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Nicole

Reducing The Cost Of A Growing Family

A growing family can be an expensive thing; whether you’re bringing a new life into the fold, or your children are rapidly growing and seemingly eating everything in sight, you’re going to be spending a lot more than your budget might be comfortable with! 

And that’s something we should focus on tackling, for the sake of your household turnover and your peace of mind. So, without further ado, here are three top things to do to help cut down the costs of raising children – better yet, they can be done right now! 

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Negotiate for Cheaper Child Care

Child care can be hard to pay for if you don’t have any family members to step in. But we can try to change this. After all, one of the best ways to cut down on child care costs is via working from home, or remote working. If your workplace does not already offer this as an option, there are some great ways to suggest it out there – a bit of confidence can go a long way to saving you money! 

Invest in Insurance

Insurance is a great thing for a family to have, simply because so many things can get broken when there are young children in the house! However, some insurance policies are better than others, so you’ve got to be smart about what type you take out here. 

Life insurance, for example, is going to be a worthy type to invest in. If you can rest easy at night, knowing that if anything happened to you your family would have the money to guide them through, you’ll be dealing with far less financial stress. 

So make sure you do your research; take a look at the most popular providers and compare them – you can start with these Primerica reviews, but make sure you look a little deeper into the contract and what’s on offer. You may also want to look into health insurance, or refining your current policy, and it never hurts to look into long-term disability insurance as well. 

Tackling the Food Shop

The food shop is probably the number one thing you dread; shopping for two or more people is difficult, and kids are notoriously fussy eaters! However, if you always buy when something is on offer, and buy in bulk, you’re going to be able to save a lot of money in the long run. 

Try to practice this principle with non-perishables, as they’ll keep it in the cupboard for a long time. Similarly, make sure you know how to properly store fresh food, and always mix those small leftovers into other, more substantial meals. Try to buy frozen wherever you can. The cost of a growing family can be huge – at last count, it stood at over $200,000 to raise just one child! So when you have a bigger family, it can feel impossible to manage a budget; make sure you keep the above ideas in mind to tackle the most troubling areas.

Disrupt Aging: The Changing Face of Caregiving as a Millennial

 

Disrupt Aging: The Changing Face of Caregiving

Growing up my grandmother was the strong-willed, hyper-capable matriarch of our family.  A woman who spent most of her life caring for her entire family. From raising her youngest brother to helping put her younger siblings through college, she always found a way to be of service to those near and dear to her heart.

Even in her later years, her life served as an example of courage and strength. Despite an early onset dementia diagnosis, she remained as engaged, lively, and empathetic to others as she was able to be. With her life being a shining example that when it comes to aging, a life build on character and grace will take you far in life. As beauty is truly a fluke of nature, whereas a woman who becomes more beautiful as she ages, is the result of a life well-lived.

Born in the Appalachian Mountains on Taylor’s Mountain, Virginia in 1944, as the second oldest of six, my grandmother, Carolyn, took to her role of caretaker with poise and grace. At the age of 10, her family was disbanded and siblings were each sent to various homes in their area as their family could no longer afford to feed their children. My grandmother was sent with her youngest brother, Danny, who was a newborn child. At the age of 15, she tested out of her county school and became the first in her family to graduate from high school. She would take a factory job and secured herself a home. At age 16, she legally adopted her brother and raised him as her own.

While raising her brother, she received a grant that allowed her to quit her job and attend college. She and her brother lived in a family dorm suite while she went to college and eventually receive her master’s. Working nights cleaning the school and tailoring dresses for professors’ wives to pay boarding fees. Shortly after college, she would marry and become a mother, twice over, only to divorce a few short years later. After her divorce, she relocated to the D.C. area where she took a job at the veteran’s administration.

Disrupt Aging: The Changing Face of Caregiving

There she would become a regional director and the first woman Shop Stewart of her union in her region. She also befriended many veterans and became a staunch anti-Vietnam protestor after seeing the condition of veterans coming home. This is a picture of her in the summer of 1965. Taking a break from helping to register African Americans to vote. The same woman who in two decades’ time would take on the task of raising me. By way of the woman from whom I learned to care for others and to allow others to care for me.

