There are so many important life lessons that can be instilled in children at a young age. Learning the value of a pound and the way to properly handle money is definitely important. Of course, you can’t just lay it all on the at once. You have to take small steps with them, empowering your kids little by little so that when they are young adults, they are capable of being financially stable. According to sites like https://www.gohenryreview.com, they will have all the tools and knowledge required to manage money wisely. One of the absolute best things you can do is lead by example. Previous generations have knowledge that newer generations haven’t acquired yet, in more ways than one. It’s not just that you know how to manage money already and desire to teach your child. It’s the fact that you grew up during a time when handling money was a little different. And that fact transfers from generation to generation. I’m old enough to remember when cash was used much more often. These days, kids are growing up in a world where cards are used, and that can make it look like money grows on trees. Granted, they are going to be accustomed to using modern technology, and they grow up to learn the value of a dollar as it pertains to today’s world. But instilling in them lessons of old is always a novel idea. You want to actually show your children that things cost money and that we can’t always have what we want. Granted, all parents want to spoil their children, and it’s difficult to hold back. But what you have to do is tone it down to blessing your children and first providing their needs, and you have to pair that with teaching them the value of a dollar. They need to know that you have to work for money, too. I am a firm believer in the allowance and the chores that produce said allowance. Kids that learn as preteens to do chores for an allowance make it into their teenage years with a knowledge that sticks with them. That allowance may turn into a part-time weekend job in which they continue to manage their money. Then there are also summer jobs and finally, work for an employer at whatever age that ends up applying to their lives. Each child and family situation is different, but every kid needs to learn the value of a dollar. And a dollar doesn’t go a long way in today’s world. Yet minimum wage hasn’t gone up either. Kids also need to pair their knowledge of money with their goals and dreams in regard to education and a future career. A college path should be set in place early. A college fund should be kept and shown to the child. The importance of education should be explained, and how that money is going to get them a job that is going to pay the bills and provide for their needs later on down the road. Naturally, not every child goes to college, and that said, college is expensive these days. But there are first apartments, there are tech school and other types of educational opportunities and all kinds of things that are going to demand the attention of a young adult. There also comes a time when a teen starts driving. Are you going to have your child save for a car? Perhaps you are going to have him or her use the family car or provide a car for your teen. Whatever the case may be, there are oil changes, gas prices and car maintenance issues to deal with. The earlier you start the better. Kids need to know those important money lessons because they are tied to independence. Young adults that learned these important lessons early are going to have a much better chance of managing money wisely as they start their careers.
Here are some essential and efficient tips for those single parents out there on how to tackle expenses for a safe and better financial future.
Balance your checkbookThis is a simple but often overlooked way to keep track of your expenses. It takes time, patience and use of a calculator. Inculcating the habit of balancing your checkbook every month will help you become more responsible on your day to day spending.
Create a monthly spending budgetThe best effective and efficient way to manage your excessive and unnecessary spending habits is by committing to a monthly spending budget which will serve as a guide on what you will assign and allow for spending on transportation, food, child care and more.
Pay your bills on timeA practical tip to pay your bills on time would be to set up automated payments through your bank for your monthly rent and mortgage payments while aiming for a minimum balance if possible. When bills arrive via post, make sure to sit down and make time for noting how much is due and when it is to be paid. If you are paying bills online, it is safe to complete them at least 5-7 days before the due date.
Become familiar with the fees you are being chargedObserve your credit card, bank and cell phone statements for any peculiar fees that may surprise you. If so, do make it a point to call the provider and enquire for more information, by knowing for what you’re being charged for and why will undoubtedly help you save money by avoiding certain fees.
Compare prices onlineInculcate the habit of shopping for the best available rates on items online before you go out and make purchases. You can save over 10-40 percent by searching for coupon codes.
Buy usedLocate a consignment shop near you and shop in bulk for clothes that suit your style and sell those items that you no longer need or wear. This way it will help you stretch your clothing budget.
Go withoutTeach your kids not to be brats by telling them the fact that they cannot have everything. Tend to force yourself to go without a luxury you can spare, like cable TV for a period, enabling you to save money in the process.
Have money automatically transferred to your savings accountHave a small portion of your income automatically transferred from your checking account into your savings account every month, allowing you to save money without even bothering about it.
Plan your mealsBy planning what you are going to eat for each lunch will help you save money on groceries. Using an online calendar to prepare your meals accordingly is recommended.
As I was getting ready to post this pattern I started looking back to see when my last pattern release was…it has been over a year. So that begs the question, what on earth have I been doing for the last year? I had a baby, which is the best excuse…right? Anyway, I am finally back to it. So with no further delay here is my newest knitting pattern…the Abigail Hood. This adorable hood feels as though it has jumped from the page of your favorite Austen classic. It fits comfortably over long hair or short and covers the ears for a little extra warmth. The loose construction of the body of the hat allows air flow for warmer weather. Enjoy the larger size for a looser look or the medium for the more fitted feel. NOTE ON YARN: These hats were all knit up in Malabrigo Twist. This yarn is AMAZING! I absolutely love it. It is 8ply, heavy worsted, 100% marino wool. Basically incredibly soft and squishy and it stretches beautifully. You can use another heavy worsted or aran weight yarn but to achieve the closest look to the pictures, pick up a skein of Malabrigo Twist at your friendly local yarn shop. Colorways pictured are Applewood, zinc, and purple mystery.
