Baby Planner

Check your domestic economy

Related imageA baby is a change in your life, also financial. Create a mattress to better cope with new expenses and ensure your economic peace of mind

The news of a pregnancy causes a lot of happiness, but it also demands an economic reflection. To prepare, it is advisable to make a thorough review of the economic situation and reorganize the expenses to adapt them to the new family budget , to avoid future straits.

The control of the family economy

The monthly income of a family, with or without children, must cover basic needs, face possible debt commitments and, above all, guarantee a stable economic future. In this sense, for example, the 50-30-20 rule is a good option to structure income and expenses .

The 50-30-20 rule involves dividing the income into three main spending groups:

  • 50% of the income must be destined to cover basic needs such as the payment of a rent or a mortgage, but also of food, energy, displacements, etc.
  • 30% of the expenses are reserved for useful or attractive goods or services, but not really necessary. Here, questions as diverse as leisure, technological whims, vacations , etc., would enter.
  • 20% of the income should be saved , at best in a separate account.

This control of the domestic economy guarantees a good management of income and, in addition, allows in the long run to create a financial cushion to cover sudden or unforeseen expenses. And this, what any family should do, is if it is more important before the arrival of a baby.

What expenses does the arrival of the baby cause?

The expenses of a newborn are high. In addition to clothing and hygiene products, you need a lot of accessories that facilitate their care and ensure their safety, such as strollers, bathtubs or seats for cars, which represent a significant outlay.

To these extra expenses we must add:

  • A greater heating expense in winter and air conditioning in summer (to cool your room before bedtime, since the air should not be put with the baby in the room).
  • Possible medical expenses in case of illness for medicines or specific care.

In addition, we must bear in mind that at these fixed and unforeseen expenses of the baby can add other setbacks of day to day that can dislodge the budget, such as breakdowns in the home or car, payments of the income statement, expenses for a sudden illness, dentist … etc.

According to the National Institute of Statistics (INE), the birth of a child can trigger expenses up to 40% . This fact, therefore, requires the family unit redistribution of expenses to adapt to the new situation. And the reality is that any of these expenses can be better borne by providing a little.

BBVA Bconomy You can control expenses by comparing them with people like you, create your financial cushion to live more quietly or set a saving goal.

Support instruments for forecasting expenses

To be able to have an adequate saving capacity and a correct handling of money, it is necessary to find a good value for money in the decisions of each day. This affects both the daily purchase, as well as other more important decisions such as rents, indebtedness or other long-term financial commitments.

As a starting point, it is convenient to do an X-ray of expenses and income to know exactly where it goes and where the money is going.

BBVA customers have a wide range of tools at their disposal to help them meet their savings objectives:

  • The tools My day to day, My Goals and Budgets allow direct control of expenses and invoices.
  • The Budgets tool allows you to select one or several categories to establish a budget and the limit amount for that month or the following.
  • The My Goals tool , available on the BBVA App or on bbva.es, serves to create savings goals and know or design itineraries to carry them out.
  • The My Day tool allows you to review your finances day by day. The added option of controlling the movements also allows one step to know the profile of the expenses in detail and, consequently, to proceed to eliminate them. A virtual piggy bank helps you keep a daily savings account.

This type of tools will not only help you to make things that you thought were impossible with your savings, but also to coordinate the expenses and income of the family economy before the arrival of a baby.

Baby Planner

Children savings products for your children

We tell you what some of the savings products for children are and how they work

From the moment you become a father or mother, a new concern comes to your life: to have enough money to cover the needs of your children. Not only have to think about the current needs of the baby, but also in the future ones, because when your children grow new expenses can arise such as the study of languages, courses abroad or the university. You may even consider saving so that when they are of age they have a small mattress with which to start their adult life. Whatever the reason, accounts with different instruments to achieve savings.

Savings accounts for children

The accounts for children are an easy and safe way to save for the future of the children.

In BBVA you have the Miniblue Account . It is a free account and a perfect option to save money for birthdays, gifts, etc.

To open it, you just have to go to a BBVA office and bring:

  • The DNI of the minor (mandatory from 14 years old) on both sides, or failing that, the tax identifier (for minors under 14 who do not have DNI) that is requested at the Treasury.
  • The Family Book, Literal Certificate of Birth or any other document that proves that the father is the legal representative, since the representatives of the account must be the two parents or one of them.

Investment funds

Investment funds The investment fund allows us to have a part of our money invested generating a return, and rescue it when you have to pay expenses such as, for example, the enrollment of the university. In this case, the product can not be in the minor’s name and must be made in the name of the parents.

Since the objective is to invest money to generate additional interest to cover future expenses, it is advisable to opt for investment funds with variable income or with long-term income. BBVA has a wide catalog of investment funds that are very easy to hire.

Contract actions

Another financial possibility that we have to save for the future of our children is to contract an automatic subscription of securities. This means that you agree to enter an amount every certain time during a period that is usually long. With that amount, the bank will buy shares listed on the Stock Exchange. The Client can determine where he wants to invest (Telefónica, Iberdrola, BBVA, etc.).

When listed on the stock exchange, this financial option could have positive long-term results, so you can evaluate this option to save for future studies of your child, such as trips abroad or college payments.

