Setting an Allowance for Kids

Setting an Allowance for KidsTeaching financial responsibility to children is important, and one of the best ways to do that is to set up an allowance. It helps them understand money management in an effective manner. Right from buying their favorite toy to saving up to buy their dad golf accessories using the GolfNow.com coupons – kids can use their allowance money for many things.

A lot of experts hold the belief that children should be given allowance starting as early as 10 years. So how much allowance should you give your children? Let’s find out in the following article…

1. Form a Budget

Before you go ahead and create an agreement with your kids on how much allowance you will be setting up for them, form a budget. This helps you know beforehand how much money you will be able to give them every Monday or any day of the week you choose. As a parent, it will be your responsibility to give them their allowance on time and live up to your promise.

2. Decide on Chores

Talk to your children and decide if you want them to perform certain weekly chores in order to get the allowance. It’s completely up to you whether or not you base the allowance amount on the chores you give them. In case you require your child to do chores for receiving money, then explain this to him or her so that they know that their hard work is being rewarded.

3. Decide on How the Allowance Will be Used

While you want your child to have the freedom to use their allowance to buy what they want, you can also have a savings account set up for them. Having a savings account will teach your kid the overall importance of saving money. For instance, when you’re shopping online for a sporting gift for your husband, you would want to get a discount using something like the GolfNow.com promo, because you ultimately want to save money. Similarly, your children should also understand how to save the money they get so that they can make better financial decisions in the future.

4. Give Separate Clothing Allowance

If your son or daughter is a teenager, then chances are that they want to spend money on clothes. This is an addition to the weekly allowance you decide for them. When and if you decide to give a clothing allowance, make it quarterly so that you can set a budget for the clothes shopping. This will make your kids better at money management, and they will realize that if they put all their clothing allowance in buying one expensive shirt, they’ll have to make sacrifices for other clothing articles.

By giving your children an allowance you’re basically giving them the freedom to make financial decisions at an early age. This will help them to learn how far they can stretch their dollar amount. Just see to it that you live up to your promise and give the allowance on time because if you don’t, it can create a negative impression on them.

 

Image credit: Hobbies on a Budget

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How To Learn The Piano

How to Learn to Play PianoLearning how to play the piano can be a very musically rewarding experience. Beethoven’s 9th Symphony is one of history’s most well-known tunes, after all. Door bells have this tune done packed and even Windows; it is one of the songs listed in the sample music file.

There is a lot of greatness left to be discovered at the piano still and if you are keeping the idea of learning how to play the piano in the back of your mind, you just might regret it.

If you or your children are keen on how to learn the piano, then start learning today instead of getting around to it later. But learning how to play the piano, of course takes a lot of practice and commitment because you are learning where the notes are located at the same time while you are learning how to read music sheets.

You could go straight into a band to keep up your practice sessions regularly but that comes much later after you have become competent. For beginners, purchasing a reasonable electric keyboard is a good starting point. Once you develop a strong interest, and improve you skills, you can also graduate to a piano.

Piano lessons in your local area are a good way to get started, but they will require a time and money investment. Alternatively, piano guide books at your local music store or borrow them at the library.  If books are not your thing, then you may even consider software music tools such as Garage Band to learn with. This ingenious software has lessons created by the professionals and if you purchase a USB keyboard you can start to record your masterpieces. There are also many YouTube videos to be discovered and these videos will teach you the basics including how to read sheet music.

It is advisable to get familiar with reading music while you learn how to play. Once you have decided on which route you are going to take with learning how to play the piano, it is good to warm up your fingers well by stretching before you play in order to avoid strain on your hands.

Also while you play the piano, let your hands hang and just move your fingers. In the beginning, practice every day when you can for at least half an hour to one solid hour. It is also helpful to practice playing covers of your favorite songs. It is up to you how fast you want to excel in your piano playing skill.

 

Image credit: Judy van der Velden

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Are You Ready to Go Back to School?

With the hope of a brand new year staring us square in the face, many moms are putting a lot of focus on their life goals. Consider your own goals. Would you like to find a new job? Finally get that degree you’ve always dreamed of? Maybe you’re just interested in finding a new hobby. There’s nothing wrong with that. Something led you to read this article and that something is likely not just curiosity, but the drive to succeed.