Despite the difficulties she and I faced together over the years, it was a true honor in being her caretaker for her last few years of life. The privilege of serving the woman who served so many others throughout her life. An opportunity to pay it forward to the woman for whom I owe so much of my own success in life. And with her passing, I strive daily to fulfill the role of provider and confidant she lovingly bestowed upon me. To cultivate the same sense of loveliness she embraced in life. Both as the woman of her own home and caretaker for our family.

Because there are many types of caregiving. Many of us think of caregiving as literally taking care of a person who can no longer take care of themselves. As an adult millennial, I witnessed my grandmother taking care of her elderly mother. This is where I learned about what the continuum of caregiving means for those of my generation. From working with physicians, therapists, and later hospice workers to collaborating with loved ones on monitoring exercise, medications, and company for elders within our reach. Working side-by-side with our elderly to maintain their comfort, dignity, and daily routine as much as affordably possible from diagnosis to hospice.

Because caretaking is an occupation that affects every generation. With nearly 24% of the 40 million family caregivers in the United States being fellow Millennials. Including my own personal caregiving journey.

With this in mind, here are a few very important roles to consider as a millennial caretaker or someone starting the journey of caretaking themselves at home:

Social Outreach

In this role, I made sure that she was cultivating and maintaining relationships with family and friends. Setting up scheduled FaceTime calls, holiday Google Hangouts, and the like. This allowed her to remain connected to memories and sensory stimulation. Vital to her in her later years as an Alzheimer’s patient.

Human Services

I often acted in the capacity of her social worker. Making sure her health insurance, premiums, deductibles, copayments, taxes, final arrangements (including the power of attorney methods were in place and acting as the executor of her will and living will), voter registration, and banking needs were are order. Requiring me to be both knowledgeable of her ever-changing personal information as well as in keeping her personal information is up-to-date and correct. I spent untold hours researching health programs, coverage overlaps, available medical grants, and prescription information.  All the while compiling a veritable, working dossier of her information and effects each quarter year.

Chauffeur

Due to both an Alzheimer’s and glaucoma diagnosis, it was imperative that I be available to take her anywhere she needs to go. A skill that took time to coordinate between family members.

Keep in mind, as family members age, there is a lot to consider. Emotions that will come into play. Being ever mindful that despite a diagnosis, our elderly loved ones are not children, despite a child-like demeanor. A situation that requires caretakers to be even more mindful in their bedside manners. To be full of compassion, empathy, and readiness to change.

Caretaking is all about building relationships. Relationships built on a foundation of mutual respect. Even at times when I would be completely frustrated with my grandmother’s mood swings or absence of necessity of my own personal boundaries and personal identity, it was key for me to remain steadfast in my ability to remain calm, to ask for help when I became overwhelmed, and to remember who and what she was, my grandmother. A role that no diagnosis would be able to change.

As the most important of these roles being that of compassion. For no matter how challenging a day, I was presented, no matter how demanding my day, my commitment to her care was key. Despite how increasingly heartbreaking days became, it was an honor to aid her in whatever life brought our way.

Even in her later months, she taught me some of my most valuable lessons. Including the knowledge that love and compassion will continue to play vital roles throughout my life. That the dignity we give those we care for sets the stage for the care we hope to receive as elders ourselves. To always be mindful of the journey of others.

For that is ultimately where the heart of caretaking lies. A bedrock of love and compassion.

Friends, are you are caretaker? What are your tips for Millennial caretakers this season? Share your stories, tips, and thoughts below.

Disrupt Aging: The Changing Face of Caregiving

Using Your Hobbies as a Way To Reduce Stress and Relax

Hobbies can be a surprisingly effective way to reduce stress–at least if you know how to use them properly. In this post, we’re going to take a look at some of the strategies you can use to turn your hobbies into a stress-beating activity.