Hire a savings plan

A savings plan is a financial product aimed at accumulating a long-term amount of money.

  • Periodic or extraordinary contributions are made that, in turn, generate interest.
  • By contracting it you can establish that the children are the beneficiaries of the plan. Otherwise, you can be the beneficiary yourself and enter the money, once rescued, in your children’s accounts.
  • The plans are designed for the moment of retirement, but can be rescued at the time you want. This factor differentiates savings plans from pension plans and converts the former into a perfect financial instrument for saving children.
  • Savings plans have a taxation many times more advantageous than other savings products.

Baby Planner

Financial aid for the birth of a child

Image result for single momWe tell you what are the subsidies offered by the State for the birth of children and how to access them

In recent years, the birth rate of Spain has experienced a considerable decline. With the aim of promoting it and avoiding becoming a country with an aging population, in addition to maternity and paternity benefits, the State offers a series of financial aid for the birth of a child.

1. Maternity grant

Workers who do not reach the minimum contribution period to receive the maternity benefit are entitled to 16 weeks of rest and a non-contributory subsidy of 42 days equivalent to 100 per cent of the public multi-purpose income indicator (IPREM), fixed at 23.59 euros per day for 2017.

2. Maternity deduction

Working mothers can deduct up to € 1,200 per year for each child under 3 years of age in Income Tax . You can ask for the advance payment (100 euros per month) presenting the model 140 through the internet, by phone (901 200 345) or in person at a Delegation or Administration of the Tax Agency.

The model can be downloaded from the Tax Agency website.
Requirements

  • Working women with children under 3 years of age.
  • Women who carry out a work activity on their own or their own and who are registered in the corresponding Social Security or Mutuality system.

What is Baby Planner? Baby Planner helps you plan your time and your finances so that having a child is the best experience of your life icon biberon tcm924 690373

3. Provision for birth or adoption with a disability from 65%

It is a single payment benefit granted by Social Security for families that do not exceed income limits.
Who can request the help?

  • Single-parent families , that is, single parents or mothers.
  • Large families , that is, with 3 or more children.
  • Mothers with a disability equal to or greater than 65%.

Requirements

  • The income of the family unit can not exceed the limit established by law for each year based on the number of children. In 2017, the minimum limit with one child was € 11,605.77. You can check the current limits on this page of Social Security.
  • Reside in Spain
  • Not have the right to another benefit of the same nature in any other public social protection regime.

How much is charged?

In 2017, the aid was € 1,000 in a single payment . However, reduced assistance can be received if the family income exceeds the initial limit, but not the maximum established by law. In these cases, the amount will be the difference between the maximum limit and the income of the family unit requesting the aid.

This benefit is compatible with childbirth or multiple adoption assistance.

Being a family benefit, is exempt from income tax.

4. Help for childbirth or multiple adoption

It is a single payment for childbirth or multiple adoption (when two or more children are born or adopted at the same time). If any of the babies is affected with a disability equal to or greater than 33% compute as twice.

Requirements

  • Reside legally in Spanish territory.
  • Not be entitled to benefits of this nature in any other public social protection regime.

Beneficiaries

The help can be requested by any of the parents in the offices of the National Institute of Social Security of the town where the family unit resides.

  • If they live together , they must agree on who asks for it. If they do not reach an agreement, it is systematically granted to the mother.
  • If they do not live together , it must be requested by the parent who has the guard and custody.

Amount

To calculate the aid, the Minimum Interprofessional Salaries (SMI) of the year of birth and the number of children born or adopted together are taken into account.

  • If you have 2 children : the SMI is multiplied by 4.
  • If you have 3 children : the SMI is multiplied by 8.
  • If you have 4 or more children : the SMI is multiplied by 12.

5. Aid for daycare

Nursery school is one of the highest expenses faced by working parents with children under 3 years of age.

At this stage, education is not compulsory, so the supply of public nurseries is much smaller than that of schools and institutes and does not cover the actual demand.

Financial aid for the nursery depends on the autonomous communities . The amount and requirements vary a lot depending on the place. It is advisable to consult the conditions in the administrative body that manages the social services in your autonomous community and, just in case, also ask if there is any help in the town hall where the child is registered.

Baby Planner

Aid for single-parent families

They are a new family model with different needs and, therefore, they have some concrete help

Image result for single momThe single-parent family is one that is formed by an adult-father or mother- who is in charge of one or several of their children , natural or adopted.

In this type of family they enter, therefore:

  • Men or women who face maternity or paternity alone , either through natural pregnancy, assisted reproduction or adoption and, in specific cases also those carried out abroad by surrogate pregnancy (since this option is not legal In our country).
  • Families formed by a widowed spouse and children (from two children, in addition, the family is large).
  • Families formed by a separated or divorced parent who remains in charge of the children without joint custody.

Currently, single-parent families are a family model more and an upward trend in which women predominate. According to the report “Women with shared family responsibilities and employment” of the Adecco Foundation , single-parent families have increased 78% in recent years, and of these, 9 out of 10 are headed by women.

The most difficult thing for the parents of single-parent families is to organize work and family, that is, to reconcile , since they are alone to take care of the children and only have their income, and thus it is difficult to benefit from a reduction in working hours that also reduces income and, even more, request a leave of absence.

