The Ultimate Beginner’s Guide to Budgeting and Saving

The Ultimate Beginner’s Guide to Budgeting and Saving

published on www.piggyy.com

That’s it! You did it! You are finally on your own, out of your parent’s house, and thrown into the real world full of opportunities and possibilities. You may have no idea how to begin this next stage in your life’s journey but don’t be alarmed, not many people are really prepared to become an adult and the first thing adults need to do is get their finances in order.

Budgeting

The first step in creating a working plan for the future is understanding what your budget is and how to stay in line with it. Well, it all begins with looking into your current expenses, income, and planning on what you can afford. If you are moving out of your parent’s house, begin by looking into where you want to move and the associated expenses. Are you going to need a car? Will you be given furniture or will you need to buy everything from scratch? Start with your largest expenses and work your way down the list remembering to include items most people would forget until they get the bill in the mail.

Rent 

Rent is one of the largest expenses for any individual or household. Rent payments should be seen as an umbrella term as your rent normally has many bills attached to it. Getting your own place offers so much freedom and with that a lot of responsibility. When looking for your new home, consider the neighborhood, what the average price of rents are and whether or not you should be getting yourself a roommate.

In many cases, such as moving away from home to go to college or university, rent prices in the area you are moving to are typically expensive. You will have many choices to consider such as living beside the school but paying higher rent prices for the location or living further off-campus but having to deal with the commute. This same concept applies to a new job. Consider all of these factors when choosing your new place and you can guarantee no surprises are waiting for you.

When calculating rental expenses and when discussing your contract understand the costs associated with your new home. Is it in an apartment building? There will probably be monthly maintenance costs that are not included in the rent. Electricity, water, property taxes, cable bills, phone bills, internet, and Netflix subscriptions are just a few of the bills a new place comes with and individually they don’t seem too daunting but when added up altogether can add hundreds of dollars onto your monthly expenses. Calculate what you will require in your new home, do some research online and determine what you can budget for as well as how much money you can actually afford to pay in rent.

Transportation

Moving to the city? Need to drive to work? Transportation costs are another type of expense that adds up quickly. Do you think because your car is paid off that this won’t affect you? Think again. Cars require gas, maintenance, parking spots, you can get parking tickets, and many other things that can surprise you. Consider what you will need monthly for your car and add it to your expense budget. In some cases, a parking spot in the city can cost more than rent and this is not something you want to have to worry about after you’ve closed on a rental property.

If a car seems way too luxurious for your lifestyle consider where you live and what a monthly bus pass would cost. Calculate how often you will be using taxis, trains, and other means of transportation, and add this to your budget. Maybe you will determine that having a bike is better and that you should purchase one and give up your car. Figure out what that would cost? By budgeting accordingly, you can prepare yourself for anything that the world throws at you and ensure you have enough saved up to get you that new set of wheels, regardless of how many wheels you’ve figured out you need.

Transitioning to STEM Toolkit for Students and Adults With ADHD or Learning Disabilities

Transitioning to STEM Toolkit for Students and Adults With ADHD or Learning Disabilities

posted on The University of Texas at Austin’s Website

According to the Centers for Disease Control and Prevention, almost 9 percent of U.S. children suffer from attention deficit/hyperactivity disorder (ADHD). Current researchalso indicates 70% of children with ADHD also have learning disabilities, which may hinder academic and career success. However, this difference in the way these children process information may be why many thrive in science, technology, engineering, and math (STEM) education.

The basic principles that inform STEM education – design thinking and creative problem-solving — are also conducive to successfully working with children who have ADHD, says Parentology. This is in part because students with ADHD tend to be able to reason problems out intuitively, without having to practice a conscious reasoning process, according to Study.com. Moreover, the creative and design-oriented nature typically seen in children with ADHD and learning disabilities may lend itself well to STEM’s core methodologies.

Using the resources in this article, parents, caregivers, teachers, and early childhood educators can connect youth with ADHD or learning disabilities with STEM education opportunities. Additionally, resources are available to help adults with ADHD and learning disabilities transition to the STEM workforce.

