try to control many things like what they see on television and internet, if they have the best teachers and education, if they do their homework and have an up-to-date agenda, how they relate to their peers, etc. In addition, parents have to adapt the schedules to the needs of the child, having to attend school meetings, pick them up at school, take them to the extracurricular … All this causes quite a lot of discomfort and worries both in the parents and in the children since there is much demand and high expectations, leading this to point the child to too many activities, often also motivated by the lack of time to have parents so many hours of work.

We give you 10 tips below to better take the dreaded back to school :

  1. Plan what you will need ahead of time .
  2. Try not to leave anything for the last minute .
  3. Do not point your child to too many extracurricular activities, one or two will suffice.
  4. Try to relax your self-demands and expectations about your child: the most important thing is that your child is calm and happy, and that you can enjoy this moment with him.
  5. Try to recover the routines established during the school year days before the return, as these will have changed during the summer holidays.
  6. Lift your children first, especially the first day of school to go calmly and relaxed .
  7. Remember to label your child’s belongings to avoid scares.
  8. Visit the school with them days before , especially in the case that your children are small, as this will make the idea and better familiarize your new school.
  9. Try to show an optimistic and happy attitude towards this change , so that your children learn from your example and share with you their new experiences.
  10. Get involved in the purchase of materials and books and in the choice and planning of extracurricular activities. This will help them feel more in control in the situation, more confident and increase their enthusiasm for the new course.

Another factor to keep in mind is that children experience very rapid changes in their body during their growth, so it is important to perform a health check before beginning each course. This will help us detect, for example, if our child has problems with eyesight, teeth and in other areas of his health such as psychological functioning. Many times this involves unforeseen expenses that we must add to the investment that already involves school materials, books and uniforms, such as glasses or orthodontics. And, how can we cope with these expenses? A good way to prevent costs from getting out of hand is to have good health insurance for the whole family. In addition, we must take into account what it includes at the time of hiring, and thus be able to guarantee that everything we need is covered.

Did you know that going back to school affects you more than your children?

The return to school begins. A time of the year that provokes emotions found in children: on the one hand they are willing to see their friends, but on the other they stop having all that leisure time they have enjoyed during the holidays. And how do parents live this moment? Well, with enough stress and worries , as there are many things to consider before starting the new school year: medical check-ups, books, school supplies, uniforms, routines, extracurricular activities … In addition, time is short. Many probably just landed on vacation and you have to face in a short time to such a laborious planning this is, especially if you have several children.

How to deal with all this stress?

Today we worry too much about the welfare, education and health of our children, something that causes a lot of stress and anxiety in some parents. We try to control many things like what they see on television and internet, if they have the best teachers and education, if they do their homework and have an up-to-date agenda, how they relate to their peers, etc. In addition, parents have to adapt the schedules to the needs of the child, having to attend school meetings, pick them up at school, take them to the extracurricular … All this causes quite a lot of discomfort and worries both in the parents and in the children since there is much demand and high expectations, leading this to point the child to too many activities, often also motivated by the lack of time to have parents so many hours of work.

We give you 10 tips below to better take the dreaded back to school :

  1. Plan what you will need ahead of time .
  2. Try not to leave anything for the last minute .
  3. Do not point your child to too many extracurricular activities, one or two will suffice.
  4. Try to relax your self-demands and expectations about your child: the most important thing is that your child is calm and happy, and that you can enjoy this moment with him.
  5. Try to recover the routines established during the school year days before the return, as these will have changed during the summer holidays.
  6. Lift your children first, especially the first day of school to go calmly and relaxed .
  7. Remember to label your child’s belongings to avoid scares.
  8. Visit the school with them days before , especially in the case that your children are small, as this will make the idea and better familiarize your new school.
  9. Try to show an optimistic and happy attitude towards this change , so that your children learn from your example and share with you their new experiences.
  10. Get involved in the purchase of materials and books and in the choice and planning of extracurricular activities. This will help them feel more in control in the situation, more confident and increase their enthusiasm for the new course.