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Check out new hobbies that you haven’t tried before

If you think that your hobbies are making you stressed out or they’re causing you to get annoyed, then you should consider trying something else. It might be frustrating to let go of a hobby and throw away all the time that you’ve spent on it, but if a hobby is becoming stressful then it’s an indication that it’s no longer good for you.

You can check out this guide from tailoredtackle.com to learn about fishing, you could ask friends and family members what kind of hobbies they like, or you could see if there are hobbies that are somewhat related to what you currently like. With so many different kinds of hobbies to engage in, you’re sure to find something that is a lot less stressful and much more interesting and enjoyable.

Engage in hobbies with people that you like hanging around with

Unfortunately, no matter how much you enjoy your hobbies, there are going to be situations where you just can’t have fun with them because of the people around you. Perhaps you’ve recently joined a community of people that share similar interests and some of those people cause you a lot of stress. Maybe they’re judgemental about how you enjoy your hobbies, or perhaps they get upset or frustrated and bring the mood down.

Since you want to enjoy your hobbies as a way to reduce stress, you’ll want to avoid these kinds of situations as much as possible. Stay away from people that contribute to your stress and instead, focus on hanging out with people that you can enjoy your interests with.

Aim for achievable goals and take it easy

Hobbies can be taken very seriously if you want to push for big goals. A drawing hobby could suddenly turn into a part-time job if you’re not careful, and there are some hobbies that can become competitive if you want to aim for new horizons. When you get into a hobby this deep, it can be enjoyable to compete against others or set hard-to-achieve goals for yourself, but you need to learn to take it easy now and then and ask yourself if you really want to push for those goals.

The problem with setting goals is that many people aim way above what they’re capable of and end up failing to reach what they set out to achieve. In a situation like this, you might feel stressed, upset, or even annoyed that you weren’t able to reach those goals. As such, if you want a stress-free way to enjoy your hobbies, try not to aim above what you’re capable of and relax a little by taking it at your own pace.

Marketing Your Business: 2021 Style!

The world is a changing place and if there is one place that is changing rapidly, it’s the marketing strategies that your business needs to keep up with. If you look at the world a few years ago, you would have seen more newspapers and billboards than websites and apps. The ways that you can promote your business and gain attention are changing, and the world is far more focused now than ever on online marketing.

Marketing in 2021 is different from what it used to be. There are plenty of ways – thankfully – that you can practice business promotion in 2021, and promotional cell phone stands are still a thing, too! Marketing has to capture the attention of the customers, potential clients and more to ensure that you appeal to everyone and earn more money for your business. So, with this in mind, here’s how to promote and market your business in 2021!

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  • Use PPC. Google is a machine for advertising, but it would help you to have all the information and tools possible to market with it. Pay per click is going to help your business massively, especially as 85% of the revenue through Google comes from Google Ads as a platform. The growth over the past decade for Google Ads has been massive, and it’s only continuing to grow. When you use PPC, you only pay for what your consumers click on. So, if you have compelling adverts on your website, you will get the clicks through from the right customers!
  • Use Social Media. Advertising has to be able to reach your customers directly, and the best way to do it for most people is to use social media. Everyone who is anyone has social media, and from Twitter to TikTok, most people have some form of social media these days. Utilizing every social media platform you can is important!
  • Online Exhibits. With the pandemic over the past year, you may find that most of your activities have moved online. You can hold online expos to show off your business and then send out freebies to your customers afterwards if you want to continue to make an impact!
  • Email Marketing. There is a lot of talk to say that email marketing is dead, but that can’t be further from the truth. Email marketing is going to continue to make your business reach your customers as you need to. You can get into the inbox of the people who sign up on your website, which will give you a direct “in” with people who have an interest in what you need.
  • Contact Influencers. We’ve all seen the rise of the influencer on TikTok and Instagram. Hiring one of them to use and market your products will help you to make a huge difference with how many people you reach and your sales. Marketing your business is both complicated and easy in 2021 – so make sure that you get it right the first time and you will bring in the money.

5 Things to do Before Home Educating Your Child

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Homeschooling is something that many families tried for the first time during the COVID-19 pandemic while schools were closed. For some parents and their kids, the home educating experience was stressful, but for others, the situation worked out well and was something they all enjoyed. If you loved educating your kids at home during quarantine, you might be considering making this a permanent arrangement.