Aid for single mothers:

As single-parent families are relatively recent, there is still not much support for this group, although in general, there are more facilities for single mothers than for men who face paternity alone.

There are two types of aid that single-parent families can choose from: those established by the various autonomous communities at a general level and some municipalities and state-owned ones.

Regional aid:

The aid of the autonomous communities and municipalities can be consulted on the websites of social welfare departments or town halls.

There are different aids depending on the community or the town hall . For example, in Galicia single-parent families have discounts of up to 50% in summer youth activities and in the city of Madrid they have a 30% discount on the municipal sports season ticket.

In some autonomous communities, such as Valencia or Catalonia, a single-parent family title is issued that allows access to different aids, such as discounts in public nursery, transportation, teaching, etc.

State aid:

Family check

It is a deduction of 1,200 euros per year in the IRPF to which can be accessed, among other groups, single-parent families with at least two children. You can ask for the early payment, at a rate of 100 euros per month, presenting the IRPF model 143.

Special help for birth or adoption, for single-parent families, large families or mothers with disabilities of 65%

It consists of a single payment of 1,000 euros. In order to receive it there is a minimum income limit that is marked each year according to the dependent children. You can check this link for social security.

If the maximum income limit is exceeded, but no other maximum established by law is reached, a reduced subsidy equivalent to the difference between the maximum limit and the income of the family unit can be received.

In addition, single-parent families can access the same aids as the rest of the parents.

Benefit for dependent child:

Mothers with a child under 18 years of age (or older, if they suffer from some type of disability) can access an aid of 291 euros per year, provided that their income does not exceed 11,576.83 euros per year. Starting with the second child, the help increases by 15% for each of the children. More information.

Maternity deduction:

Working mothers can request an annual deduction in the IRPF of up to 1,200 euros until the child reaches three years. You can ask for payment in advance, at a rate of 100 euros per month on the website of the Tax Agency.

Baby Planner

How to save on your baby’s expenses

We give you a series of tips to reduce the high cost of a new member in the family

Related imageThe popular proverb that says “children come with bread under their arms” is not as true as we would like. Babies bring many joys, but also many expenses, sometimes very high.

1. Basic equipment

The newborn needs a lot of tailor-made accessories to be comfortable and safe, which are not exactly cheap; crib, hammock, stroller, car seat, little bath … Is it possible to save on baby accessories? Yes, there are cheaper options than others.

With a coarse cradle

It is true that during the first months the baby is more collected in a minicuna or a bassinet, but if you want to save and can not borrow this accessory, you can use the crib directly.

  • The minicuna and the bassinet are so small that they hardly last three or four months.
  • If the crib seems too big for you, or you want to have your baby around during the day, you can use the pram carrier for your naps at home.

The baby carrier can be used as a hammock

There comes a time when the baby is bored in the crib and wants to see their parents. Hammocks are very useful for you. They are not expensive, but if the baby carrier for the stroller or the car, can serve, because its curved base allows the swing.

Bath-changer: more economical separately

If there is something that scares the parents at the beginning is to bathe the newborn, it seems that there are missing hands to hold him. The leg changing baths (which have a lid with a thick plastic changer on top) make the task easier, but they take up a lot of space and are not cheap.

  • To save you can buy a folding changing table (which you will also need when you go for a walk) and change the baby on a high table. If you change on the bed, do it sitting so that your back does not suffer.
  • To bathe you there are many cheaper options than the bathtub changing: hammocks that hold the baby in the bathtub, ergonomic bathtubs, inflatable bathtubs (very useful for outings ) and even folding baths that serve for several years.

Stroller: value the size and think where and how long you will use it

When you choose the stroller or stroller, think if you need large wheels for the field, if it will fit well in the elevator or in the trunk of the car … It is important to value all this so as not to have to change the model sooner or later.

  • If the baby is born in winter , it is more protected in the carrycot, although the baby carriers have accessories (sack, plastic protector …) so that it does not pass cold and, in addition, serve as the car’s safety seat for several months (the carrybags too but less time).
  • If the baby is born in late spring or early summer , you can save the carrycot if you choose a chair that reclines completely.

2. Food

Until a few years ago, baby feeding was an important expense, since baby food and baby food are quite more expensive than adult products.

However, if you follow the WHO recommendation to maintain breastfeeding exclusively for the first six months and with other foods until two years, saving is important.

Complementary feeding can be given in homemade purées or letting the baby try family meals with a technique called Baby Led Weaning (feeding on demand of the baby) with great acceptance among the new parents.

If you are afraid that your baby chokes and you prefer to give him the crushed food, it is very practical to prepare puree for several days and freeze it in glass jars. Do not boil potato because it thaws badly. If you need it urgently, you can thaw it in a few minutes in the bain-marie over low heat.

3. Diapers

If there is an important and lasting expense, it is diapers. To save, try to buy them when they are in promotion: 3 x 2, 2nd unit at 50%, etc. Be careful not to accumulate much, the babies grow very fast and before you know it your child will be wearing a larger size.

Another option is to use ecological diapers, more modern and absorbent than the cloth diapers our mothers used. They are much cheaper because they can be reused, but they have the disadvantage that they have to be washed.

4. Clothing

Babies grow very fast so it’s not worth spending a lot on clothes.

