Make Quality Time with your Child Count

In today's busy world, work, household chores and social activities all put a strain on your time with your child. But as you well know, it's imperative that you spend quality time together. It helps strengthen the bond between parent and child, and lets your child know you can be trusted and counted on. Children who spend quality time with their parents often do better in school, and excel in extracurricular activities, hobbies or sports. And though it can be 'scheduled' to a degree, it's something that happens when you least expect it.  Therefore it's important that you do spend as much time as possible with your child in a relaxed atmosphere and do things together that you both enjoy. 

But you're asking yourself, "Where am I going to find the time? My schedule's crazy enough as it is!" Well, for something as important as your child, you need to start digging around in that crazy schedule and find the time.  Prioritizing is the key. 

Here's some helpful suggestions on how to make the most of your time and find quality time where you least expect it.

Look at your household chore list and decide which ones can be left undone or be done imperfectly in order to make more family time.  You might also want to consider leaving certain things until after your child has gone to bed to make the most of your time together.

Turn some of your everyday routines together count.  Sing some favorite silly songs on the way to daycare, or make that drive to and from school a great opportunity to discuss what's happening in your child's life.

If you have more than one child, realize that each of them needs your individual attention. You may really have to juggle things around to make this happen, but try to be flexible and creative when spending time with each of your kids.  And no matter what, don't skip those individual times with each child.  By doing so you show them they're lower down on the priority list than the dry cleaning or the grocery shopping.

Children thrive on stability and routines, so plan your quality times so that they can take place regularly. Maybe you can walk the dog together on weekend morning, take a shopping excursion together, have a scheduled night each week for a sit-down dinner together, or make a trip to the park.

Actively Listening to your Child

Communicating with our children can be a difficult task at times.  We feel like they're not listening to us; they feel like we're not listening to them.  Good listening and communications skills are essential to successful parenting.  Your child's feelings, views and opinions have worth, and you should make sure you take the time to sit down and listen openly and discuss them honestly.

It seems to be a natural tendency to react rather than to respond.  We pass judgment based on our own feelings and experiences.  However, responding means being receptive to our child's feelings and emotions and allowing them to express themselves openly and honestly without fear of repercussion from us.  By reacting, we send our child the message that their feelings and opinions are invalid.  But by responding and asking questions about why the child feels that way, it opens a dialog that allows them to discuss their feelings further, and allows you a better understanding of where they're coming from.  Responding also gives you an opportunity to work out a solution or a plan of action with your child that perhaps they would not have come up with on their own.  Your child will also appreciate the fact that maybe you do indeed understand how they feel. 

It's crucial in these situations to give your child your full and undivided attention.  Put down your newspaper, stop doing dishes, or turn off the television so you can hear the full situation and make eye contact with your child.   Keep calm, be inquisitive, and afterwards offer potential solutions to the problem. 

Don't discourage your child from feeling upset, angry, or frustrated.  Our initial instinct may be to say or do something to steer our child away from it, but this can be a detrimental tactic.  Again, listen to your child, ask questions to find out why they are feeling that way, and then offer potential solutions to alleviate the bad feeling.

Just as we do, our children have feelings and experience difficult situations.  By actively listening and participating with our child as they talk about it, it demonstrates to them that we do care, we want to help and we have similar experiences of our own that they can draw from.  Remember, respond - don't react.

Importance of Saving- Saving the Best for Last

The value of money cannot be underestimated. In a recent national survey, more than 96% Americans agreed that early monetary savings would help one achieve a fruitful and stable life.

Saving is a way of insulating oneself from the many symptoms of health and natural adversity. While an average youth of yesteryears thinks more about short-term financial goals such as purchasing a new pair of signature shoes, owning a new jet ski or a brand new car, statistics show that more and more are starting to realize the importance of keeping a personal savings.

Long terms goals are described as goals that have a lasting effect should a person’s present actions be religiously maintained.

The following statements are outlined to provide information and tips on how you can start up your money-saving gimmicks and ensure a happy and financially stable future and list the reasons as to why saving money should occupy a greater place in our list of priorities in life.

Reasons for Saving:
  • Saving for your Future and Present Needs – Saving today will provide you with flexible financial resources in the future.
Keeping at least 20% of your monthly earnings while using the other for your household, personal and unexpected expenses will surely play a big part in your pursuit for a stable future.
  • Saving for an Investment Need – Savings can also be a source of your future capital for engaging in business enterprises.
It will provide you more opportunity for venturing on your unexplored talents and earn you a huge potential in increasing your money exponentially.
  • Saving for your Retirement – More than 23% of today’s elderly were shown to have failed in one instance in their lives, to save and strategically used their money for preparing their way to retirement. As a result, these folks extend their entire retirement career working on an equally satisfying job that pays them enough to cover their basic expenses.
Keys to Fulfilling your Saving Goals:

No matter how good our intentions and objectives for saving are, we should also take note that goals can fall and touched the following baselines or characteristics.
  • Attainability – Goals should be something attainable and one which can be achieved without you doing something extraordinary or illegal. A little amount of patience and hard work are key.
  • Consistency – Changing your goals from time to time due to incidents that may arise in the near future are sure ways to deterring your intention to save.
While we need to focus on the present incidents, we also need to take hold of our original intention and continue until you have gained enough leads to get it.

Tips on How to Teach Your Kids to Save Money

A lot of teens nowadays do not understand the value of earning and spending money. They were not oriented that investing is necessary even if they are still students. As parents, you play a crucial role in this area.

You should be able to teach your kids on how to save money. They should be able to understand the concept of money and investment as early as childhood. This will prepare them to learn money management, as they grow old.

Here are some tips on how you can teach your children how to save money:

1. Your children should be educated of the meaning of money. Once your children have learned how to count, that is the perfect time for you teach them the real meaning of money. You should be consistent and explain to them in simple ways and do this frequently so that they may be able to remember what you taught them.

2. Always explain to them the value of saving money. Make them understand its importance and how it will impact their life. It is important that you entertain questions from them about money and you should be able to answer them right away.

3. When giving them their allowances. You need to give them their allowances in denominations. Then you can encourage them that they should keep a certain bill for the future. You can motivate them to do this by telling them that the money can be saved and they can buy new pair of shoes or the toys they want once they are able to save.

4. You can also teach them to work for money. You can start this at your own home. You can pay them fifty cents to one dollar every time they clean their rooms, do the dishes or feed their pets. This concept of earning little money will make them think that money is something they have worked for and should be spent wisely.

5. You can teach them to save money by giving them piggy banks where they can put coins and wait until they get full. You can also open bank accounts for them and let them deposit money from their allowance. You should always show them how much they have earned to keep them motivated.

Money and saving is not something that is learned by children in one sitting. You should be patient in teaching them and relating the value of money in all of their activities. Children will learn this easily if you are patient and consistent in guiding them and encouraging them in this endeavor.