You’re Never too Old to Further Your Education

College life today is not quite the same as it was 10 years ago. Colleges are growing by leaps and bounds, many branching out into the online education sector. Because of these recent shifts in the education sector, many parents are now feeling more confident about returning to college after a long hiatus. Being able to attend classes in the comfort of one’s home far outweighs the idea of sitting in a classroom filled with 19 or 20-something students when you’re 30 or 40-something. There’s also the family factor. When you’re a parent, it’s not easy to drop everything and go back to school. Kids get sick. Partners get called into work. Holidays, parent-teacher conferences and other activities interfere with the traditional college schedule.

Ivy Bridge College is one option that many moms are turning to today. An accredited college with a strong focus on helping moms succeed, IBC offers amazing support services, flexible scheduling, the ability to earn an associate’s degree in as little as 17 months, and the ability to seamlessly transfer to “name brand” 4-year schools to earn a bachelor’s degree. In fact, you can check out the entire list of IBC’s partner colleges here.

I’m Going Back – Won’t You Join Me?

Before I found out I was pregnant with my son, I had one goal in mind – getting through college and getting my degree. I switched things up here and there, as many do when trying to decide what career path they want to take. I went from taking a few classes to going to school full time and switched my focus each time. I started off as a major in English. I quickly switched to an Associate degree nursing program, then switched to Communications and back to English.

The truth is that I didn’t really know what I wanted to do with my life. I had waited five years to go college and all I knew was that I wanted a degree. I hadn’t really focused on what I wanted the degree in and the counselor at my local community college wasn’t a whole lot of help. I explored my options and tried to manipulate myself into believing that I could be happy with a high paying job that I would never really enjoy. No matter what I did, I kept coming right back to English with a focus on creative writing. Before my son, writing was my one true love. Although my priorities have since shifted, my love for the written word never diminished.

Today, I have 96 credit hours and no degree. I am capable of graduating with my choice of an Associates in Applied Science, an Associate of Arts or an Associates in English if I take just one class. Yes, there’s just ONE single class that I have to take to bring it all to fruition, receive my Associates degree and move on to my Bachelors. So why am I holding out? I hate Algebra. Not a very good excuse, huh? Well, it seemed like a good one when I was pregnant and struggling to make it to classes in between my full and part-time jobs. I had no time to study and I knew my GPA was going to suffer a heavy blow, so I withdrew.

I had planned to wait until my son started kindergarten to re-enroll, but with so many options available online, it seems silly to hold out any longer. So I’m finally taking the plunge. I’m going back to college and I’m finally going to get that degree that I spent so much time and money on. Why let it all go to waste?

Think You’re Ready to Go Back to School?

For those of you interested in going back to college, I have a little secret. Ivy Bridge has generously agreed to provide me and one of my readers with a $1,000 tuition discount. Isn’t that fabulous? But before I jump the gun, let me go over the details of this offer:

“To be eligible for the $1,000 discount off tuition at Ivy Bridge College (IBC), the qualifying individuals will need to be degree seeking, enrolled in IBC a minimum of part-time, and new to IBC (specifically, not someone who has already applied to, enrolled in, or requested information from IBC). Classes at Ivy Bridge College Extension are not eligible for the discount. Limit one per person.”

Are you ready to finally take the steps necessary to further your education? If so, please leave a comment on this post answering the following question:

Why do you want to return to college?

I will randomly select one reader’s comment via Random.org on 1/24 to be awarded the $1,000 discount at Ivy Bridge College. The individual selected will be notified by email, so make sure you provide a valid, frequently checked email address when you comment. The chosen commenter will have 24 hours to respond after the notification email has been sent.

It’s a brand new year. Let’s make it an amazing one!

 

 

“I participated in a campaign on behalf of Mom Central Consulting for Ivy Bridge College. I received a promotional item as a thank-you for participating and a discount on classes at Ivy Bridge College.”

This post may contain affiliate links or sponsored content. In most cases, products are provided to Moms Living Thrifty for review. All product reviews are written according to the writer's honest opinion, experience or beliefs. Your opinion may vary. To see more on our disclosure policy, please visit our Disclosure page

St. Louis Science Center – Don’t Miss these Holidazed Camps or this Deal!

St. Louis Science Center Logo

Holidazed CampsWhen School’s out the Science Center’s in!

If you live in the St. Louis area and you have kids at home, you definitely don’t want to miss this fabulous opportunity with the St. Louis Science Center. My family loves the Science Center because there’s just so much to see and do. With interactive exhibits and learning opportunities around every corner, it’s fun for the whole family!