• Wait to receive all the gifts : clothes are a usual gift when a baby is born.

• If you doubt, buy a larger size . This way your child will be able to use the garment longer.

• Take advantage of the sales to buy clothes that serve at any time of the year (shirts, bodysuits, socks …).

5. Nursery

If it is not going to be possible to reconcile the work schedules to take care of the baby, it is convenient to look for the nursery with time. In public, sometimes you have to sign up during pregnancy.

It is important to compare the prices of several day care centers . They can vary a lot and the child will spend almost three years in the center, which can be an important saving in the long run.

Working mothers with children under three years of age can request an aid of 100 euros per month in the Tax Agency.

Family constellations

Family constellations

In times when the social and religious coordinates do not clearly define how we should live, we feel freer, and therefore we can write the script of our steps with the sovereign pen, but also unstable, from our own hand. We enjoy many options but this also causes us greater insecurity.

It is in this context where therapies and professional help approaches find space and meaning, methods of philosophical or existential counseling capable of reconnecting us with an inner center, often forgotten by the thickness of our everyday life. Among these techniques, Family Constellations have stood out and strongly impacted on the culture and praxis of therapeutic help, in this last decade, for its mystery, intensity and effectiveness. As an approach, it is framed by systemic, transgenerational and existential principles.

Image result for Bert HellingerBert Hellinger German philosopher, theologian and therapist born in 1925, Hellinger is the creator of the Family Constellations. In 1999 he arrived in Barcelona, ​​invited by the Institut Gestalt, to teach his work and start from here the intense development that Family Constellations should have throughout the Spanish-speaking world. Hellinger was a Catholic religious and missionary in South Africa among the Zulus, where he ran a school when, around 45, a therapist specializing in group dynamics confronted him with an accurate question that cracked his beliefs and led him to transform his life: “Are you more interested in people or ideas? If that were the case, who would you sacrifice in the first place?”

Be that as it may, as Bert Hellinger himself explains, this was the germ of his departure as a priest and the beginning of his interest in psychology. From this moment, he studied group dynamics, psychoanalysis, transactional analysis, gestalt therapy, primal cry, neurolinguistic programming, hypnosis and family and systemic therapies. The result of all this, plus a strong component of psychospirituality understood as assent to the sovereign will of life (or love fatti , in the Nietzschean sense), is the focus of the Family and Systemic Constellations according to Bert Hellinger.

It is clear that Hellinger drank from many sources, both philosophical and theoretical, but it is worth at least highlighting two of his great methodological precursors. The first, Jacob Moreno, creator of psychodrama, in which they seek, with a pseudoteatral praxis, new and creative solutions for old limiting scenes that made us suffer in the past and we have not managed to let go or resolve. And secondly, but even more decisively, Virginia Satir, one of the pioneers in family therapeutic work, who devised the technique of family sculpture, to understand the incongruent roles and communication dances and dysfunctional relationships in families, evidencing the shared involvement of all its members, who are desperately trying to preserve their dignity.

Scenic methodology
Through a constellation, a person, a couple or a family that poses problems of relationship, communication, behavior, personality, health, suffering in their work or organization, etc., manages to understand in a short time the dynamics and unfavorable implications that operate in your system feeding the problematic, and change them. The methodology, which is usually practiced in a group, is surprisingly simple and scenic. Representatives are chosen for the people involved in the matter, the necessary ones for their understanding and solution, whether they are of the current family or of the family of origin, previous couples, people of our labor system, etc., and then they are positioned in the space , so that the client externalizes the inner image that he has about his links and his network of relationships. Thus, a geometry is expressed that expresses how connections are perceived and the place each person occupies in the system. Then, the dynamics that keep the problems emerge, usually very subtle, almost invisible, and alternative solutions are generated through, for example, the integration of the excluded, or reparations between people, or pending emotional movements are completed, or ritual phrases are expressed that order, structure and relieve all members of the system. The client or clients usually have the feeling of having released old pesos, faults or difficult destinations, and of orienting themselves better towards the good and towards their own objectives.

People who repeat unhappy patterns or destinies (suicides, addictions, failures, struggles, depressions, betrayals, etc.) of other people in families, following amorous invisible loyalties, are released. Children who blindly love their parents, and navigate in the harmony of their system, assuming terrible dynamics such as following death to others whose mourning has not been completed, or becoming sick or assuming sacrifices or faults or revenge for others, or taking your efforts and places that do not correspond (such as being the invisible partner of one of the parents, for example), are finally available to be happier in your life or in your partner or your job, etcetera. The effect of a constellation is usually that of a great liberation because the merely intuited is revealed and confronted, and because the unresolved is finally faced, often accompanied by a strong emotionality that is cathartically decompressed. So the Constellations act in the depth of the subtle mysteries of our family group and the requirements of their collective Soul. For the Constellations work with this common Soul, a gregarious and collective entity to which we belong and on whose order and health our personal well-being depends. It is equivalent to Systemic Mind or Network of Links and resembles in some way the idea of ​​the collective unconscious of Jung. That is to say, we belong to a collective family soul that surrounds us and welcomes us at the same time, giving us identity and satisfying our thirst for belonging, which is the most powerful instinct of the human being, while binding us to sacrificed loyalties and demands, which they can and must be overcome so that the orientation to life and happiness triumphs over their opposites of death and misery.

