All mothers and fathers to be will feel excited at the prospect of welcoming their first child into the world and bringing the baby home. Of course, the issue is that most family homes aren’t geared up for the little ones. For that reason, parents […]
Month: September 2017
Household budgets are a pain to plan and even harder to stick to! Life doesn’t seem to get any cheaper as the years go by. The kids need more and more clothes and toys and books. Then they have all their classes and activities that need to be paid for. Extra child care when you least expect it can also throw your budget out of whack. So when on earth are you supposed to be able to plan for your future when every cent is going on today?
As your family grows, there is a good chance you will need to make a few changes to your home to accommodate everyone. This takes a big cash injection to make happen. Of course, if you’ve been saving up over the years you won’t have to pay over the odds with an interest loan.
How can you do this? Try to put just a few dollars each month away in a savings pot. This will add up over the years, and you’ll be able to cover much of the cost of your home improvement.
All of us want our kids to have every possible opportunity in life. Much of this pivots on the quality of education we can afford for them. Not every child wants to go to college, but having the choice will depend largely on the money you have set aside.
Some parents start putting a dollar a week away from the day their kids are born. This isn’t a bad idea. Put that cash in a high-interest account, and you’ll be surprised by how much you have put away by the time they turn 18.
More Kids or Pets
If you know you want a large family, then you know there will come a tipping point where your monthly budget no longer covers the extra expense. Put off your pregnancy for a year. Choose a cheaper first pet for your child, like a hamster. You can save up enough to help as your child grows older. As always, a little each month can really grow quite big quickly.
It’s hard to believe right now, but there will come a time when you just can’t work for a living anymore. A pension provides a labor-free income for the rest of your life once you retire.
The trouble is, many parents are now self-employed and don’t have a pension pot! This is very important to sort out, so speak to a financial advisor about more flexible options. Try to put as much into this as possible to reap better rewards at retirement.
Your End Of Life
This, sadly, is inevitable, and it can be very expensive. Funerals alone can cost thousands, and if your mortgage isn’t paid off, your family might be in trouble. Read up on life insurance options at lifeinsurancequote.co to see which level of cover will suit your needs in the future. It might depend on your circumstances today.
So many of us are consumed with figuring out how to pay the bills today. We rarely consider the consequences of not planning for tomorrow. After all, it’s not an easy thing to think about.
If you’re struggling to put together a budget that works for you, why not see where you can make more savings? How do you find those extra few dollars for the future?
A lot of us can take a pet for granted, and if you’ve grown up around animals, you may be very aware of dogs and their temperaments. For anyone that is new to owning a pet, they are more similar to us than you realize. […]
For many people, having a baby is something that has been planned. It is rare to find someone that gets pregnant when they aren’t planning to. So as it is a conscious decision, it means that there are plenty of things that we can do […]
If you grew up with a pet, then no doubt you will have many happy memories of the time you had together. As it happens, just over sixty percent of American homes have a pet, meaning we are a nation that loves animals. However, there are still just under forty percent of homes that have no pet at all. With all of the benefits that come from raising children around pets, then it seems quite a sad statistic. If you’re not convinced about raising your children around animals, then here are some ideas and reason to get you inspired.
- Children that grow up around a pet are reported to have fewer health problems, especially when it comes to respiratory problems. So if you’re putting off getting a pet cat or dog because of them shedding, then it won’t be affecting your health as you might have thought.
- Pets can teach children responsibility. If they have a dog that needs to be walked or a fish that needs to be fed each day, then it gives them responsibility over that pet. This is an important lesson for us all to learn, so why not when they are young? Seeing the consequences of their actions, in both a positive and negative way, is also a good life lesson.
- Teaching children empathy and to have a nurturing side to them is also an important lesson that can be a result of having pets. Like us, our pets will get sick from time to time. But being able to care for a sick pet can be a great lesson for our children. Plus, if you have to give medication to your pet, such as equine laminitis treatment for your horse or an anti-tick and flea treatment for a dog, it requires time and patience. All good things to be learning when our children are younger.
- Studies have shown that children that grow up with a close animal companion are likely to have much higher self-esteem. You can see from some of the points above, that improved self-esteem could come from the things children learn as they have a pet; a kind of feeling of independence. It could just be that having a pet makes them more confident and like they are never alone. Either way, it is not going to be a bad thing for them.
- If you have children that are on the autistic spectrum or are diagnosed with ADHD, then having a pet at home, or a therapy dog has been shown to help them gain more confidence. It has also been recorded to show that autistic children’s speech and communication can be improved with a pet, as well as lowering their blood pressure.
If you’re thinking of getting a pet for your family, then as you can see, it is pretty much a no-brainer! Not only do they help in all of the ways mentioned above, but they also help to create a sense of fun at home as your children will always have a playmate that can feel just like part of the family.
If you’re busy parents; it can be a challenge to find the free time to spend with one-another and catch up on how you’ve been. Finding a babysitter isn’t always possible, and money and routines might be tight, especially if your older kids are now […]
Photo Credit Life is all about the relationships we build. While the vast majority of them are superficial and lacking in depth, it is the ones that run deeper that make a real difference to our lives. If you are looking to form more lasting […]
If you go online, there are hundreds and thousands of articles about preparing for a baby, preparing for labour and how to manage your hormones during pregnancy. They talk about the moments leading up to birth and how you will feel after your baby is in your arms. The one thing they don’t talk about? Romance.
Post-partum, mothers and fathers the world over are TIRED. There is no other word for it. A tiny fireball has entered their lives and turned everything out of sync and upside down, and the only feeling that most new parents manage to identify is sheer exhaustion. Did you know that sleep deprivation was used as a torture method in the war? Well, welcome to torture! It’s only when you have a new baby in the house that you truly understand what exhaustion is. So, a new mother is generally weepy, overwhelmed, exhausted and in need of a good and hot shower to wake up and feel like a human being again instead of a milk machine. Because of this, it’s up to you fathers out there to pick up the reins of being a couple as well as parents. This is sometimes a difficult feat; the exhaustion we mentioned can skew the brain and the only thing you can think about is the next snatch of sleep.
Injecting a little romance back into your life after a baby is something you need to do slowly. A six-week check for Mom happens first, and baby needs to get into a routine of feeding and sleeping. Contraception is always discussed at the six-week check, but what you need to do is get yourself back in the groove as a couple without pressing the issue. Sex after a baby can feel like the last thing on the mind of a new Mom, and new Dads can end up feeling rejected, even when it’s not intended. You can do as much clothes shopping, manscaping and beard trimming as you like, but if Mom isn’t ready to get back on the horse – so to speak – you need to show her romance in other ways. Take the baby so she can have a catch-up nap. Run her a bubble bath to relax in. Support her by cutting up her food while she is breastfeeding. Change the dirty diapers and put on a load of baby washing so that she feels like you’re getting involved.
All these small gestures to show her you care actually warm a mother in ways you couldn’t imagine. Sex may not be on the cards the initial days after a baby, for either of you, but there are ways to be romantic without going the distance. A new baby changes your life, and it’s up to you to make sure that Mom feels like you are equally as invested in this little game changer as she is. Make those little gestures and she will fall more in love with you than she did before.
Summer is almost over, and if you’re trying to make the most of the dying embers, you may be wondering where on earth the last couple of months has gone. Time flies when you’re having fun, and before you know it, the nights are drawing […]