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8 Ideas for Your Teen’s Christmas Present

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8 Ideas for Your Teen’s Christmas Present

Picking a Christmas gift for a teenager is a tricky task. Just a couple of years ago they would be smitten with a huge jar of candy drops and a new set of colored pencils. A surprise or a discovery were the main thrills of the present while they were kids.

Now your teen has a mile long wish list and it contains items they can brag about in Snapchat – like the newest gadget everyone talks about or a holiday tour in Europe. They surely know who brings them presents, but still, have only a vague concept of where the money comes from.

To bring back the magic you should really know what your child wants and dreams about deep down under the sheer desire to impress their friends. Look at what they are passionate about, and encourage this passion with your gift. It doesn’t have to be expensive to impress them, but it must be carefully chosen to show your support and recognition of their interests and appreciation of their individuality. This is the kind of present that creates warm memories!

1. For Avid Gamers

Video games are a favorite pastime for the vast majority of teens. Fact!

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However, some are more serious about it and might even have the ambition to become professional players in the future. Those having such aspirations will be excited about a new game console, a set of advanced controllers, or an accessory such as a mini rocking chair with a speaker for the immersive gaming experience.

They also might appreciate a themed artwork or collectible item, only make sure you get the right title and the right character to hit the nail on the head.

2. For Outdoorsy Teens

If your kid loves camping, hiking, sports or generally prefers spending their free time out in the open air, they’ll be excited to find a bicycle, a pair of rollerblades, a swagway board, a geocaching starter kit, or some cool camping equipment, such as a stove with USB-charger or something similar.

In fact, everything that combines technology with outdoor activities is a nominee for a successful gift. If your teen loves traveling, you can give them a scratch map to mark each journey.

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3. For Music Lovers

For those who cannot stand silence, there is a wide array of options from Star Wars headphones and wireless earbuds to Bluetooth waterproof speakers to sing along in the shower. However, you can dig deeper.

To encourage your child to take more active interest in music you can give them an instrument. Something as small and simple enough as a pocket guitar practice tool or a blues harp is a perfect start of a beautiful friendship with musical creativity.

4. For Beauty Aficionados

Jewelry stands and makeup palettes, colorful spray chalk for temporary hair dyeing (DIY style), a piece of piercing jewelry (accompanied with a salon gift card and your permission to use it, which probably is the actual present), a gift card for a mehndi courses – why not?

If your teen is passionate about beauty, style and fashion experiments, it can be a start of a designer career. Alternatively, they will just have hours of great time and oodles of fantastic pics for their Insta. Not so bad either way.

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5. For Romantic Souls

Something with a hidden meaning that says ‘I love and cherish you’, ‘I believe in you’ or ‘I trust you’ will touch their hearts. Romantic and impressionable teens will like personalized journals (with tiny padlocks and their name on it), artsy posters with inspirational quotes, paired pendants or key chains to share with the BFF, and stylish magnetic boards for their bedroom doors to keep concert tickets, snaps, cards and other mementos.

You can also try lucky charms with dry flowers that are in bloom on the day of your teen’s birthday or something equally personalized and metaphorical.

6. For Science Geeks

STEAM puzzles, a telescope, a microscope, a chemistry lab kit – whatever is to their liking. A tip: if you wonder whether a particular article is age-appropriate, take something for older kids. Anything that falls an inch short their expectations is instantly stigmatized as ‘lame’ and ‘for toddlers’.

If safety rules do not allow using some of the equipment below a certain age, it’s better to provide parental guidance and have some quality time together messing around with a ‘dangerous’ stuff than opting for something less sophisticated.

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7. For Art and Etsy Enthusiasts

Mini-looms, starter kits for string art, needle felting, scrapbooking, big art sets with watercolors, pastels, brushes and a book on drawing technics – everything that promotes creativity and self-expression also makes a perfect gift.

Besides, arts and crafts are very soothing activities, so it most certainly will help your teen to cope with anxieties.

8. For Those Into Old-School Stuff

Teens today also can be crazy about retro and vintage. For them, you can pick some antique books shelf holders (and a selection of books for that matter), retro instant cameras, and generally old-timey looking accessories such as record bowls, tape cassette boxes, mini-coolers for soda and snacks shaped like a streamline fridges.

To strike the right chord and see how their face lightens up instead of cringing with disappointment, do your homework. See if your teen likes one big present or a pile of trinkets, do they like to see their presents on the dressing table upon waking up or chase around the house finding the clues that lead them to the cache. Make a gift an experience!

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Featured photo credit: Scott Hadfield/Flickr via flic.kr

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Last Updated on July 20, 2021

Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

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Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

Have you ever considered your life now, and how it would be if you had more time to spend with your family and less worries about money?

Nowadays, financial stress is one of the most troublesome weights in life. If you’ve ever encountered financial stress, you know the difficulty of not having enough income to pay your obligations or bills.

Many people say that money is not the ultimate goal of life. While that’s true, money certainly plays a very significant role. The meaning of financial freedom changes with the different phases of our life, but ultimately, it is something that many people strive for.

In this article, we’ll explain how to capture that financial freedom you’ve been looking for. Read on to learn the secrets to financial freedom.

Break Free of Your Finances

Financial freedom is about having a constant flow of cash from your assets to cover all your regular needs.

When you are not worried about your income, or living paycheck to paycheck, you gain a great sense of freedom. It’s the freedom to be obtain and do what you truly need to make your way through everyday life.

Gaining financial freedom, though, is a process of growth, making small improvements and gaining emotional strength.

Though it seems hard to believe, it is really very simple to get financial freedom.

To do so, you simply need to make sure that your assets exceed your liabilities. In other words, you’ll need to find the sweet-spot where your residuals meet or surpass your expenses. This is something that you can achieve with the proper plan.