Sexuality and Death
Image result for orders of loveThis Common Soul or Mind is, according to Hellinger, a force that unites and directs those who belong to it, and it does so following certain laws that it called Orders of Love (an original expression of St. Augustine), which we will explain below, whose respect and compliance favors the bond and love, usually present among the members of the group or family, fermente in their well-being and happiness, and whose transgression usually leads to sufferings and sacrifices that often seem illogical, judging by the love that they feel for the others. This collective Soul to which we belong has been impacted by gifts and by wounds, by life and by death, by laughter and tears, by advances and setbacks. The collective as such is challenged to assume and integrate all the facts that existence, governed by the two great powers of life that are sexuality and death, gives them. Sexuality opens the doors of life and makes it advance and prosper, having as allies love, the joy of living, strength, and hope. On the contrary, Death closes the doors of life and forces us to grow through pain, which brings us its powerful allies such as illness, abortions, self-destruction, violence, accidental adversities, and so on. In family systems there are facts that hurt, weaken, embarrass or hurt, and the system tries to protect itself from them sometimes with silence, shutting them up in oblivion, without noticing that the silences are sonorous and have consequences, and prevent the strength and the health of the group, and often involve implications and sacrifices. It is required to integrate what hurt or devastated so that it loses its power and remains as past. As a small fragment of Yerma , by García Lorca, says: “Some things do not change, there are things locked behind the walls that can not be changed because nobody hears them”.

Therefore, we live not only in our individual mind but belonging to networks of bonds, collective souls, each with its own archaic and imperious mind, which influence and even govern us, although we do not understand them (especially family). In these networks, love is not enough to ensure well-being; It requires an order. Some people think that suffering is illogical if love is present. However, the evidence shows that many people suffer despite the presence of love. Love is not enough, because Good love or ordered Love is required. Good love is recognized because it leads us towards well-being, life, profit and fulfillment. Good love supposes that we have moved emotionally to respect and assent to the past and the gifts and wounds of our previous ones, instead of getting involved in them, repeating them, or showing a misunderstood fidelity to our previous ones with our unhappiness. Thus, good love makes us go a little further in more life, both in welfare and in happiness.

Guiding us by the intensity of the links as a common destiny and by their ability to express great gifts or serious implications, belong to this network, in which many are in resonance with many, the following: the son, with his brothers, including those who they did not get to be born or they died soon; the parents and their siblings, including also those who did not get to be born or died soon; the grandparents and their brothers, also the great-grandparents and even previous ones if they had very marked destinies; they also belong to those who made space for others, for example, previous couples whose disappearance succeeded in obtaining the place, and also those who had losses at the expense of others who made a profit (as victims of war or murders), or the other way around, some who made a profit or hurt at the expense of the loss of others (murderers, harriers, swindlers), et cetera.

The orders of love
The first order of love tells us that, in this network of bonds, all without exception, regardless of whether they are judged positively or negatively, have the same right to belong and be included and dignified, allowing and demanding that they assume their destiny and their faults and the consequences thereof, when that is the case. In practice it happens that family systems exclude or set aside some of their members because they condemn their behavior, or because their memory is too hurtful, shameful or painful. Sometimes, there are people who died soon, or people who committed suicide, and this causes pain or embarrassment in the descendants, or even parents who are judged for not doing the right thing or for irresponsible, bad, abusers, abandonors, alcoholics, et cetera. Actually, excluding is a movement of the personal mind that tries to protect itself from what generates pain. But the Collective Mind, the common Soul, does not understand the language of exclusion and follows an existential principle that says that “everything that is has the right to be as it was, and to be recognized in this way”. When this principle is respected, as a result of digging into one’s emotional process and assenting to family matters, the past is liberated and the future can be strong and real. When there are exclusions, the Collective Mind imposes the inevitable consequence that the excluded will be incarnated again by later people, who have nothing to do with the matter, and who often unconsciously, unknowingly, follow the fate of the excluded. It is the effect of the forbidden rooms that inevitably attract some in a failed attempt to elaborate and close painful episodes of the systems. How many become alcoholics following a father despised for his alcoholism? How many suffer from a fragile attachment to life when in the heart of the family they are lived as members who replaced someone lost through early death, for example, or feel bound to the person who died, and have difficulty in taking life in fullness? How many feel suicidal impulses when others, previous, also took their own lives or were guilty of the death or misfortune of other people?

The second order of love is one of extraordinary simplicity: people are better when they take their rightful place and not another, which, translated into family systems, means that children are children and fathers are fathers, and that in The couple are both adults, equal in rank, and walk side by side. If enunciating it is easy, it is not so enforced. How many children are not taken to take the invisible position of parents of their parents, especially when they lost them early or rejected them (and then, without realizing it, they look for what they did not have from their parents), and Do children assume it for love, sometimes at the price of carrying backpacks and bales that hinder their own life and expansion? How many children are involved with one parent against the other, or do they feel the invisible partner of one of them, or are they too close to one parent and against the other, or do emotional juggling and fall ill? heroic attempt to preserve a good place for his parents in his heart? We must not forget that the genuine desire of the children is to unite both parents inside them, regardless of what happens or has happened between them. Too many parents behave as small and too many children behave as large and special, transgressing the rule of welfare in families: everyone in the rightful place. And this also means that the later ones lean on the previous ones and direct their gaze towards the future. It is what in more tribal societies is lived as support in the ancestors, to which it is honored and venerated.

