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     Are you a new parent struggling with multiple loans? Well, you are not alone. The latest data from the Census Bureau puts consumer debt in the US at 3.6 trillion as of April 2016.  On average every person in the U.S has a debt of $11,140. For household owners the average debt is of course higher considering they are grappling with unpaid student loans, mortgage, auto loans, credit card loans and many others.

     While the situation can be described as grave there are ways out of it. If you are grappling with multiple loans it is time to stop and take stock.  You must have seen situations where families end up losing their homes and sinking into poverty. It all starts with piling loans and as the pressure increases you are forced to default. 

     You need be an investment guru to bring up children who are financially savvy. In fact, you need not be a math whiz either. The most important thing is starting a conversation about money and maintaining it as your kids become older.

     Understandably, most parents feel uneasy about teaching their kids about money. Parents may have been taught that talking about money is unbecoming, may be afraid of what their kids may reveal at the playground, or may not be confident about their own financial skills. As a result, they may simply assume their children will somehow find out what they need to now.

     Children need to learn about the road to financial freedom at an early age. Even though the money they manage may be little, children who learn the basics of controlling money early on have a significant advantage over those that do not receive any financial training. So it’s not really about how much money they handle at that point; it’s about the lessons learn.

     The excitement of becoming a new parent can at times blind one to the looming financial implications. As a new parent you will mostly focus on giving everything you have to your bundle of joy.  This includes your time and love and as time goes on your bills will start increasing.  For most parents the discovery that there is more to brining a family than love and time comes too late. It is no wonder then that new families find themselves deep in debt within a few years.
     However, it is easy to avoid this pitfall by learning from mistakes other parents have done. This guarantees a more comfortable life and more peace of mind. With your finances under control it is easier to budget and bring up your new family without much hassle.
     Below are some of the most common mistakes to avoid as a parent to ensure you live a quality life:

This is a sponsored post written by me on behalf of Conscious Discipline. All opinions are my own.
     As our little ones grow into big kids they also have big emotions. I know my kids love big, cry hard, but they can also feel sad in a big way or get overwhelmed with anger too. As parents, we want to make our children feel better in any way that we can. Sometimes, when a child has big emotions, we can't always help. Instead, we need to teach them to self-regulate. This isn't something that is easy and comes naturally, to us or our kids. It is something that needs to be learned. That is why a program like Conscious Discipline can make all the difference in the world. 

     This is a contributed post which may contain affiliate links. 
     Money provides people, both old and young, with the opportunity to make decisions. Empowering, motivating and educating your children to save and invest regularly enables them to keep more of their earning and get more out of their spending. Daily spending habits have a huge impact on your children’s financial future. Here are a few basics you should teach them.

     The holidays are a season of hospitality with many people welcoming extended family members into their homes for some or all of the festivities. You don’t need a full guest suite to keep your visitors comfortable during their stay. Use these simple tricks to make any part of the house a cozy hideaway for your relatives, no matter how big or small.

     It’s important that your child has their own space in your home and that space is the bedroom. As they get older, this is going to be increasingly crucial because they're going to slowly become more independent. They won’t want to spend the evenings with you, they may spend it in their room, or they may head out with friends. They’ll also want privacy, and you have to provide them it. You can’t constantly be walking into their room and inspecting it. You should not be asking them to clean it or worse cleaning it yourself. From an early age, you have to make sure kids know this is their space. It’s their job to look after it and treat it how they please. Although if things get too extreme, you may want to take action. No one wants a room in a house covered with mold and filled with stale food. Even if it does belong to a terrible teen.

     Discover the Dinosaurs Unleashed is invading Pittsburgh this weekend and you don't want to miss it! This incredible event isn't just a walk through dinosaur exhibit. It is a nonstop adventure for your entire family. Dinos will be in Pittsburgh from Feb 3-Feb 5. If you live outside of the Pittsburgh area, see when they will be visiting you