The Calais Adult Transition Program

The Calais Adult Transition Program

Struggling to stay afloat in college? The Calais Adult Transition Program offers support to individuals with special needs looking to pursue higher education and employment. Calais provides on-site college and career readiness services for young adults ages 18 to 30 with mental health conditions, autism spectrum disorder, learning disabilities, and other special needs.
Services and Support includes:
  • Work-Study Model
  • Tailored to Your Personal Needs and Goals
  • Services on Your Own Schedule
  • Academic and Therapeutic Support
  • Life Planning and Career Counseling
  • Social Opportunities
"The various psycho-educational testing Dr. Liz conducted on our son gave us critical clues about where his learning strengths and weaknesses lie so that his needs could be better addressed at home and school. Moreover, because of their warm, kindhearted personalities, both Dr. Liz and her associate, Stephanie, formed an immediate bond with my son. He eagerly looks forward to his weekly therapy sessions. We are so lucky Dr. Liz came into our family's lives when she did! For stressed-out families trying to help their children as best they can, she is a calming voice of reason!"
- Julie C.
"Dr. Matheis has a remarkable ability to understand the unique needs of her patients and address them constructively. She builds strong, meaningful relationships with patients and their families, encouraging trust and collaboration. When working with my son who struggles with autism-related anxiety, she created an environment in which he was able to calm down and open up to her in ways I had not seen before. She was able to reach him and helped him work through his crisis/problem. Most importantly, she empowered him to move forward."
- N.L.
"Dr. Matheis is amazing. She has tremendous resources and loads of energy. She is not willing to accept anything less than the most effective results for her clients. She made me feel as if my son was her top priority throughout the entire process. I would, without reservation, give her my highest recommendations.  Thank you, Dr. Matheis!"
- Anonymous
"Dr. Matheis has an amazing ability to read kids and connect with them. She has been an invaluable resource for our family over the past several years and has helped us with everything from educational consulting, to uncovering diagnoses as well as family therapy. Working with Dr. Matheis never feels clinical and most importantly, our children love and trust her. We can not thank you enough Dr. Liz!"
- Anonymous
"My teenage son had been seeing Dr. Matheis through his senior year of high school, as he was only diagnosed with ADHD at 16 years old.  Dr. Matheis came highly recommended from our pediatrician and she has done wonders for our son as well as our family, navigating new ways for him to deal with his diagnosis without the use of medication.  She taught him ways to organize himself and even when something did not work for him, she patiently continued teaching him new ways to keep himself on track.  She has also helped us as parents to understand how his mind works so that we did not continue to blame his lack of focus on him, rather on his unique way of thinking.  Thank you Dr. Matheis!!!!"
- LG
"Dr. Liz is the best! Our family was directed to her by our Pediatrician to assist with figuring out severe mood changes, severe anxiety, strange new fears and food aversion that had come onto one of our children literally overnight. After just a couple of visits, she suggested that the issues may actually be rooted in a physical issue and suggested we immediately take our child to be swabbed for strep, because Dr. Liz suspected PANDAS (a pediatric autoimmune disorder brought on by strep). The same Pediatrician that suggested Dr. Liz would not do the swab (they do not believe in PANDAS and we no longer go there) but I took my child to my doctor who did the swab and it was positive for strep. When our child went on antibiotics, within 24 hours all symptoms went away and our child was back :-) Dr. Liz then recommended a PANDAS specialist who helped us and our child is in complete remission and is happy and healthy. We are incredibly grateful to Dr. Liz for her knowledge of all things, even the most remote and unusual and for helping us so much! Thank you!"
- Anonymous
"The various psycho-educational testing Dr. Liz conducted on our son gave us critical clues about where his learning strengths and weaknesses lie so that his needs could be better addressed at home and school. Moreover, because of their warm, kindhearted personalities, both Dr. Liz and her associate, Stephanie, formed an immediate bond with my son. He eagerly looks forward to his weekly therapy sessions. We are so lucky Dr. Liz came into our family's lives when she did! For stressed-out families trying to help their children as best they can, she is a calming voice of reason!"
- Anonymous
"Thank you, Dr. Liz. Although we have told you countless times, it will never feel enough. You have listened when J could barely speak and continued to listen when he was sad, angry and confused. You've challenged him and directed us in our roles as parents. You've helped J face his fears while the list evolved and changed, and yet you've stayed committed to 'the course.' We pray that your children realize that time away from them is spent helping children learn and that vulnerability is a sign of strength and bravery."
- June I
"My son was admitted to an Ivy League school when only 2 years ago, you assessed him and saw his struggles, his Dyslexia. We are grateful that he no longer has to carry that deep feeling of inadequacy or shame that must have kept him so self conscious and from reaching his potential. He has the PERFECT program for him. He has A's in high math and economics. He became a Merit Scholar, a Boys State legislature, the HEAD captain of the football team and help a job ALL while studying and managing his classes and disability. I am PROUD of you, a young doctor, who knows and sees the vulnerability of children and helps them recognize "it's NO big deal" God bless."
- Anonymous

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