Another factor to keep in mind is that children experience very rapid changes in their body during their growth, so it is important to perform a health check before beginning each course. This will help us detect, for example, if our child has problems with eyesight, teeth and in other areas of his health such as psychological functioning. Many times this involves unforeseen expenses that we must add to the investment that already involves school materials, books and uniforms, such as glasses or orthodontics. And, how can we cope with these expenses? A good way to prevent costs from getting out of hand is to have good health insurance for the whole family. In addition, we must take into account what it includes at the time of hiring, and thus be able to guarantee that everything we need is covered.

Learn to save on holidays and even with children

Learn-to-save-on-vacation-and-even-with-childrenBefore planning a vacation you can save and even if you decide to do it with your children. Many times we think that it is practically impossible to save on vacations with children but, it is not like that. Here we give you the best tips to live a journey of madness and much savings.

While we already know that these are times to save and save money to ensure the financial stability of our home, vacations outside of our city do not have to be an ordeal for parents, and although they can be a luxury compared to basic expenses, save and having fun is possible.

The holidays you have to plan in a kind of minute by minute so that with this, always opt for the cheapest alternatives. In this way, start by planning and choose from dates to places you can visit so that the blow of those holidays is the least in your economy.

Start saving

  • Budget your trip

Before leaving your city, you must have a budget that specifies the amount of money you can spend on the trip. For that reason, it contemplates that the trips imply expenses that go from the transport until the meals.

With a budget you can determine how much you will spend on accommodation, activities, meals, field trips and so on. Now, you can limit your vacation to four days instead of seven and spend more per day.

However, the key to saving is to be true to your plan. Obviously situations will arise that jeopardize your budget as one of your children colds and you have to take him to the doctor, for that you must have an emergency fund.

In addition, you must contain your desire to spend as much as you can. Many people blame them for not buying “reminders” for their colleagues at work and end up spending a lot on things like that. Ask yourself, is it worth giving a keychain to someone who is not going to use it?

Now, if you see something that you can not pass up or that you think is worth it to buy it for your children then it would be very good if you have a “mattress of expenses” to be able to buy what moved you and that can be, from the tickets to a show to some local crafts.

  • Visit your relatives

If you do not have many resources to make a trip at this time or do not have to pay for a hotel, you can make this not a problem if you are going to visit a relative who lives in another state.

Obviously you have to visit a family member you talk to continuously and not just every birthday. Both you and your family will be happy to meet and, it is not for nothing, but children love to meet other children in their family because they learn to get along.

If you have teenage children, remember that they are or can be quite irritable so take advantage so that they know new experiences.

Adolescence is a fundamental stage in the formation of our identity, and a trip to the home of a family member can teach these young people a lesson in diversity and awareness of different lifestyles.

  • Come to free activities

Wherever you go do what you see, says the popular saying. Well, wherever you go, find free activities to do with your whole family. The local governments of many cities organize from festivals to fairs in which the costs are very low.

It is fun and educational activities in which your children can spend an entertaining holiday while you save.

The great thing about these activities is that they usually deal with the cultural traditions and generalities of the destination in question, so when you go to these types of places, you can show your children what diversity is.

  • Take your home with you

You would be surprised at how much you can save when you bring those things that are more expensive in tourist areas from your house. Therefore, in your luggage you can take from towels, bathing suits, sandals and sunscreen purchased in advance.

Carrying personal hygiene items or even food (such as canned foods) is always synonymous with saving, and well you have already noticed this in other trips. Compare prices at home and on the beach, you’ll be surprised how they can change.

In addition, to save you can promote the consumption of the local, these products are usually cheaper and genuine than what you can find in large supermarkets and also, you are teaching your children a lesson about supporting people from a place.

Why is it important to travel with the kids in the house?

Image result for children piggy bankAlthough we think that during the holidays the children can spend it in the house helping us with the housework, the reality is that the trips can be a great opportunity to teach new values ​​to our children.

It is not that it is not important for children to learn to contribute with household chores because with it we teach them responsibilities and things they will need in adult life, but when we take them out on a trip they acquire basic knowledge for their personal development, and for face the future.

At some point, and even before becoming parents, we all become aware of the importance of learning other languages, of knowing new cultures and that, if we want to compete, we have to investigate, analyze and search for information.

In addition, trips give us the possibility to solve problems, learn from confidence and have confidence in ourselves. Remember what they say there: children are like sponges that are absorbing everything they see and therefore, a trip can be the great opportunity for them to learn more and more.