Plus, right now, they are running a special offer for you, my awesome readers:

Join us for Holidazed Camp at the Science Center.  These fun day camps are held on days when most schools are closed. If you have a holiday or teacher conference day coming up, check out our Holidazed Schedule to find out what your kids can learn on their day off!

Geared for kids in grades 1-6 and include half or full day options.  All of these fun, hands-on science activities are held at the Science Center.

Cost: $30 per half day session ($25 for members) and
Cost: $60 per full day session ($50 for members)

Dates:

  • December 26-28 & 31
  • January 2 & 21
  • Februrary 18
  • March 18-22 & 25-28

For More information please visit: http://www.slsc.org/Just4Kids/HolidazedDayCamps.aspx

St. Louis Science Center Planetarium

Other holiday promotions that the Science Center has going on this winter break is our $10 OMNIMAX + Exhibition Combo Deal. For just $10, visitors get admission to the Born to be Wild OMNIMAX Theater film & our Wildlife Rescue Exhibition. Born to be Wild is an inspiring story of love, dedication and the remarkable bond between humans and animals. This film documents orphaned orangutans and elephants and the extraordinary people who rescue and raise them – saving endangered species one life at a time. Wildlife Rescue, an eye-opening, inspiring and wildly interactive exhibit for all ages explores the innovative ways used to capture, raise and release endangered species back to the wild.   My Readers Save $8 off the Museum – bookmark this link for this and more updated offers throughout the year – http://www.stlouiskids.com/coupon.php?bid=10985&dealid=1071®ionid=440

This post may contain affiliate links or sponsored content. In most cases, products are provided to Moms Living Thrifty for review. All product reviews are written according to the writer's honest opinion, experience or beliefs. Your opinion may vary. To see more on our disclosure policy, please visit our Disclosure page

Give the Gift of a Great Future with BGCA!

Kids Give Back

Your Participation in the BGCA Helps Give Many Kids a Brighter Future

One of the things that I love and respect about the Boys and Girls Clubs of America is that they help to give so many kids a brighter future. Of course, without the generous donations of people like you and me, a lot of the work that they do just wouldn’t be possible. Since the holiday season is upon us, many families are taking some time to teach their kids about the importance of giving and just how powerful generosity can truly be.

This actually marks the 2nd annual BGCA Give the Gift of a Great Future Holiday Campaign. You can visit the site to play the simple 30-second Giving Game where each win provides the BGCA with a donation. You can also make a donation directly on the website if you feel inclined to be a little bit more generous this holiday season. Donations start at as little as $5 and they go a long way towards the great work that the BGCA does! What better time to show your giving spirit than now?

Boys and Girls Clubs of America is even offering some helpful tips to help you share the joy of giving with your children this holiday season. I personally used some of these tips myself because I feel it’s very important to instill a giving nature in children. You can check out those tips here on the “Give Your Kids the Gift of Giving” page on the BGCA website. I found them very helpful with my 3 year old and I’m sure you will find them very helpful as well.

Did you know that the kids of the BGCA have volunteered over 1 million hours of community service? That’s a HUGE accomplishment! Why not help recognize these kids’ contributions by showering them with votes in the Kids Give Back contest. It’s easy to vote and the winning project will receive $2500! You can cast your votes right here.

 

I participated in a campaign on behalf of Mom Central Consulting for Boys and Girls Clubs of America. I received a promotional item as a thank-you for participating.

 

 

This post may contain affiliate links or sponsored content. In most cases, products are provided to Moms Living Thrifty for review. All product reviews are written according to the writer's honest opinion, experience or beliefs. Your opinion may vary. To see more on our disclosure policy, please visit our Disclosure page

General Overview of the IBM Professional Certification Program

IBM has long been on the leading edge of the inner workings of the IT industry. From the earliest computers and typewriters to the current complex technology we now have, IBM has withstood the test of time with a hallmark of IT innovation. The IBM professional certification programs reflect their vast resources of technological expertise by providing IT professionals with knowledge and proficiency to manage, operate, and troubleshoot in today’s fast-paced business world.

The goal of IBM Professional Certification is to offer a process that results in the validation of an individual’s skill and proficiency in the various applications of IBM technology and solution offerings. This is accomplished through a reliable and valid assessment process for a variety of separate skill areas in the IT industry. IBM certified professionals form a world-wide community of highly skilled individuals that seek excellence in selling, servicing, and providing problem-solving solutions in the business world.