Here is a look back at a DIY from last Christmas. I had so many requests of people wanting to repost it I thought I should bring it back for those who have not seen it before. Inexpensive, easy, and beautiful. Add a little re-purposed beauty to your holiday decor. Thanksgiving is over, the official time to fill your home with wintery sights and scents is here. Most of my friends have their acts together and have the house fully decorated and full of holiday cheer. I have the issue every year that we don’t spend Christmas at home. We usually spend it with the grandparents. I love any decorating ideas that will not get dried out after a week of neglect. This year I saw Anthropologie decorated their stores with Christmas scenes in mason jars. Here is a little DIY if you want to try it yourself. Materials Needed: 1. Fake Snow (I used baking sugar and clear glitter mixed) 2. Mason Jar 3. Glue Gun 4. Tiny Tree (I found a 20 pack of tiny christmas trees at JoAnn’s in the section with the tiny villages) Here are pictures to show you what to do. Basically you glue the tree to the inside of the lid and put the fake snow inside the jar. Put the lid on and flip it over…really…so easy.
Creativity sometimes bursts forth in an unexpected outpouring, often because I feel overwhelmed. Somehow being creative allows me to feel a sense of control. When the laundry is overflowing every hamper and my children are wild and unruly I turn to seemingly unimportant tasks, such as re-potting plants. Sometimes they need the extra space and sometimes I just need a change of pace. Regardless, I frequently find myself moving plants from one location to another. Most recently I re-potted my crassula dubia (thank you Google!) using one of my milk-glass bowls and adding a rock and some ceramic mushrooms that I purchased on Etsy. Succulents always do so well in my area this time of year—despite being re-potted on a regular basis.
I have never been a big user of stitch markers, until recently when I have been working on larger projects that involve colorwork or more intricate stitch work. If I ever needed any I would simply make tiny yarn rings out of another color and use those. The difficulty with yarn stitch markers is they aren’t removable and they are easy to loose in your work. I often found myself knitting them in and having to cut them out and then make new ones. One day I used paperclips and they worked great! They were removable and served their purpose. I have stepped up the quality once again with these little safety pins I found on ebay. I bought 100 for $3 or so and they work great. I don’t know how large of needles they will work up to probably a US size 9 (5.5mm) maybe larger. Anyway I am giving them as gifts to a few knitter friends and I wanted to make some cute packaging for them. I created a tiny envelope template and thought I would share it for free. You can fill this envelope with gold colored paperclips (very fancy), or you can purchase these safety pins online, or you can fill it with any other type of removable stitch marker you wish to fashion for your friends. It is a bit more time consuming than purchasing envelopes but they are really cute and tiny. You can refer back to my DIY: Brown Paper Label for the particulars of printing on paper from an old Trader Joe’s bag or any paper grocery bag. I used the same principle for this project. Click on the image below to download the envelope as a PDF.
We are fully immersed in the “Do it Yourself Era.” The trend is fueled by nostalgia, this same nostalgia drives us back to fixie bikes, film cameras, and vinyls. My parents generation (the baby boomers) fled their roots to make a new life for themselves. They started businesses, created the current status quo for families (two kids, two cars, mid sized suburban home), and gave their children everything they didn’t have growing up. As a result the current generation of young people (20-30yr olds) and many others are trying to return to their roots and rediscover what makes things have emotional value. We can buy most things we want (made in China) for practically nothing, so we long for something more, something that will have emotional value. Many find this by making things themselves, or find meaning by buying things with a purpose (TOMS shoes, 31 Bits Jewelry, Crochet Kids). Items whose value is not in what they are, their value is the hope they give someone else. All of this rambling is the product of my experience as one who both creates and loves to teach. I am thrilled to share what I have learned with others. There is something freeing in being able to create or make something. I recently got back into making jewelry. I love it. Knitting is also wonderful but being as it is 80 degrees outside already I have decided to make jewelry by day and knit by night (when I can find time with four kids!). One easy way to make your own jewelry is to buy a chain (gold, brass, silver, or mixed metal) and then hunt for a pendant. Right now druzy are coming in.
Spring and Summer are the perfect seasons for flower crown creation. Truth is, I make flower crowns year round whenever I can. I remember the first time someone taught me how to braid a flower crown as a child, what a liberating feeling. That is what creating does for me, it is freeing. For this DIY I needed to get some photos of myself wearing the flower crown so I set up my camera with a Joby Pod on a chair and had my five year old focus and take the photos. He did a great job considering he has not used my camera before. The small photo shoot of the flower crown changed into a photo shoot of my children. I need to do more photography with my kids they are amazing. For this crown I used the following flowers: Peony – by far one of my favorite flowers. Mums – another favorite. These have slender stems and are great for braiding. Stock – I used Purple Stock. Emille – I had never seen this flower until I went to a farmers market. I love it and wish it was readily available at my local Trader Joe’s like the rest of the flowers. I used jute also for this crown, it is helpful to have something to tie of the ends and to secure heavier flowers with.