Educating your child at home provides a unique opportunity to spend more time together and develop their learning away from a mainstream school setting. Homeschooling allows you to focus on your child’s strengths and give them a greater level of attention than they would receive learning in a class full of their peers. There are many benefits of homeschooling your child. Home education offers you increased flexibility in your family life, the opportunity to focus on areas of learning that interest your child the most, and the ability to work at their pace. But, before you take the leap and take your child out of school, there are a few things you will need to consider first. Thinking about how homeschooling will work on a practical level and how you will implement your child’s education should help make your first steps into home learning a positive experience:

Plan Your Schedule

Figuring out the logistics of homeschooling is essential to ensure you can commit to the time needed for your child’s education. If you work or have other commitments, you may need to juggle your time to make homeschooling work for you and your family.

Thinking about how you will plan lessons around your existing schedule should make it simpler for you to get into a home education routine. One of the benefits of homeschooling is that you don’t need to follow a strict timetable, but it is helpful to get into some kind of routine. Getting into a routine will ensure you get plenty of blocks of quality learning completed, and you can cover every subject without running out of time each week.

Do Plenty of Research

There are so many different methods to homeschool your child, so it is helpful to look into the different approaches you can take to see which will work well for you. Seeing how other people make home education work for their family and then using a little trial and error will enable you to tailor your efforts and create your own style of learning that matches your child.

Considering how your child learns best is crucial to ensure they benefit from the home education experience. Some children learn best visually, while others pick stuff up better from being hands-on and experiencing things first-hand. Every child is different, and the beauty of home learning is that it enables you to work with your child’s individual strengths to enhance their learning experience. Researching different learning approaches should deepen your understanding of what homeschooling will look like for your family.

Gather Your Resources

Before you begin homeschooling, you will need to gather together the resources you need to facilitate your child’s learning. You will need both physical equipment such as stationery and books, as well as learning resources to guide your teaching. Finding resources containing information on teaching tips for specific areas of learning will come in really helpful. For younger children, this could be looking for easy tips to teach letter sounds to help get their literacy off to a great start. This kind of guidance can be invaluable when you begin homeschooling and are still building up your confidence and getting used to your new role as your child’s educator.

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Consider Local Education Requirements

While homeschooling provides you with greater flexibility levels for your child’s education, you will still need to ensure they receive a balanced learning experience. Different states have different requirements for homeschooling families, so the criteria you need to meet will vary depending on your location. 

Some US states only allow homeschooling if it meets one of the options they deem acceptable, so this is something to be aware of when planning your child’s learning. You may also need to have reached a certain standard of education before you are permitted to teach your child at home. Familiarizing yourself with all the state legal requirements for home education is a crucial first step and should help you deal with any issues before you get started. 

Build a Support Network

Home educating your child can feel a little lonely at times, and you may have days where it feels challenging to be both your child’s parent and educator. On these days, it can be super helpful to have a network around you to offer guidance and support. Joining home ed groups online can help you feel part of a supportive community and is a perfect opportunity to connect with other like-minded parents. As a new homeschool family, it can be helpful to have others to bounce ideas off while you are finding your feet. Being able to ask for advice whenever you need it from people with similar experiences can help make homeschooling a whole lot easier.

Don’t Forget Social Interaction

One aspect of homeschooling many parents worry about their children’s socialization. Developing social skills and interacting with peers is a vital part of a child’s development. Missing out on interacting with other kids could impact your child’s wellbeing or make it harder for them to adjust to the work environment as an adult. Arranging meet-ups with other local families that home educate can provide your child with a valuable opportunity to make friends and interact in a social setting. You could organize educational visits together to places such as zoos or museums to further enrich your child’s learning while being around other kids.

As a parent, these meet-ups could be just as beneficial for you and provide some adult conversation and the chance to form new friendships. Home educating will be so much more productive if both you and your child are gaining positive benefits from the experience.

