BACK TO SCHOOL SAFETY

Backpacks are a popular and practical way for students to carry their books and supplies.  When used correctly, the backpack’s weight is distributed to some of the body’s strongest muscles and is an efficient way to carry these items.  However, if backpacks are too heavy or worn incorrectly, then they can cause back, neck and shoulder pain, as well as posture problems.

To choose the right backpack, look for the following:

1)     Wide, padded shoulder straps.  Narrow straps can dig into shoulders causing pain and restricting circulation.

2)     Two shoulder straps.  Backpacks with only one strap cannot distribute the weight evenly.

3)     Padded back.  This protects against sharp edges from inside the pack and increases comfort.

4)     Waist strap.  This can distribute the weight of a heavy load more evenly.

5)     Lightweight.  The backpack itself should not add much weight to the load.

6)     Rolling backpack.  This type is good for students who must carry heavy loads. 

To prevent injuries when using a backpack, remind your children of the following:

1)     Always use both shoulder straps

2)     Tighten the straps so that the pack is close to the body.

3)     Pack as lightly as possible.

4)     Organize the backpack so all the compartments are being used.

5)     Stop at your locker as often as possible and remove any unnecessary books or items.

6)     Bend down using both knees while the backpack is on.

Parents should encourage your child or teenager to tell you if he/she is in pain or discomfort while carrying the backpack.

Parents should talk to the school about lightening the load during school hours so children can stop at their lockers throughout the day.

Researchers found that the average weight of a child’s school backpack was 18 pounds, or 14 percent of his/her body weight.  Studies have found that children carrying backpacks exceeding 10 percent of their body weight are more likely to lean forward while walking-potentially increasing their risk of back pain.  Parents should talk to their children and make sure that they are using their backpacks correctly. 

WAYS TO AVOID COMMON FINANCIAL MISTAKES

1)     Create a Budget

Keep track of where your money goes by creating a budget.  Make a list of your monthly expenses and subtract this from your net pay monthly.  The money left over is your discretionary income.  A budget will help you spend wisely, control debt and help plan for major purchases and emergencies.

2)     Discuss money and financial goals

       Talk about your and your partner’s money strengths and weaknesses and your short-

       term and long-term financial goals.  Try to find a common ground for spending and

       saving.

     

3)     Share responsibilities

 Decide how to handle day-to-day finances.  You can decide who is responsible for what in your finances.  Make that you review your household finances together on a monthly basis so that you both know what is going on.

4)     Talk about “What ifs”

 What would happen financially if one of you were to become disabled or died 

  unexpectedly?  If you don’t know, then you need to talk about it.  You should have a 

  will and think about buying or adding disability insurance and possibly life

  insurance.  Make sure that your beneficiary designations on retirement and other

  accounts and life insurance policies are up to date.

Money mistakes can be expensive and could impact your future security.  Take the

time now to work together to make sure that you avoid future financial mistakes.