While the payday loan lender has a representative APR of 1000%+, the credit union’s maximum APR is 42.6% – and usually no charge if you pay off the loan early.
Credit unions aim to help you take control of your money by encouraging you to save what you can, and borrow only what you can afford to repay.
Positive human and dog interaction for puppies is extremely important from the time they are born until they grow old if they are to be balanced, confident pets.
Young puppies grow when they are sleeping. They need vaccinations to protect them from serious illness, and regular anti-parasite treatments.
When sexting goes badly, it can make you feel ashamed, guilty, embarrassed or anxious about what people might say. The sooner you talk to a trusted adult, the more likely you can stop the image from being shared further.
If you get help from someone you trust when you are going through a difficult situation, rather than afterwards, this gives you a chance to change the outcome.
Different life stages bring different challenges. The problems you face whilst at school are not the ones you will face once you have left.
Think about the people you are trying hardest to impress. Will they still be in your life in 5 years time? We each have our own life to lead and paths will diverge.
Imagine what an ideal day in your life would look like. Whatever components you visualise, your perfect day can begin to take shape with your actions now.
What would you like to add to your life? What new things interest you? How could you share your gifts with the world? What inspires you about each possibility?