But if you're planning a very expensive day and can't contribute much, you may find that the time it would take to save up enough isn't acceptable to you. Ideally, you'll be happy with the timeline when you figure out how much to save for your wedding. If, on the other hand, you opted for a scaled-down wedding costing $20,000 and could save $1,000 a month, it would take you just 20 months, or a little over a year and a half. It would take you 60 months, or five years, to save for your wedding. Say you want to spend that $30,000 mentioned above and you have $500 a month to save for it. If you can't count on much, if any, return to help you meet your savings goal, you should divide your target wedding fund amount by the amount you can contribute to savings each month. (With a longer time horizon, this is less of a risk since recoveries inevitably follow downturns, so you'd stand a good chance of making some money before you sell.) You generally should not invest money that you plan to use within the next five years or so because you could time things badly and end up having to sell at a loss during a market downturn. If you're saving for a wedding though, you probably aren't going to want to do that - unless your wedding is a long time in the future. This would (hopefully) allow you to earn a generous return on your investment that helps you more easily accomplish your goal. Often, when you are saving for large financial goals that are far down the line, you'd invest money in a brokerage account and buy stocks or bonds with it. The amount you can contribute to your wedding savings account each month.How much you'll have to spend out-of-pocket.More: Save while you pay off debt with one of these top-rated balance transfer credit cards Larzelere, "When you call for a time-out and mean what you say, children will learn to listen.Save: This credit card has one of the longest 0% intro APR periods around How will you know if time-outs are working? If you start following these steps, within one to three weeks you should need to employ them less and less often. Once the timer goes off, the time-out is over, Dr. It doesn't matter if your child is still fidgety, sassy, or crying. Step 5: When the timer goes off, call an end to the time-out.Staying silent may require some practice, especially if your child says things like, "You are the worst mom in the world!" or asks questions like, "Why are you doing this to me?" and "Can I have a glass of water?" No matter what your child says or asks during the time-out, ignore it. During the time-out, do not talk to your child or make eye contact. Setting the clock for longer may make it harder to get your child to sit in a time-out in the future. However, recent research done by Timothy Vollmer, Ph.D., professor of psychology at the University of Florida in Gainesville, shows that even brief time-outs of one to three minutes are effective, at least for children ages 3 to 5. Today, many parents use the "one minute for every year of a child's age" rule. Staats originally suggested keeping kids in a time-out until they stopped fussing, even if that took a half-hour. If you say things like, "I've told you about this a thousand times," "Now you are paying the price," or "I hope you are thinking about what you did," you are giving your child attention rather than removing it-and any attention, even negative attention, can act as a reward rather than a consequence. It's okay to offer an explanation before the time-out or after it, but not during it. (Many experts advise against sending your child to his room because he'll have toys, books, and other fun things there.) Resist the urge to lecture him. Time-out."), and escort him to a naughty chair. You might wait until your child is relatively calm, but briefly reiterate what he did wrong ("No hitting. If your child doesn't start cooperating within five seconds, proceed with the time-out. The best study found that a single non-repetitive warning before every time-out can reduce the number of time-outs needed by 74 percent, says Dr.
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