Children are watching you.

We have come to the year end. A look back at what all we wanted to do in 2017 and how far we succeeded in that is imperative at this juncture.What ever important things remain to be done should be on top of The TO DO list for 2018. When we plan our progress it should be realistic and doable.If the planning process is gone through just for the sake of it then we may end up with a much bigger list at the end of 2018 also.If we have planned any bigger projects it is better to break the same into smaller tasks and involve other family members too in progressing towards the goal.

Repay all long pending dues,loans,credit cards etc. When bank loans are due and the bank representative calls on you don’t quote big defaulters…do your your debt.

your children are watching you.More than repaying the debt your actions will shape the future behavior of your child.

Keep things in order and in your control.Observe your income and expenses flow..Never ever place yourself to be a borrower..That is the most cruel injury you are inflicting on you and your family.Try to live within your means.

A very happy new year to all.





Earn while young

Whatever be the academic performance of our children it will be good if we encourage them to learn some income earning hobbies.With so much of technology and social media development today it is much easier to earn a decent amount for the teenagers and housewives.To begin with they can make imitation jewelry from materials other than gold.To day the youngsters and fashion conscious ladies prefer to wear non gold jewels as they are safer too. insurance agency is another cost free avenue suitable for housewives to look for additional income as also keep them  engaged during spare time. Philately,numismatics are very interesting hobbies which wii widen the horizon and knowledge about various countries,cultures etc at the same time a rare collection may fetch substantial profit also if sold.Technically capable persons with basic computer knowledge can start blogs,websites,uploading videos in you tube etc which will generate amazing income in the long run.Those who have the aptitude and willingness can try learning about mutual funds,stock markets etc and start investments with small amounts.Instead of traveling in the same beaten path why not try something new which will benefit us as also the family.