Why Knowing The Right People In Business Can Save So Much Money

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In business, your aim is to do what you can to build an empire. We’re all in it to see lots of success, after all. In order to make your money grow in this world, you need to ensure that you have vast amounts of knowledge and that you work hard. You also need to make sure that you’re diligently going through pretty much every aspect of your business so that faults do not occur. If you do these three things, then longevity is likely to happen. 

In order to make profits, you also need to lower the money that goes out. Saving money while building a business matters so much. There are plenty of tricks and trips to achieve this, of course. One of which is through knowing the right people or right groups. Why does this save so much money? Well, here are five reasons: 

Trial And Error Won’t Exist 

If you have the right people in your list of phone contacts, then you won’t have to spend time and effort looking for the right individuals or companies to work with. You won’t have to continually try new things, fail, and learn the hard way. While learning this way helps a little, it’s much better when you work smarter and get things done in half the time. Stress, money, time, and effort will all be gone after getting in touch with the perfect contact. 

They’ll Give You Discounts Based On Their Closeness To You

If you know somebody that works in a particular position of power, then they’ll likely give you something for a little less than what others would normally get. This works in the lowest of positions and in the highest. Your negotiations could be a lot simpler if you were friendly with a particular group that would likely benefit you in the future. 

You Can Be Pointed To The Right People All Of The Time

The world of business is like a huge spider web of contacts that typically all know one another in some way, shape, or form. The more people you know, the more mutual friends you’re going to have in the industry (and in other industries). You could get in touch with someone and they could help you to get significant savings on LTL freight shipping at a time where you thought the prices were at an extremely unforgiving high. Don’t be afraid to introduce yourself – it could benefit you more than you think. 

You Won’t Have To Go Through Rigorous Vetting Processes 

Finding the right individual or group can be quite a pain in the backside. If you know the right person, then you could just run straight to them and the job could be finished in a matter of hours. 

The Reputation Of Your Business Could Skyrocket

It really is who you know in this game. If you have the right contacts, then your business will likely rise through the ranks quicker than if you don’t have them. You need to ensure that your business is growing, and the right people can make that happen.

How To Make Your Money Grow

We all wish that money grew on trees. Let’s face it: it’s the one thing in the world that most of us just do not have enough of and if there was a way to make more than don’t compromise your sleep or your family, you’d do it! The thing is, making your money grow is really in your hands, even if it does mean a few sleepless nights in the meantime. You don’t have to be at the mercy of your boss all the time, and you don’t have to feel helpless that your current circumstances will never change – they absolutely can. 

Some people go out there and make a lot of money from other people making money, like Jorge Hank Rhon, who owns some of the biggest Mexican casinos. You may have to ask your boss for a raise from time to time, but it’s not the only option out there. You can be in control of financial growth, and we’ve got some of the simplest ways for you to make your money grow.

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  1. Start tracking all of your finances. From the spending to the investments, savings, and more, you need to start getting a handle on what you’re spending. The best way to do that is to have a plan in place for tracking all of this and creating a budget plan so that you can better spend your money properly. If you know where your money is going, you can track the waste that’s happening and stop that in its tracks. This will also allow you some more disposable income as a result.
  2. Always pay yourself first. If you want to grow the money you need to add money to your savings account before you put money into disposable incomes. You need to know that your savings are a part of your expenses, and you can ensure that you enjoy every second of that spare cash to spend elsewhere. Build your savings into your budget and you won’t skip out on it.
  3. Start a side hustle. Whether you are going online to flutter some cash and multiply it on gambling sites, or you’re making clothes and selling them online, you need a side hustle to get you going. You can budget and track your spending properly and by paying yourself first, you can spend much less than you expected to.
  4. Build a residual income. This can be done easily enough and when you have a passive income, you’re earning money without having to do much in the first place. Take the time to learn about all the different passive income streams and you can get started on a whole new way of earning.

Making your money grow is so important and if you want to ensure that you continue to grow it, then follow the tips above and make your money work for you. Take your time – your cash can be grown the way that you want it to be! Your money should work for you, so make it happen.