Part of the responsibility of a parent or caregiver is to help children establish good and healthy habits as they grow. A Brown University study that focused on habits in children found that routines and patterns of responsibility are unlikely to vary significantly after the age of 9 years old.
You have this huge cloud hanging over you while trying to be positive, but it is weighing you down and winning the battle despite your efforts because you really do not know how you will eliminate your stressful high interest debt.
Being house rich and cash poor is absurd but, for many of us, the reality is that the end of the month means not enough cash inflow and too many outstanding expenses. Let’s face it, the costs of housing, childcare, and debt service have increased well over our take-home incomes in many cases.
Spring is in the air and like most Canadians you are probably engaged in spring cleaning, throwing out stuff you don’t want, getting rid of the clutter built up over the winter, and maybe buying new stuff like patio furniture, garden supplies or a new Bar B Q.