Grandma style

So, I finally gave in yesterday after lunch I decided to go home and rest. The blizzard just kept going and sadly the trains home, did not. Just my luck. I got home after a never ending journey of waiting, freezing, did I mention it is 10 F (-12 celcius) outside and a storm so I felt like finding a dead animal I could gut and crawl inside to find heat. #starwars #dicaprio

I did not find any animal so I had to freeze until I got home. Gotta love public transportion in Sweden…

So I got home and after digging my way thru the glaciar that was once my driveway and I realized that no car could park here. The town is’nt big enoug for both of us. One had to go and it was not me. So with a fever in my body I would have attacked this dispickable natural disaster called Snow with some sucsess, if not my darling children had played with the shovel somewhere outside before they left home for a week. The shovel was gone after all so I took a spade and started working. I felt like I was digging myself out of Alcatraz with a plastic disposable spoon… needless to say I gave up and went in to slip in to something More comfortable.

Don’t how it always is that as soon as I get sick, I age 45 years and I end up looking like I just got lost from a nursing home. My face melts in to a sad mess, my hair is a disaster and my clothes are just so sad. But comfort is key while in bed right?

I can not be the only one?

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Rest

After two long days of moving we finally get to sit down and rest a little. We lit a fire and just enjoy a little down time in the mess that is out new home and I have decided that I will never, ever move again. I say like Bruce Willis – I am to old for this ๐Ÿ’ฉ.

Weeks of organizing and months of repainting and work lies a head but for now, I am glad if I make it thru the coming week alive.

Now I am going to grill marshmellows with the kids and Then put us all to bed.

Teach your kids about money

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So how many of you have kids that think money grows on trees, or maybe just magically appears on to that plastic card of yours?

Mine sure did, and that is when I realized that they needed to get a grip on money, budgeting and finances. It really is not as hard as you may think and here are some tips and tricks for you to use when teaching your children about money.

First of all, maybe you need to change the way you think about money?ย Money is not a bad thing. Money is a good thing, and can be used in many wonderful ways.

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So what did I do when I decided to teach my children about finances?

I Gave them an income

First, I made sure they have money to budget with. My kids do have an allowance every week around $4. That is what they get when all homework is done, behaviour is on point and they do chores I ask them to do when needed. That is how they earn their allowance.

In addition to that, they have the possibility to earn some extra cash by doing things that are “extra jobs” not included in their chores. My kids can get really creative in coming up with ways to earn extra money. My daughter sometimes offers a salon visit and do your hair and makeup for $ 1-2 and I am all for supporting creative ideas and I get a funky hairdo at the same time.

Tracking their money

Every time they get money they write it down in their budget book with dates, amounts and what kind of income it was. That way they can keep track on their income and how much they have in their piggy banks. In that book they also track their spending. I want them to know where every dollar ends up and since they started tracking their money, they spend less of it.

Nothing is for free

Well, most things are not anyway. You better choose wisely on how to spend your money. Make sure your children get to see you doing your budget to make them realize that few things in life are free or comes without effort.

Time is money

I also wanted them to understand that time is money. I told my children that just because you have the cash to buy something you always need to consider how much time it took you to earn that $20 they might want to spend. When they realize it took them weeks and weeks, they are less prone to spend their money on things they really donยดt need.

Want vs Need

Let your children make a list of things your family needs to survive and a list of things that are wants. Food is a need, so is housing and utilities. Candy, toys and brand name clothing however is wants. You should rarely spend your money on needs. That money is better of in a savings account . Some day they will wish they had $600 in the bank than 10 Nerfguns, 15 Xbox games and 15 extra lbs of fat on their body from spending money on candy. Just saying…

The power on interest

My kids are now good at saving money and I stepped it up a notch and decided to offer them interest for ever dollar they saved. Every June and December I will give them a 10% interest on the money they have saved at that time. No bank will give you 10% in savings interest but this “Bank of Mom” does, just to teach them how it works. This got them even more fired up and June might be the month I break the bank as they cash in.

Never spend money you do not have

All parents know that children will eventually ask to borrow some money and so have mine and the answer is always “no”. If they do not have the money to buy something, they can not afford it and I tell them to save up or add it to their wish list for Christmas och birthdays.

Some say this is a bit harsh, but getting in to the habit of using money you do not have is like getting on a train going down a cliff – a really bad idea.

I also told them what happens if you borrow money from the bank and how they will charge you interest on that money and that is pretty dumb.

Punchline if you want something save up or let it go.

And since I am not (that) evil, I will sometimes give them a little cash for a special event if they have done well and being wise with thair money, kept up with schoolwork and have a good attitude. They are kids still, but this is a very rare occurrance.

Teach them generosity

Having money gives you the opportunities to help others. Teach your children to become generous givers. This is best taught by leadning by example. You should always give to others.

I hope this gave you some ideas on how to teach your children about money and being responsible with their future savings.

 

Embarrasing Mom Moments

If you have kids you just have to read the title to understand what I am talking about. One day your little angel will start talking and saying the sweetest things that makes your heart grow and overflow. (I rhymed. How cool am I?)

Suddenly that cute little thing will open its mouth and say something that makes you blackout. One of the following thoughts might cross your mind.

  1. Where did you hear that word? And then you realize it was from you… Good job.
  2. How do I get away of this situation?
  3. “That is not my kid.”
  4. If you deny whatever was said, it will make it worse… keep digging or say nothing.
  5. What if someone believes what he/she just said?
  6. All of the above.

I have been there so many times having 4 kids and 2 stepchildren (now adults), I should have gotten an olympic medal for surviving all of this.

So, to make you feel like a better parent I am giving you 5 embarrasing mom moments in this video. Enjoy and remember there is always someone worse than you ๐Ÿ˜‰