Month: April 2019

Part of raising your kids is helping them learn how to be a successful, independent and happy adult. That means teaching basic life skills, like cooking, driving, laundry and, yes, money management.

As if having a teenager isn’t hard enough, right?

The good news is that it doesn’t actually take a lot of effort to instill strong money values in a teenager. In fact, taking these simple steps will get them on the right track to a future of responsible spending and saving.

Open a checking account

Once your child enters their teenage years, collecting and holding onto cash will become much more of a hassle. And that piggy bank isn’t doing them any favors in terms of interest.

Find a credit union or bank you trust to safeguard your teenager’s money — one that will offer checking accounts with decent interest rates. But before you hand over that debit card, teach your teen how to access and manage their finances online.

MACU QUOTE?

Help them set a budget

Teenagers don’t have a lot of financial responsibilities — they certainly don’t help you pay mortgage on the house — but that’s what makes building a budget easy.

Sit down one afternoon and build a budget template they can start filling out each month and add on to as their expenses grow. Ask them how much they think they want to spend on movies, shopping trips or video games. Look at how much gas they use. If they’re getting close to college age, figure out what their school expenses could be. Finally, subtract that number from how much they make at their after-school job and watch the color drain from their face.

You don’t want to scare them, necessarily, but entering those in manually and seeing how fast it adds up will clearly demonstrate the need for financial planning.

Teach them to read prices realistically

One of the simplest ways to instill a sense of financial responsibility in your teenager is to be more open and conscious about the money you spend when you’re together. When you and the family go out to eat, be honest about what the final bill came out to with taxes and tip. When you drive by a car dealership, explain why a brand new car costs more than the prices advertised on the window. When you go shopping for new clothes for school, considering highlighting the prices of their choices and use the time as a teaching moment.

Setting your teenager up to realize that things tend to cost more than advertised will help them budget and spend reasonably.

Start their savings account early

Once you’ve taught your teen financial literacy, you can start to emphasize the importance of saving some of their money.

Help them open a savings account — preferably at the bank their checking account is with — and put a small amount in. Encourage them to regularly deposit any amount they feel comfortable with. Ideally, this savings account will also offer interest, so they can see how putting money away can actually lead to financial growth.

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Lead by example

Finally, the best thing you can do to teach your teenager about financial responsibility is to lead by example. If they see you spending responsibly and actively saving, it’s more likely they’ll pick up on those habits. Be open about your financial successes and where you could have been smarter. Encourage an open dialogue about money management so they feel comfortable asking questions and making decisions.

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Milena Djankovich and her husband Mladen welcomed their first child in 2015, just over a year after their wedding.  It was undoubtedly a life-changing moment especially for Milena, who understood that motherhood took precedence over everything else.  Milena placed her journalism dreams on hold and Mladen was balancing dad duties with his exit strategies from his second successful startup.

It was also challenging to sooth a colicky baby, and the couple had to continuously be in comforting mode so Milena turned to rocking – the only thing to calm her newborn. She cherished the bonding time this allowed between herself and her son.  However, even as Milena cherished the feeling of being a super mom, she had to contend with the cabin fever that comes from rocking her baby for hours on end while staring the same four walls of their nursery.  It made her reflect on such a simple motion a rocking’s ability to both comfort and sooth.

Milena felt that she had to do something to solve what seemed at times like a solitary confinement sentence.  She began to search for a portable rocking solution, one that would provide her a little flexibility and freedom.  But she was shocked to find out that no such thing existed.  And the more she ended up with blank results, the more driven Milena became on finding a more portable rocking solution, one that would not compromise the many benefits of rocking babies, from controlling equilibrium and increasing motor movement to improving breathing and fostering in newborns a deep sense of security, belonging, and love.

Soon Milena was pregnant with their second child which pushed them to pursue their newfound mission with much vigor, knowing that, at least on a personal level, they needed to find a viable rocking solution.  After a rigorous testing and prototyping period, The Ready Rocker was born.  And seeing how their invention helped them keep up with an active two-year-old while still nursing and soothing their newborn, the couple knew that they had something special.

Milena Djankovich believes that The Ready Rocker celebrates mothers everywhere.  Paying homage to them and their innate caregiving became a larger-than-life mission, something the couple fully embraced with the establishment of their company RockerMama in 2016.  “If moms and caregivers in all categories can rock in more places, more often, and while sharing their experiences both live and virtually, maybe we can all spend a little more time in our happy place.” Milena enthused.