The third order of love refers to rules of exchange between giving and receiving, which water and sustain the life of all. With regard to the bond with parents, for example, we can not return what we have received so much and we compensate and balance it by giving our children or by serving and caring for life with our gifts. The biblical commandment reads: “Honor your father and your mother and in this way you will have a long and good life on earth”, which means that we do justice to what we have received, achieving a good and, if possible, long life. We also compensate by taking care of them within our possibilities when they need it in the decline of their life.

When working with the problems of people, we find that many are not based on what comes from the parents (who symbolize life) and rather refuse to take what they received, to preserve themselves from the negative. However, in this way they rarely get at peace with themselves and with life, giving him what they have to give him. Rather, they become impoverished and scrimped, positioning themselves in victimhood or resentment or other places of suffering. Taking what comes from the parents, even though it includes painful wounds, and working emotionally on it seems to be a sort of safe conduct for good love and an antidote to many evils, which induces us to take responsibility for one’s life and the refusal to play psychological games invalidating, full of suffering, for example with the couple or with children or in professional environments.

Regarding peers, the rule of exchange is to keep it balanced, to ensure parity and equality of rank. We give, we take, we compensate, we balance, and we are free, and if we continue together it is by using our freedom, not by sense of debt or of being creditors. It is a classic in conflicts of couple that tend to have imbalances in this exchange in such a way that one feels debtor and creditor and are no longer able to look each other in the eyes with confidence and openness of heart.

In short, it greatly helps people and families to have an order, order love, translate it into a good geometry of human relations, in which they are all without exception and equally worthy of respect and consideration, each in the exact place that corresponds to him and nurturing one another in such a way that they can grow instead of suffering. Here, then, good love.

Baby Planner

How to enroll your child in a daycare

Related imageWe tell you the period and enrollment requirements, how the points system works and who the grants depend on

Up to three years education is not mandatory. Therefore, the supply of public nurseries is much smaller than that of schools and institutes , and in many places it does not cover the actual demand.

For this reason, it is important to know the steps and requirements to get a place in a public nursery.

The data that we offer below are general and common. As public nurseries are the responsibility of the autonomous communities , in your place of residence there may be peculiarities, so to obtain more reliable information it is convenient to consult the web of the community and the corresponding town hall.

Private daycares usually have their own enrollment requirements . However, the fact that they are private does not imply that they can act on their own.

All nurseries, public and private, have to meet certain requirements established by law :

  • Children must be controlled by professional and qualified personnel in early childhood education.
  • The premises of the nursery should be used exclusively for that purpose and have access from outside.
  • One of its facilities must be a multipurpose room with a size equal to or greater than 30 square meters.

The daycare center must comply with the educational program established by the Ministry of Education. In addition to these general criteria, each autonomous community can establish additional criteria to increase and guarantee the safety of children.

The registration deadlines in private nurseries coincide with those of public nurseries, although they tend to maintain somewhat higher levels of flexibility.

The main difference between public and private daycares is the price . The private ones are more expensive. Therefore, the first option of parents with average salaries is usually the public nursery. In return, private day care centers often offer much more flexible schedules that cover the needs of parents regardless of their working hours.

Requirements to apply for a place

In general, the requirements that are requested are similar in all the Autonomous Communities :

  • The baby must be at least 16 weeks old at the start of the school year.
  • Day care centers have to accept all requests, regardless of the number of places available. Then it will be decided how to give them.
  • The parents must be registered in the town where the day care center they are applying for is located.
  • Bring original and photocopy of the family book (if you have one), birth certificate, or other documents related to filiation in which you can check the name and date of birth of the child or the child and the relationship with the parents .
  • Deliver a certificate from the company or, failing that, the last payroll to record the working hours of the parents.
  • Documentation justifying the proximity of the family home.

Image result for baby's playgroundApplication and registration dates

It is important to know the registration period for day care centers , as it is a procedure that is done relatively before the date of final registration. If it is not done on time, you may miss the opportunity to obtain a place for the desired school year.

Therefore, if you are pregnant and you think that you are going to need your baby to go to a nursery when the course starts, you will have to apply for a place, even if the child has not been born . The law states that “a place may be requested for children in the gestation phase when their birth is scheduled at least 16 weeks before the start of the course.” This is so because in day care centers babies can only be enrolled after 16 weeks of age.

  • As a general rule, the pre-registration period in day care centers starts on February 15 and ends on April 30.
  • Starting in May, usually towards the middle of the month, provisional lists of admitted students are published.
  • At that time the claim period opens.
  • At the beginning of June, the final list of admitted students is published.
  • Since the last list is published, parents have an approximate period of one month, usually until June 25, to enroll in the nursery if they have been admitted.

How are the places awarded?

To assign the places, a scale of points is used that categorizes each applicant family according to their characteristics . The more points a family accumulates, the more likely it is to get a place for your baby.

