HELPFUL HINTS FOR THE WINTER SEASON
COMING DOWN WITH A COLD
When we get sick its our bodies way of telling us to slow down. Many of us try to ignore the first signs and push on with our daily routines. You should listen to your body. If you feel restless and need to move, then move. Mild to moderate exercise is fine when your sick with the common cold.
If you have a fever, the flu, muscle aches, fatigue or chest pains you should not do anything too strenuous. You need plenty of rest before returning to a intense routine.
Remember to cough or sneeze into the bend of your elbow, not your hand. Drink lots of liquid and get as much rest as you feel you need. Lightly spray disinfectant in rooms that you visit because germs can linger on for up to two days after you get better. When doing this you should pay close attention to door handles, phones, faucets, toilets, and kitchen counters.
When washing bedding and linen do so with laundry detergent and tumble dry on high heat.
Wash your hands for 15 to 20 seconds.
You should also throw away toothbrush, disposable contact lens, razor blades and mascara.
whole town sledding
Sledding and the slopes
We all use to like sledding and some of us still do it with our children. It can be fun and you get to spend some quality time with the kids. Remember that sledding can be just as dangerous.
How not to end up in the E.R
- Wear helmets. Sleds can go pretty fast and the helmet can prevent a head injure.
- Find a hill with a flat run at the end. Avoid hills where the bottoms meet streets, parking lots or frozen ponds.
- Dress in bright colors and in light layers of clothing.
- Use a sled with a steering mechanism for more control. Avoid inflatable snow tubes for they move really fast and you can be thrown off if you hit a bump or other obstacles.
- Always sit facing the direction you intend to go in.
HITTING THE SLOPES
Whether your hitting the slopes or trail, skiing downhill or cross-country you have to be safe.
- Ski with a partner and stay close to each other.
- Wear helmets.
- Only ski on marked trails.
- Be aware of hazards such as icy spots and obstacles.
- Start out slowly until you are warmed up.
- Make sure your boots and bindings are properly adjusted especially if you are renting them.
FINANCE AND BUDGET
With the holidays here and the economy as it is, finances and budgeting can be quiet stressful. First explaining to the children way Santa will not be able to get that one gift that they so wanted can be explained with using four quarters.
- 1st quarter--Taxes: Take this quarter and tell them the government collects taxes before you get your paycheck.
- 2nd quarter--Housing: Take second quarter and tell them that this quarter pays for house, lights, cable, etc.
- 3rd quarter--Transportation: While taking this quarter tell the kids that this pays for the car, car insurance, gas, and etc.
- 4th quarter--Savings, Spending, and giving: Explain need to save for future, give some away. After saving and giving you have to budget for spending-entertainment, gifts, and other wants.
- Ways to Teach Kids About Money - FamilyEducation.com
Teach your child the value of saving and spending wisely.
- Teaching Kids About Money - Forbes.com
By encouraging thrift and savings, you'll never have to utter the words, Money doesn't grow on trees.
DOLE OUT YOUR MONEY
There is a guide for household budgeting calculated on after-tax income:
- "Must have" needs total no more than 50%. Ex. housing, utilities, food, insurance.
- "Wants" total no more than 30%. Ex. gifts, clothing, entertainment.
- "Savings and debt repayment" total no more than 20%. Ex. emergency fund, college savings, IRAs, and loan repayments.
How much should you spend on housing? Groceries? The frustrating answer is 'it depends.' Now there's a way to figure it out, and it works regardless of your income. - MSN Money how-to-budget tips and articles
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