Family

The Senior Resume for High School Students

Julie Rains — Thu, 02 Feb 2012 10:48:18 +0000

As a career-services provider, I have developed resumés for high school seniors to accompany their college applications. Much of this work involved organizing innumerable details of a laundry list of activities, highlighting academic and extra-curricular achievements, and demonstrating leadership skills.

Now, as the mom of a high school senior, I have a different take on the high-school resumé. While learning about the college-application process, I discovered that this document was not supposed to remake my nearly adult child into the most stellar applicant ever (though, certainly, there are students who reasonably have such a goal) but to show who he is. More precisely, its purpose is to shed light on how he spent his time, what novel and difficult situations he encountered, and what he valued (evidenced by how he allocated his hours in high school), whether in sync with his parent's desires or not.

So, I'll share with you the specifics of what I learned, hoping to relieve some stress and improve your productivity during your senior year. (See also: Great Ways to Improve Your Resume Today)

Why a High-School Senior Needs a Resumé

The best reason to put together this type of resumé is to capture what’s relevant about your high school career in order to help you develop your applications to colleges, universities, or technical schools. Specifically, you will use this information for the following reasons:

Provide insight to teachers, counselors, supervisors, etc. for letters of recommendation
Discuss your background with guidance counselors and college advisors
Identify topics on which to elaborate in personal statements and essays
Recall information to complete various sections of college applications and scholarship applications

And, unlike most types of resumés, the main purpose of this document isn’t to win a job interview or land a job. However, those who may be pursuing work-study arrangements, a part-time job, or an internship can make adjustments to emphasize work experience, entrepreneurial ventures, and freelance activities.

What to Put on the Resumé

The guidance counselors at your school probably have a form for you to complete or an example to follow. Use that as a guide to make sure you include pertinent information. Depending on your school’s requirements, complete the forms as requested, but feel free to create your own version of your high-school history (or take a look at this example resume I made). Typically, the major categories are:

Name and Contact Information
College and Career Choices (optional)
Academic Record with info on Class Rank, GPA, SAT scores, AP classes, etc.
School Activities
Community Activities
Work Experiences
Honors and Awards
Other Items of Interest (such as personal interests that are not covered in the above categories or a short personal statement indicating obstacles you have overcome, like a learning disability, personal or family setback, or unexpected change in circumstances)

When you are putting everything together, most of the information will emerge naturally. You’ll remember which years you played soccer or volunteered at the humane society, the fall seasons that you ran cross country or played in the marching band, and the dates that you were in the school play or were inducted into the honor society.

But other information may be tougher to bring forth, so take your time to recall as much as possible, whether you immediately consider an activity relevant or not. Ask your parents, friends, and grown-up advisors (like teachers, coaches, youth group leaders, etc.) about things you may be missing.

How to Categorize, Explain, and List the Activities

Some items, like your name and AP courses taken, will be easy to categorize and need no further elaboration. A few are straightforward, like your participation on the soccer or swim team. But many are more complicated, as certain activities could fall under more than one category plus need elaboration for readers to understand.

Place activities in the category that makes the most sense to you. For example, my son tutored elementary school kids during the off-season and worked on a Habitat for Humanity project as a part of an outreach program organized by the head football coach. Likewise, he completed service hours as part of membership requirements for the academic honor society. Rather than placing these items under “football” or “honors,” he classified these activities as community service.

Explain and elaborate on certain activities. Most people have heard of Habitat for Humanity, so listing the item is sufficient. But the two weeks that my son spent repairing homes and getting to know impoverished homeowners in rural areas with a lesser-known group can use some explanation. And special designations or leadership roles, even minor ones, need elaboration; that is, tell us if you were a photographer for the yearbook or the sports editor for the school newspaper.

Figure out and give time frames for each activity. Specify frequency and over what period of time. Be consistent with each activity, using the same types of references for all items (for example, list junior year or Grade 11, summer after junior year or Summer 20XX rather than a mixture of these formats). Many applications will request hours devoted to each activity, which can be useful but is not necessary for this type of resumé.

Add or adjust categories that best reflect your activities and accomplishments, even if this means deviating from a standard format. For example, consider a heading for awards to list accolades associated with music, science, and scouting apart from academic honors; a separate section for these makes sense even if most people you know don’t have such a heading. Create an experience category if you have held a traditional job, run a side business, or earned money by providing manual labor for neighbors. If you'd like, add a personal statement so that you can have that information handy when you fill out applications.

Senior year should be fun. This mom's advice is to go ahead and put together the resumé as early as you can so that you can move quickly but thoroughly through college applications.

What have you learned about writing a high-school resume? What worked best for you?

Written by Julie Rains and published on Wise Bread. Read more articles from Wise Bread.

