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Browsing posts in: Saving Money

Pay More on Less or Less on More?

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Things are bad around here. I’m starting to get shut off notices from utilities and so on. I found myself Googling things like:

What jobs pay $200,000 per year

How far behind can I get on my mortgage before they foreclose

How far behind can I get on a car payment before they repossess

And I’ve been multiple places, jewelers that buy jewelry and pawn shops, trying to sell my “blood diamonds”. That’s what I call all the really expensive gold/diamond jewelry that my ex-husband would give me whenever he hit me as an apology. Evidently jewelry is not worth anything. So I still have it all. (I’ve sold all the “just gold” in the past when things were tight. But I hate to just give this jewelry away. I have the receipts, I know what was paid for it. Any suggestions for selling diamond jewelry but not giving it away? (I do have it all listed on Facebook Marketplace.)

I actually felt a little better after my night of Googling because I think I have at least through the holidays. With this paycheck I’m catching up enough on utilities to not get them shut off before Thanksgiving.

My Question

Here’s my question. Is it better to pay a little on a lot of bills or pay a lot on a single bill?

I’ve just been flying by the seat of my pants in what I pay. Prioritizing those that are about to get shut off or cut off or…you know what I mean. Thank God, that’s been enough to keep anything from getting shut off up until now.

But the reality is my car insurance bill is more than 1/2 my take home pay right now. And that doesn’t leave enough for my mortgage, utilities, food, etc. Then don’t get me started on minimum debt payments.

So my question is…

Do I pay a little on a lot of things and hope they will see that as effort? Or do I just pay a lot on the big things?

Any way you look at it, if I don’t start getting some serious cash flow coming in, January will be full of hard decisions.

Update on FreeCash.com<-link to my review on making money on Free Cash

I mentioned that I expected to have made about $75 for some the of the challenges I completed during my first hour on Free Cash but that it could take them 10 days to verify completion. Well, that $75 did hit my Free Cash account and I officially made $77.66 my first hour on that site.

Now I don’t know if that is something I can maintain as it has been challenging to find Offers/Surveys on the site that I qualify for or that I will do. Many of them require you to play games to a certain level. And I haven’t tried those yet because gaming is not really my thing and trying to get to Level ???, well, I’m not sure how long that could take.

But I am trying out some other recommended survey sites, etc. at night and will be posting some additional reviews and earnings over the next month.

 

How to Prepare a Young Child for a Large Surgery

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A surgical procedure can be frightening for an adult. It’s most likely twice as scary for a child. However, you can help your son or daughter navigate this unique experience by incorporating some helpful practices. These are tips for preparing your child for an extensive surgery and ensuring it goes as smoothly as possible.

1. Choose a Reputable Hospital

Choosing an establishment or doctor with an excellent reputation is a surefire way to ease your anxieties about your child’s surgery. The less anxious you are, the more quickly you can prepare your child for the procedure.

Johns Hopkins reported that more than 251,000 deaths happened in 2013 because of medical errors. Thus, it will help if you choose a facility that has a low error count. You can research the number of malpractice cases a particular surgical establishment has and then choose a provider based on your research findings.

2. Give Your Child an Early Education

Early education opportunities make overall life better for children. You can boost your child’s social and emotional skills by enrolling him or her in a good preschool program. National University claims that getting a child into school between their first few months of life and 5 years old is a great way to kick-start the skills necessary to process potentially traumatic situations, such as surgery.

3. Discuss the Procedure With Your Child

One of the best things you can do is talk to your child to make this experience more comfortable. You’ll need to be able to speak to your son or daughter on their level, so they’ll understand they need the procedure to get better. Ensure your child that you will be there to hold their hand before and after the process. Also, ask them if they have any specific fears and address them before the procedure in the most tender way possible. Your child probably needs to know that he or she will be okay and that you love them unconditionally.

4. Buy a Comfort Item

You could also invest a little bit of your money and buy a comfort item for your son or daughter. That might be an extra blanket in case they get cold or a teddy bear they can hug until it’s time to have the surgery. Any little effort on your part will help ease their mind and relax them for the surgery that will soon come their way.

5. Have Them Meet the Surgeon

Another great way to ensure your child goes through the surgery is to have him or her meet the surgeon beforehand. A personable surgeon is what your little one needs to feel secure about the procedure that’s coming up. Please think of this experience as similar to when taking a child to his or her first dental appointment. Going in and meeting the provider beforehand usually gives the young person a sense of trust and security. Thus, you’ll want to consider doing that to improve the experience for the little one.

6. Take Them Out for Some Fun

Finally, you can help prepare your child for the surgical procedure by taking them out for fun. This activity will significantly depend on their health condition and restrictions. However, consider taking them out for ice cream or a meal at their favorite facility. You can also take them to a movie or a nice walk on the beach. Please do something to let your child know you’re proud of them for having the courage to go through the surgery.

It will help if you do the same when the procedure ends. Take the little one to do something fun after the recovery and medication-taking period. There are over 30,000 prescription dispensaries in the U.S., according to Envicare. Ensure you purchase and administer all medications and your youngster is well before doing the second activity. That will probably make him or her very happy.

Use the tips above to help your child get through a surgical procedure. They’ll get through the procedure well and your bond will be stronger than ever.