Our families mean the world to us, they are the people who have always been there, and always will. And when it comes to starting a family of your own, there’s nothing that compares to it. But amongst the joy and love, there is also fear and worry – because this little human relies on you to get them through life, in a world where anything can happen. So how do you protect them against all the pitfalls of life that can occur, and are completely out of your control?
The answer is that you can’t. All you can do is prepare for those horrid situations and pray that they don’t happen. Being prepared doesn’t mean that you are letting these things happen, it just means that you can make things okay if they do.
There are many types of insurance that you can get, but the three main ones you need for yourself and your family are home, health, and life insurance. Home insurance covers everything within your home, from accidents to theft, and can save you thousands. This protects your family financially, and also mentally when you need to secure the house again after a break in. Health and life insurance don’t need much explaining, but it can help your family more than you think. And not just if they get ill, but if you do too, and you need time off work or need to hire babysitters or childcare because you can’t be there. It can take the stress off and allow you to spend time and look after your family. And, as morbid as it sounds, if you die, life insurance helps to ease the financial burden of that loss from your family.
You can use comparison websites to find the best option for you. It might be that you can find a family life insurance, rather than paying for individual ones.
Having a secure financial base isn’t something every family can have instantly. But by building up a good cushion in a savings account, you can be prepared for any surprises down the road. Having a good budget, that you stick to, can help you manage your finances properly. You can see where you’re spending frivolously, and where you can cut things out to make your life easier, having a planned budget helps de-stress things and make your life a lot easier. You can even look into setting up a separate savings account for your kids for whatever they want to do later in life, like college or buying a house. Choose a cash ISA bank account, or a frozen account, so that the money can’t be touched until certain conditions are met, like age and responsibility. Choosing a high-interest account can allow your money to grow on its own, making that investment into your child’s future even bigger.
You should also think about your future finances, saving for retirement might not be something you’ve thought of yet, but being able to happily support yourself, and not have to rely on your children will give you peace of mind, and give them the freedom they deserve.
Not every family has, or needs, a family lawyer. There are many people out there who can get through life without needing legal help. However, it is always worth seeking help and advice on the big things in life, particularly if they are negative. If you’ve been in a truck accident (or in Spanish Accidentes de camiones), been robbed, been harassed at work, you should seek advice and representation for these things. Fight for the truth and justice, and show your children that it’s not right to just sit there and take it. There are firms, like Babcock Partners, who specialize in accidents big and small, and others who specialize in medical neglect. Whatever your predicament, find help.
Raising your family in a healthy and active way will protect them against so many health problems. Yes, there are life-threatening diseases out there that don’t discriminate between the healthy and the unhealthy, but there’s also the vast majority of them which can be prevented with a happy, healthy lifestyle. By living those rules yourself, and raising your children to know them as the norm, the way things are done, will set them up for life.
Educating your children is the best thing you can do to protect them. You can pay for the best insurance in the world, have millions in a bank account and have the best lawyers in the country looking out for you, but, ultimately, your children grow up and make their own decisions in life. And the decisions they make, the type of person they grow up to be, does have a lot to do with the education you give them.
Teaching them how to look after themselves in bad situations, with simple self-defense could save their lives. How to live, and eat healthily can save them from so many illnesses. How to be a decent human being, to be generous and helpful is the best gift you can give them.
At the end of the day, as a parent all you can do is teach them that drugs are bad, greens are good, and to look both ways before crossing the street. All these lessons that you pray take root and create a fantastic adult out of your little one. But it’s your time and love that will make those lessons stick.