To do this, a series of criteria have been established to which a specific score corresponds:

  • Annual rent of the family unit : 10 points when one of the two parents or the legal guardians receives the minimum insertion income, calculated according to the dependent children of the beneficiary.
  • Proximity of the address of the family unit or place of work of the father, mother or guardian , to the nursery:
    • 30 points, when the habitual residence is in the area of ​​influence of the nursery.
    • 20 points, when the job of one of the two parents or the legal guardian is in the area of ​​influence of the nursery.
    • 10 points, when the habitual residence is in the same municipality as the nursery, but not within its area of ​​influence.
  • Family members in school : 40 points, when the baby has a sibling enrolled in the same center, or when one of their parents or legal guardians works there at the time of pre-registration.
  • Disability : 10 points, when the baby, one of their parents or guardians, or one of their siblings, shows a disability equal to or greater than 33%.
  • Complementary criteria :
    • 5 points, for belonging to a large family or single parent.
    • 10 points, if the baby has a chronic disease that affects his digestive, endocrine or metabolic system, including celiacs.

Price of day care and subsidies

The price of daycare will vary greatly depending on whether you opt for a public center or a private one. However, there are common expenses in the different options from which you can extract an average to calculate, more or less, what will be the disbursement that must be done when the time comes.

  • Annual registration: between € 150 and € 200.
  • School insurance: between € 25 and € 30.
  • Monthly rate: between € 180 and € 200.
  • Material (uniform, tracksuit, bib, etc.): between € 100 and € 150.

The autonomous communities can grant subsidies to pay part of the price of private nurseries . The amount, criteria and number of concessions depends on the legislation and budget of each community.

It is advisable to inform yourself by visiting the education section of the website of the autonomous community and the corresponding city council.

Aid for private nurseries

In some Autonomous Communities there are specific grants to pay for private nurseries. For example, in the Community of Madrid there are checks for early childhood education, and in the Valencian Community there is a child voucher.

Usually, the subsidies for private nurseries are destined to:

  • Families whose two parents work full time.
  • Large families.
  • Families with income below the annual interprofessional minimum.
  • Families with a member with a disability, either the baby for whom the registration is requested, one of the two parents or the siblings of the baby.

Spanish money that clogged toilets in Geneva is legal, according to family

Spanish money that clogged toilets in Geneva is legal, according to family

Image result for Spanish money that clogged toilets in Geneva is legal, according to familyA relative of the three Spaniards who last year destroyed with scissors almost 100,000 euros in 500 bills and threw them into the pipes in Geneva, which caused a clog in the toilets of a financial institution and of three restaurants, explained to the authorities that the money is legal.

The newspaper La Tribune de Genève, which revealed the mysterious case that went around the world last summer, reported today that the money belonged to a family of entrepreneurs active in the tourism sector and that it was savings from their family business .

This is what a member of this family had explained to the Geneva police last December.

The man appeared spontaneously before the forces of the order and the bank UBS, of which the women were clients, to justify the origin of the money that investigate the authorities.

The police recovered 26,000 euros from the clog caused in the toilets, and the member of the Spanish family has found that in the safe deposited in UBS and confiscated by the Justice are still several tens of thousands of euros in envelopes and some gold , according to the Tribune de Genève.

The man explained that it is a collective saving of several members of the family, including the three retired women who destroyed the tickets, and that there is nothing criminal behind.

Documents would support the version of the man, who also denies that he wanted to evade the Spanish Treasury, at least as far as he is concerned, always according to the same source.

According to the man, several years ago the family suffered pressure from a band of criminals in Spain and for these threats it was decided to deposit the money in a safe of a Geneva bank.

It remains a mystery why the three women decided to get rid of almost 100,000 euros.

The family member does not rule out the hypothesis of “a panic movement”, an irrational act on the part of some of his relatives.

If they acted out of fear of the entry into force in 2017 of the automatic exchange of banking information, having suffered further intimidation by the gangsters in Spain, by some type of inheritance and succession problem or by a disputed distribution over the benefits of The tourist company is still unclear.

In any case, says the Tribune de Genève, Geneva Justice seems convinced that money does not have a suspicious origin, at least from a criminal point of view.

“The explanations given allow us to discard the hypothesis of a criminal origin of the funds” destroyed, the spokesperson of the Judicial Branch of Geneva Henri Della Casa told the newspaper.

In Switzerland it is not a crime to destroy money, but the Prosecutor’s Office considered that the strange case deserved to be investigated.

The Spanish family compensated the establishments that found their toilets clogged by thousands of 500 euro bills cut.

How to get your teacher’s salary to survive on family expenses

Image result for managing financesIf there is a person skilled in properly managing the resources of a home and a family, it is the mother. But the question is how do they learn to do it?

You can believe that it is a born gift, however there are certain circumstances, such as being in charge of a home, that require reading and research a little more about the administration of the salary.

One of the main reasons to learn how to manage money is that the salaries received by members of educational institutions in the country in general are low.

And while having a modest salary may seem an impediment to managing personal finances, making smart use of money, you will achieve it.

Change of perspective

What you need is to start applying new investment strategies using your salary and be an observer to detect any cash losses that may exist.

Some of the strategies you can apply to make your salary pay and the whole family can enjoy its benefits are very simple.

Actually you should only pay a little attention to daily activities, sometimes many of them are those that cause losses and make it seem that money is not enough.