You, too, can take part in the process. By combining your work experience with IBM’s outstanding educational resources and the certification exam study tutorials from Testslive, you can complete this challenging process and be rewarded by standing out from the crowd. Carefully consider your current skills in addition to skill areas that you would like to pursue in the future. Earning your IBM certification will increase your knowledge base and can also open the door to amazing career opportunities within the IT industry.

This post may contain affiliate links or sponsored content. In most cases, products are provided to Moms Living Thrifty for review. All product reviews are written according to the writer's honest opinion, experience or beliefs. Your opinion may vary. To see more on our disclosure policy, please visit our Disclosure page

Five Tips to Get You in the Back to School Groove

It is that time of year again, back to school. This is a time that parents look forward and dread all at the same time.

1. Start a bedtime routine at least a week in advance

If you are anything like my family your summer days have been filled with laid back bed times. The days are longer and you are out doing more so it is easy to let your kids stay up later. At least a week before school starts it is time to begin getting in the bedtime routine for the school year. You do not have to be as strict as you are during the school year, but you must begin preparing your kids for the long days ahead.

2. Creating Regular Meal Times

If your summer schedule has been lax and meal times have been a bit off, try getting back on a regular schedule. Have set times that you eat each meal and try to limit snacking as they will not have the option of going to the fridge any time they want when they start school.

3. Read

It is easy to slack off on reading during the summer. This is the time to start getting back into the routine of reading for at least 30 minutes each day. This is a great bed time routine. Send the kids to their rooms to read for half an hour before bed time each night. If your child is young, it is a great bonding time to read to them each night.

4. Organize your home

Chances are that your home has become a bit unorganized over the summer. Now is the time to get it back in order. Make sure to create a quiet space where your children can go to complete their homework each night. Have a plan in place for where the children are to go after school. If they are coming home and will be alone, make sure that they know what they are supposed to do. Leave easy to prepare snacks for them to come home to. If you will be there when they get off the bus have a plan for what the routine is going to be. I like to give my children an hour of down time before starting their homework. This allows them to unwind a bit from the school day. This is also a good time to plan after school activities and set up routines for nights that these take place as well.

5. Create a Family Tradition for the Last Day of Summer

Creating a family tradition that takes place on the last day of summer each year can be a fun way to start the school year. My family has started the tradition of having ice cream for dinner. This is an easy tradition and something my boys love. We go to the grocery store and they get to pick out their favorite ice cream and toppings. A big ice cream sundae for dinner the night before school starts is cheap, fun, and something that we do not do at any other time of the year. Just make sure that they brush their teeth well!

This post may contain affiliate links or sponsored content. In most cases, products are provided to Moms Living Thrifty for review. All product reviews are written according to the writer's honest opinion, experience or beliefs. Your opinion may vary. To see more on our disclosure policy, please visit our Disclosure page

Moms Living Thrifty – 30 Day Blog Challenge – Day 20

Well, I’ve made it to day 20 in this blog challenge and I’m starting to feel accomplished. Who knew that forcing yourself to write every single day could make you feel so great? Well, it wasn’t great all the time. Especially not the past five days. That cold I had really kicked my butt, but I took some time and rested up the past three days. I’ve got to make up for that lost time this week, so you’ll probably see some shorter posts from me. Unfortunately, blogging doesn’t pay the bills!

So, to the post of the day!

 

How important you think education is…

 

I think education is extremely important; however, I’m not talking about just a textbook education. I’m a firm believer in hands on experience. Let’s face it; you can learn everything that other people think you should know about the world in books, but until you get out there and experience it for yourself, you’ll never really know what YOU think about it or how you might react to one situation or another. In addition, different people learn in different ways, so one technique will not always suit every situation and every student.

A well rounded education plays a major role in every continuously developing society. Without an education, it is more difficult to understand the world around you and it is even more difficult to figure out how you fit into that world. Individuals who lack education also tend to have lower self esteem, take lower level jobs and often find themselves frustrated with life.


So, with all of that said, I personally feel that providing children with a strong educational foundation as early as possible is the most critical step in ensuring a lifelong interest in learning. Showing  your children that you take an interest in education and taking the time to participate in their education whenever possible is imperative.