 

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Preparing a child birthday requires a lot of creativity and Kids Birthday Party guide is perfect for successful parties. These festivities represent important events for our toddlers who are waiting for them impatiently. How to organize the preparations, the games and the snack, from the 1st birthday to the one of the majority?

Preparations for a birthday

About 2 months in advance, choose:

  • The birthday date
  • If needed, a frame to follow throughout the day.
  • Invitations: to do alone or with the help of your child to send a child invitation card to invite his friends to the party.

Finally, think:

  • Animations,
  • At the decoration,
  • To drinks,
  • To the cake.

The animations of a birthday

Games:

Games are important for children and can keep them occupied throughout the party.
Remember to choose games for girls or boys according to the guests and alternate sports activities and quieter.

Afternoon tea:

Mini-buffets are good solutions if you have invited many children.
For a dream dessert, focus on a decoration associated with the theme of the party or your child’s preferences.

Celebrate your baby’s 1st birthday

For parents, the 1st birthday is special, even if baby does not realize that the party is held in his honor. Celebrate the birth of your child at the same time as your first year of parents. Your child will be happy to discover the photos when he gets older.

Customize a birthday party for infants

Between 2 and 4 years old, a child is not really able to enjoy a birthday party where many children would be invited: difficulty sharing, jealousy. Better to plan a small party and if you anticipate the presence other children, limit their numbers.

Birthday party for children from 5 to 9 years

From 5 to 9 years, children really feel the urge to throw invitations, because it is often the opportunity to celebrate with their classmates. Alternate team or individual games with physical games or quieter: at this age, it is the golden rule of successful anniversaries.

Your child celebrates his birthday for his 10 years

For his 10th birthday, make him happy by offering to organize his first boom or his first pajama party. Your boy will be able to invite his friends in a bowling and a shopping session between girlfriends will undoubtedly make your daughter happy.

Between 11 and 14 years old, organize a special birthday party

Pre-adolescence, ages 11 to 14, is an age difficult to satisfy. Suggest a party at home or an afternoon music and dance. You can also invite children to spend a day of outdoor activities.

Between 15 and 17 years old, young people can organize their party alone

More completely children and not yet quite adult, the teenagers from 15 to 17 years old reject the “classic” birthdays in favor of original activities and will want to impress their friends by testing new things while remaining in the field known.

 

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Making the choice to pack up and live abroad, either for a short amount of time or indefinitely is a huge decision. It’s big when you make that choice and you’re on your own, but if you happen to have kids then there are plenty of other things you’ll need to consider and prepare for. One of the biggest priorities will be to figure out schooling in your new home. This is a little easier if the country you are moving to speaks the same language as you and your family, but if not, then it adds another layer into the mix.

So, rather than take the wait and see approach, and just figure it all out when you arrive, here are some things you can consider now before you even leave for your new home.

Look Into Local International Schools

For many people, living abroad is an exciting prospect because they will get to learn about a different culture, take in all the sights and scenery, and even learn a new language. What this means for kids, however, is that enrolling them in the local public school system probably won’t be ideal. They will be sitting there completely lost since they don’t speak the language.

This is exactly why international schools are so popular. They will keep up with all your child’s regular curriculum, but they also tend to feature language lessons as well. To top it off, your child will be able to meet others who have moved to that country from around the world and are going through the same sorts of experiences.

What you may not realize is that these international schools start as early as nursery school. Take a look at The Apple Tree, an international nursery Bangkok, Thailand as an example. This is a preschool and nursery school located in Bangkok using the British Early Years curriculum. As an added tip, it’s a good idea to also book a tour of any school you may be considering. The Apple Tree encourages parents to come in, take a look around, and speak to the teachers before making any sort of decision.

Are You Moving Mid-School Year?

Another thing to consider is the timing of your move. Ideally, it would be best to move during summer break so as not to disrupt your child’s school year, but that’s just not always possible. If you are moving mid-school year, you’ll need to check with the school in advance to be sure they are taking new registrants.

Proximity to the School

Finally, when it comes to looking for your new home or apartment, take into consideration how far it will be from your child’s school. Obviously, you want the commute to and from school to be as smooth and short as possible while still living in a comfortable and safe community.

Going About it in a Methodical Way

Going about the move in a methodical way and thinking through each step of the school process can help you to make the best decision for your child and their educational future.

 

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