While not every person will accomplish financial freedom, the potential for anyone to do so is certainly there. Anyone can achieve this success, regardless of their income level.

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Outlined below are 9 secrets that will help you in your goals of achieving financial freedom.

1. Stop Unnecessary Spending

We often spend money inwardly, instead of objectively.

For example, you may spend when you’re anxious, depressed, restless, exhausted, from fear of missing out, or to please others. This is a very unhealthy way to handle your finances.

To stop this habitual spending, log down all your spending over the course of a month.

Just as some people keep a food diary, keep an expense diary. Remember not to just write down how much and what you spent the money on, also include the circumstances of why you spent the money. Was it an impulse buy at the checkout line or was it something you planned to purchase?

This increased self-awareness could enable you to avoid triggering situations in the future when you are considering an impulse buy.

2. Plan a Monthly Budget

This is a great opportunity to get serious.

Take a seat with your spouse or partner and make a monthly budget based on your income, not your expenses. You are never again going to spend more cash then you have on hand.

Overspending is the thing that led you to more financial obligations. Make sure you decide every month what is coming in and what will be going out and stick to that budget… no matter what.

3. Cut-up Credit Cards

Perhaps you are the type of person who always pays your credit card balance in full before the end of your billing cycle, and enjoys the reward points you gain. If this is the case, then you’re already way ahead of the game.

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If not, you may want to consider ridding your life of the burden that credit cards bring.

Many cards have strategies set up so that if you make a certain number of late payments, they will raise your interest rate much higher. This can really add up in the long run and you won’t be doing your financial situation any favors. If you’re prone to late payments or have a large balance due on your cards, cut them up!

Without proper self control on credit card spending and payments, you are basically throwing your money away. To ensure that you have better control over your spending, use only cash or debit for all future purchases (and don’t forget to pay at least your minimum payment on your cut-up cards each month!).

4. Increase Savings

There is no doubt that for a comfortable retirement you must accumulate satisfactory savings throughout your working life.

It’s good practice to save up to 15% of your income.

Start with your workplace 401(k), if you have one. If not, a Roth IRA (if you are eligible) or a traditional IRA (if you are not eligible for the Roth) are the next logical steps.

Increase in longevity means you might be able to look forward to 25 to 30 years in retirement, or possibly even significantly more. Investing now in good retirement plans will ensure that you have a guaranteed a stable monthly income when the time comes to stop working. [1]

5. Invest Wisely

Consider investing in funds.

Specifically, you will gain higher returns if you invest in different types of mutual funds such as Debt funds, Equity funds and Hybrid funds with a proper balance, although it absolutely relies on your personal preferences and sense of risk taking.

To get the most of these benefits, make sure you are investing in a variety of assets. Another resource of investing in mutual funds is SIP (Systematic Investment Plan) where you invest some money every month in funds. SIP works by averaging the per unit price of the stock.

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Mutual fund investors are aware of the benefits of an SIP (Systematic Investment Plan). For one, it is the most secure way to invest in equity mutual plans so that wealth is created over a long period of time. This plan also helps you to gain a better sense of financial discipline, which will come in handy in all your financial endeavors.

6. Invest in Gold

There isn’t really a better way to invest in gold than to have the physical gold itself in your possession.

You can purchase gold coins and bars from mints as well as from coin dealers and other private sellers.

Another way to invest in gold is through ETFs (Exchange Traded Funds).

These are is similar to mutual funds but they are exclusively investments of gold. ETFs are great because they offer more liquidity; the ETF owns the actual physical gold, stores it, and retains the value of the shares. These shares can then be bought and sold in the stock market, and one big benefit is that the transaction costs of gold ETFs are much lower than the that of physical gold.

With its consistently-increasing demand, investment in gold can be very wise long-term investment to make.

7. Stash Emergency Funds

Whether it’s a cash gift or a work bonus, always try to save any extra money that comes your way rather than making unneeded purchases.

If you get paid every other week, you’ll get an “extra” paycheck (three rather than the usual two) twice a year. Either save those paychecks towards your emergency funds or utilize the money to pay down other obligations, such as loans, credit cards or other debts.

Make it hard to get your cash.

Put your savings in an alternate bank, maybe an online bank that forces you to delay for several business days before transferred money hits your regular bank account.

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8. Find Fabulous Mentors

Find a mentor, such as a friend or family member, who has exceptional control over their finances and pay attention to everything they do.

If you do not have any friends or family that are enjoying financial freedom, then find a mentor online! There are numerous blogs and guru websites featuring the advice of many people who have reached financial freedom, and they exist primarily to let you in on how to achieve it for yourself.

There are also plentiful forums available that share tips and tricks on how to best achieve financial freedom. Read as much as you can and start changing your habits for the better.

9. Be Extra Patient

Patience is the key of financial success.

Being patient can be quite tough, especially when you’re struggling with your finances, but having faith is worth it. You’ll continuously be on the right track if you are taking the proper steps above.

So don’t be discouraged, even if you are only saving a few dollars a month; it all adds up. Within just a few years you’ll look back proudly at your accomplishments and be glad that you had the patience to get there.

Financial Freedom for All

Anyone can achieve financial freedom, regardless of their financial circumstance.

Use the tips provided above to get yourself on the track to financial freedom and toss your monetary concerns out the window. If you wish to achieve a life with financial freedom for yourself and your family then you must adopt a disciplined approach towards your finances.

Following the simple secrets above is a great start to making your money work for you, so you can work less and live more!

Featured photo credit: rawpixel via unsplash.com

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Reference

[1] Hartford Gold Group: IRA Retirement Accounts

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