 

Photo Credit: my_new_wintercoat

 

How important is education to you?

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Creative Kids’ Activity: Easy Homemade Finger Paint

One of my three year old’s favorite activities right now is something I remember fondly from my own childhood: finger painting! He loves to sit up at the table, mix colors and let the wet paint drip from his fingertips onto the paper. Right now, he could not care less about any sort of picture he’s creating; instead, it’s all about the feeling of the wet paint in his fingers and the fun of swirling colors together. I do give him paper to “paint” on, but what he ends up with is all the paint from the container in one big blob in the middle of the page.

Due to this technique of his, we go through quite a lot of paint. Yet, I don’t spend much money on finger paint because I make it myself! It all started when I was starting to plan some preschool activities for him (we’re not sending him to preschool this year, and since preschool at three years old has become so common, I guess you could say we’re homeschooling this year). Not wanting to spend much money at all on supplies, I wondered how to make finger paint. Of course, a quick Google search presented plenty of options. I chose the recipe that looked the simplest. Ready? It’s pretty complicated. Not really.

1 cup flour

1 cup water

1 ½ tsp. salt

That’s it! Mix these three ingredients together, and you’ve got homemade finger paint. I use my KitchenAid stand mixer, and the whole process takes about 2 minutes – a bit longer when I let the little guy help with the measuring and pouring. White works for sensory purposes, but if you want to paint a picture or learn about and/ or mix colors, then simply add a couple drops of food coloring during the mixing step. I usually divide the mixture into two different colors, so we can mix them and have some variety. You could also make a larger batch and keep the finger paint in the refrigerator in a covered container.


What are you waiting for? Making finger paint is a quick and easy project that costs almost nothing, and your children will love it! Oh, and it’s incredibly easy to clean up. Even better!

 

This post may contain affiliate links or sponsored content. In most cases, products are provided to Moms Living Thrifty for review. All product reviews are written according to the writer's honest opinion, experience or beliefs. Your opinion may vary. To see more on our disclosure policy, please visit our Disclosure page

Moms Living Thrifty – 30 Day Blog Challenge – Day 04

Yay! I’m more than halfway through the first week of this blog challenge and I’m feeling really great about it. In fact, I’m sitting here typing this up with a smile on my face simply because I’m thankful for the question that I’m about to answer for the challenge today. Why? Well, read on and find out!

The question for day four is:

What are your views on religion?

 

My views on religion might be considered by some to be slightly skewed. I was raised Roman Catholic until age 12. I attended a private Catholic school and was taught how to live a good Catholic life. We attended church on three times weekly, with two of the masses being conducted during school hours.

My father, his parents and the majority of his sisters and brothers were Catholic. However, I have one aunt that is an atheist and an aunt and uncle that are Methodist on my father’s side. My maternal grandmother was somewhat nondenominational. She attended Methodist, Baptist and Presbyterian churches. My maternal grandfather was Pentecostal.

To say I had variety in my life when it came to religion is pretty accurate. Once private school became too expensive, I began going to church with my maternal grandmother. It took a bit to adjust to the way that other churches conducted mass, but it was definitely interesting. It also seemed to be a lot more fun.

Once my eyes had been opened to other religions, I soon grew even more curious about the many other religions that people practiced. I was constantly picking up books to learn more, I’ve even studied Celtic beliefs and earth magic, but none of this ever took precedence over my Bible. However, opening my eyes to other views has changed the way that I live my life.


With all of that said, I have no issues with religion. In fact, I believe that if you can manage to take the good things out of each religion and combine them into one, you would really have something amazing.

Do I believe in a higher power? Absolutely. Do I believe that there is only one true religion? No. Do I like to discuss religion? Not particularly. Why? Mainly because I don’t see a reason to argue over religion unless your religion expressly instructs you to hate. I have no interest in hate, nor do I have any interest in arguing over similar things that are simply done differently.

Good is good. Bad is bad. Knowing the difference well enough to choose the good every time is phenomenal. I am trying to live my life in a way that is caring and compassionate, helpful, healthy and happy. Hey, phenomenal would be amazing, but nobody is perfect!

What’s your take?

This post may contain affiliate links or sponsored content. In most cases, products are provided to Moms Living Thrifty for review. All product reviews are written according to the writer's honest opinion, experience or beliefs. Your opinion may vary. To see more on our disclosure policy, please visit our Disclosure page