We present 5 incredible and simple tips to make your salary and to survive family expenses:

1.-Priority in expenses

1.-Priority in Expenses

We must all understand that the expenses have different importance among them.

It is logical to think that it is more important to buy the monthly pantry than to go for a weekend, although you should also analyze and take into account that the pantry is necessary, but there are products that you can exclude from the list and nothing happens.

Always have a list updated where you describe the highly indispensable products of your pantry, followed by those that you consider necessary (although not essential) and the last one mentions the ones you can leave for later or eliminate them completely.

2.-Reduce and reuse

It is almost like applying the law of 3R’s (reduce, recycle and reuse) only here it is necessary to use only two.

When saying that you must reduce, we refer to some aspects such as the use of some services, for example, the electric light: if you disconnect the devices while they are not in use, surely the receipt will arrive for a smaller amount.

As for reuse, there are many examples, some of them can be school books, clothes, school materials, among others.

Having two or more children is always the perfect possibility to reuse objects and get the most out of them.

3.-Optimize your resources

Even when we live in an era where products have a short expiration date, there are others that are still valid and made with lasting quality. Learn to distinguish them!

Surely many of them you have at home and it is better to keep them until their end than to change them for a new one that will last a short time.

Some devices, such as cell phones, do not need to change them every year and constantly borrow money just to have “something better”.

The correct thing is that each product that you acquire you use it until its time of life finishes.

4.- Find extra money

One possibility is through performing extra tasks within the community.

Surely among your friends there will be an opportunity to help them in something and receive an extra income. No matter how minimal, remember that everything adds up.

Another possibility is obtaining a loan with a credit institution through an agreement with the school where you work.

Many government organizations count on them to benefit their workers. Investigate the requirements and start planning the purpose of your loan.

5.-Choose the best place to do your shopping

The best purchases have two characteristics: the first is that they should make you happy because you needed it or you wanted it; The second is that they must be made under the comparison of all the possibilities available to you in the market.

It is important that before deciding to buy somewhere, check before the prices of the competition.

Surely you can find the same product and with prices that are even more convenient for your pocket.

Manage properly your income and achieve a mattress, it is possible taking into account the details, but if you still require money to solve an emergency or implement a personal project, Credifiel is here to support you.

How to get your teacher’s salary to survive on family expenses

Image result for managing financesIf there is a person skilled in properly managing the resources of a home and a family, it is the mother. But the question is how do they learn to do it?

You can believe that it is a born gift, however there are certain circumstances, such as being in charge of a home, that require reading and research a little more about the administration of the salary.

One of the main reasons to learn how to manage money is that the salaries received by members of educational institutions in the country in general are low.

And while having a modest salary may seem an impediment to managing personal finances, making smart use of money, you will achieve it.

Change of perspective

What you need is to start applying new investment strategies using your salary and be an observer to detect any cash losses that may exist.

Some of the strategies you can apply to make your salary pay and the whole family can enjoy its benefits are very simple.

Actually you should only pay a little attention to daily activities, sometimes many of them are those that cause losses and make it seem that money is not enough.

We present 5 incredible and simple tips to make your salary and to survive family expenses:

1.-Priority in expenses

1.-Priority in Expenses

We must all understand that the expenses have different importance among them.

It is logical to think that it is more important to buy the monthly pantry than to go for a weekend, although you should also analyze and take into account that the pantry is necessary, but there are products that you can exclude from the list and nothing happens.

Always have a list updated where you describe the highly indispensable products of your pantry, followed by those that you consider necessary (although not essential) and the last one mentions the ones you can leave for later or eliminate them completely.

2.-Reduce and reuse

It is almost like applying the law of 3R’s (reduce, recycle and reuse) only here it is necessary to use only two.

When saying that you must reduce, we refer to some aspects such as the use of some services, for example, the electric light: if you disconnect the devices while they are not in use, surely the receipt will arrive for a smaller amount.

As for reuse, there are many examples, some of them can be school books, clothes, school materials, among others.

Having two or more children is always the perfect possibility to reuse objects and get the most out of them.

3.-Optimize your resources

Even when we live in an era where products have a short expiration date, there are others that are still valid and made with lasting quality. Learn to distinguish them!

Surely many of them you have at home and it is better to keep them until their end than to change them for a new one that will last a short time.

Some devices, such as cell phones, do not need to change them every year and constantly borrow money just to have “something better”.

The correct thing is that each product that you acquire you use it until its time of life finishes.

4.- Find extra money

One possibility is through performing extra tasks within the community.

Surely among your friends there will be an opportunity to help them in something and receive an extra income. No matter how minimal, remember that everything adds up.

Another possibility is obtaining a loan with a credit institution through an agreement with the school where you work.

Many government organizations count on them to benefit their workers. Investigate the requirements and start planning the purpose of your loan.

5.-Choose the best place to do your shopping

The best purchases have two characteristics: the first is that they should make you happy because you needed it or you wanted it; The second is that they must be made under the comparison of all the possibilities available to you in the market.

It is important that before deciding to buy somewhere, check before the prices of the competition.

Surely you can find the same product and with prices that are even more convenient for your pocket.

Manage properly your income and achieve a mattress, it is possible taking into account the details, but if you still require money to solve an emergency or implement a personal project, Credifiel is here to support you.