As children become involved in the organization and planning of a trip, they become increasingly responsible. Each vacation can be a great experience to see how our children mature and acquire new knowledge.

Organize a trip together

When children participate in the decisions of the family regarding which destination to travel, they learn values ​​such as respect and the right to choose, but also acquire the idea of ​​consensus that is formed from dialogue.

An average family gathers 4 different opinions. The one of the mother who prefers to visit her family in a distant village, the one of the dad who wants to go to the beach to do nothing but be in the water, and the one of the kids, who may well dream of going to Disneyland .

For many parents it may seem absurd to ask their children what destination they would like to visit, but asking this question gives the children their place, the possibility to express their opinions and, at the same time, discover possibilities.

Now, with your children you have the possibility to build a story around a tourist destination. From the family stories that they could remember if they visit the distant town where their grandparents live, like stories in which your children have fun playing pirates on the beach.

The idea is that children always have a clear imagination and make use of it, always with the truth as a foundation, it can be a great opportunity to convince them to know an amazing destiny.

Once you have chosen the place you are going to visit, the rest is easier: you have to read, review booking sites on the internet such as TripAdvisor or travel blogs and gain knowledge about what you can do there.

If it is a plane trip, you can start by analyzing the daily prices of flights on many websites and different airlines until you find the ideal flight. You already know that “he who seeks, finds” so put those skills into practice.

In this feedback process, you can include the children so that they know the history of the place they are about to meet, the attractions (only those that are within the limits of your possibilities), and the activities they can perform on that site.

Remember that your family has needs and if it is about looking for a hotel, make sure your rates are fair, that they have breakfast included, near public transport stations and with secure locations.

If the trip in question is to the house of a family member, make sure that person will give you asylum and will gladly receive you on the days you will be in that destination.

Remember that nobody likes that kind of surprises, so out of respect and courtesy, it is better that you notify your relative about your desire to visit and stay at home. If you have that courtesy, it is most likely that he is happy to receive you.

So now you know, the more you plan a trip, the better the results and the savings will be much higher. Your children will have fun and you can have the peace of mind of being prepared for the future at the same time you relax.

To help you have a healthy personal finance at all times, we give you the following e-book with the best tips to distribute your salary and not suffer at the end of the fortnight.

The holidays should not be a luxury. If you know how to administer correctly you can have the best trip of your life in the company of your whole family.

Teach your children to save

Inculcate your children the wise habit of saving, although children do not have much knowledge of money, crisis or economic problems of their parents, it is good that from very young children learn to manage their money and save.We all remember those piggy banks of small toys like little pigs that tossed some coins through the slot with the hope of buying some toy we wanted. The truth is that these customs began to educate us, showing us the way of saving for which we had to enter our adult life.

Image result for children piggy bankNow, we are the parents and we are responsible for teaching this philosophy to our children. We all want our children, in addition to studying, to master perfectly the wise custom of saving. A subject that certainly does not teach us in our study plan.

In this way they will learn to value the money that their parents spend and we will be able to create in them very useful habits for when they become adults. Unlike other subjects that are learned in school, educational plans hardly include economic content. Although we must take into account the age of our child, since we can not treat a child of 4 years equal to one of 11, there are a series of generic recommendations to teach our children the foundation of home economics. 

Therefore, we suggest some tricks and measures to take into account to teach your children the importance of the saving effort.

  1. Assign a weekly payment. You can do it monthly but already when the child is more “advanced” in money management. Therefore, start with a small weekly amount that you consider appropriate to your age, neither too low nor too high. Do not exceed even if you can do it, since you would be doing wrong because you could buy all your whims and not understand the need to ration your small capital. This way they will learn to organize their economy, just as parents have to do with their salary, with which they have to face all household expenses.
  2. Explain where the money comes from. The effort that parents have to make each month to get it. It is not about being alarmist, just do not believe that money grows from trees, or that it comes free from an ATM. The idea is that they are aware of what it costs to earn it and how quickly it is spent when we do not plan our finances well. It is necessary to work in order to have a house, a car and a delicious meal on the plate. Children tend to think that money is unlimited or simply do not stop to think about it.

The best advice, as always, to lead by example. Children learn everything and copy the behavior of their parents, so if on one hand you talk about the importance of saving, but you can not prove it with your own savings, it will be difficult to believe you.