To begin tackling this issue, you've got to know where it comes from. Are they bullied at school? Do they feel stupid or ugly? What are the relationships like with their parents and teachers? Children are generally happy-go-lucky unless there is a definite issue at hand. Once you get to know the absolute reason behind this aspect of their personality, you'll be able to move onto the next steps, and help them become surer of themselves. Sometimes it has to do with the situation. If a child is the youngest of four sisters, a part of a minority group or female, it may be that the current power structure they reside in has affected their self-perception. If you can tackle these issues in their developing stages, you could make their adult life infinitely easier. Don't sigh, because this can be taken as a sign of frustration. Even if they've messed up, let them know you're proud of them for trying, for taking a risk, and for finding a way that doesn't work. You're on their side regardless and will cheer them on as far as they go. Instead of saying they're "not dumb," let them know that they're smart. Instead of saying they "didn't do badly," say they did well. Speak in terms of things they did do and put a positive spin on it to make it feel like they are in control and performing well. Compliment them about things they may not like about themselves, and bring it to a whole new level. For example, if they feel like they are ugly, tell them little things, like "Your skin is nice." Sometimes go into more detail, like "Your eyes are like flowers. They're so pretty." The more you go into detail the more they will be convinced and think the same way about themselves. If you're close, have them think of things they like about themselves and have them tell you. Whenever they feel down, you can bring up these things. You should also add to the list and try to get them to see your argument. "Do you remember that time you spent Friday night all worried about your sister? You're so kind and considerate." Using the power of a compliment and rewards will help enable you to successfully empower anyone. For children, this is in the form of privileges. When they come home from school with an A on their paper, tell them they did a great job, you're proud of them, and that they can pick the activity for the night. Reward their good behavior and they'll begin to see that they help shape the world around them they'll feel empowered. Most people are not held back by what they can't do, they are held back by what they believe that can't do. When you create an environment where they are capable of almost anything, they may believe it and rise to your expectations. If at all possible, surround them with people who genuinely build their confidence, those who seem interested in everything they have to say, and those they can learn from and with. If certain friends don't meet these criteria, try your best to keep them away, and explain why you're doing so. You may just plant the seed in your mind and they could end up seeing their negativity, too. Encourage a healthy lifestyle, too. When anyone eats well and exercises, they feel better children included. Taking care of our physical selves increases efficiency and mood, helping us feel good about ourselves. If possible, set a good example and be supportive by being active with them and eating with them. You need to be active and eat well, too! Even the person who wants to present themselves to the world as if they are perfect does so because of the fear of others seeing their faults. To feel insecure is totally normal. They are learning and growing and getting better each day. That's something to be positive about. We are all evolving daily. No one is "all they want to be" at this moment. Let them know they should give themselves a break. They need to allow themselves to grow and change and become. Make sure they give themselves credit for where they are at the moment because where they are is actually where they are supposed to be.

Summary: Try to find out why this child isn't empowered. Use positive language. Help make them confident. Give them positive reinforcement. Get them in a positive, healthy environment. Let them know that everyone has some form of insecurity about themselves because no one is perfect.

If you're serious about getting out of debt, you need to track your income and expenses, so that you can discipline yourself to spend only what's necessary for any given month. Make a list of all your sources of income. Include every way you earn money, whether it's from your job, investments, interest income, etc. Tally your various income streams by month. Make another list of your monthly expenses. Be sure to include everything you pay for every month, including utilities, groceries, gas, eating out, tuition, etc. Tally these expenses by month as well. Subtract your monthly expenses from your monthly income. If you have more income than expenses (and that should be the case), then the remainder is your discretionary income and can be used for debt relief or savings. Every month, be sure to stay within your budget. If you go outside of your budget, you'll have less money for debt relief or savings. . To tackle your debt effectively, you're going to need more income. You can do that by either getting a second job (if you're a salaried employee) or earning more commissions (if you're in sales). Yes, this will take time away from your personal life, but it's necessary to get out of debt. Look for ways to reduce your expenses every month so that you have more money to pay off your debt. Are you eating out too much? Save money by cooking your own food. Can you reduce your utility bill with a more efficient use of energy? For example, does the downstairs area really need to be air conditioned while everybody is sleeping upstairs at night? Are there electrical devices left on all the time that shouldn't be? Consider extreme couponing to save money on your groceries.
Summary: Create a budget. Earn more money Trim your expenses.