How to Express Condolences Without Saying Something Stupid

Julie Rains — Mon, 23 Jan 2012 10:48:11 +0000

Until recently, I felt awkward and unprepared when someone I knew experienced the death of a family member. My reactions were typically neither swift nor smooth. Stockpiled sympathy cards were rarely accessible when needed. Visitations and memorial services often conflicted with my schedule. Plus, I was never sure whether my presence would be comforting or annoying.

I just didn't have much firsthand experience with these types of things. Still, I tried to do the best I could, observing other friends’ actions and hoping that whatever steps I took were welcomed and encouraging, not intrusive or depressing. After receiving condolences when my mom died a year or so ago, I became better equipped to handle this task. The types of messages that I received were varied, making me realize that there is not one right way but many ways to express sympathy. (See also: 25 Ways to Communicate Better Today)

Here are ways of expressing condolences that have worked for me.

Post a Message on Facebook

Use Facebook only if the news has been shared publicly, preferably on your friend's wall. Realize that your job is to express sympathy, not announce the death or discuss details surrounding the death or the family’s reaction to the world.

Note that some FB announcements are straightforward, like “My grandmother died yesterday.” But others are subtle, such as “I will always remember my dad from this picture.” Confirm the death by reading other wall posts or checking your local newspaper. Then offer a kind response in the same tone as your friend's announcement.

Send a Card

Buy and send a card, or write a note that expresses your sympathy. Say that you are sorry to hear about the death and, if you know you can follow through, add offers of help or support. And, while it is usually fine to share your experiences that may be similar to the one your friend is dealing with, don’t assume that you know exactly how she feels or what she is thinking right now.

The great thing about sending a card is that the recipient can reread these and feel your sympathy again at a later time. Sure, she can pull up your email from her archive, but the physical aspect of a card or note (and the extra effort you took to sign your name, address an envelope, and buy a stamp) is comforting.

Send an Email

The advantage of email is that you can respond quickly and reach those who may be traveling to be with their families and/or arranging for services. So, if you correspond with a friend or acquaintance via email on a regular basis, then this method is fine. Just say that you are sorry to hear about the death and wanted to make sure that you were able to get in touch sooner, rather than later.

Leave a Message on Legacy.com or an Online Guestbook

Express sympathy and share a memory of a positive experience with the deceased. Don’t reference the circumstances of the death; that is, avoid saying that you were “shocked” and instead state that you were “saddened” by the news.

Call

Most people do not call because they are concerned that the family is usually overwhelmed immediately following the death. Close friends may call to express sympathy and offer assistance with arrangements, meals, etc.

Visit Your Friend at Home

Paying a visit is a kind, memorable way of expressing condolences but should be reserved for those with whom you are close and have known for a while. The days immediately following a death can be busy and difficult, so pick your time carefully, calling ahead or scheduling a time via email.

If you feel conflicted about a visit, stay away or bring food as an excuse for a short visit. Tell your friend (or her family member who answers the door) that you are sorry about the death and can't stay long but you wanted to bring something that could be helpful in the next few days. Grieving families are not picky, but many may be inundated with food in a short period of time. To be extra helpful, consider these food-giving tactics: 1) bring a frozen entree with reheating instructions that can be used immediately or later in the week, 2) give a gift card to a favorite restaurant or deli that will make choosing the next meal easy, or 3) give non-perishable items that can be stored easily, such as a basket of fresh fruit or healthy snacks.

Go to the Visitation or Funeral

If you want to express your condolences (and don’t know the deceased very well), then attend the visitation or wake. These are typically dress-up affairs and black is still appropriate. Most will have receiving lines that allow you to talk with your friend and meet the family. Introduce yourself, explain how you knew the deceased, and express your sympathy. Depending on the length of the line, share a story about the deceased that the family members may have never heard.

If you knew the deceased or are particularly close to the friend, attend the funeral in addition to the visitation (though sometimes these are combined). Your goal is to be present and show your support as there will be little time to speak with your friend during the funeral; remember to sign the guest register for a remembrance later.

Say Something When You See the Person

This technique can be problematic because you may not be able to predict how soon you will see the person and whether you will be able to speak privately to her when you do. Still, face-to-face contact is a great way to express sympathy to someone, whether she is a long-time friend or a recent acquaintance. Most people will appreciate your acknowledgement, especially if the death is fairly recent (less than a month or so ago). If more time has passed, then consider saying something like, “Hey, I should have said something before but I wanted you to know that I was sorry to hear about your grandmother.”

What will probably happen next is usually one of two things:

She thanks you and then moves to another topic. She may not be ready to talk about the death, doesn’t feel like sharing her thoughts or feelings with you, or is focused on another subject.
She shares details about the situation, the cause of death, or some circumstances leading up to the death. This talk may last about 5 or 10 minutes but is therapeutic and can help her reframe the past and the inevitable in a more positive light. Now I find myself seeking out those who have recently lost a loved one and have had bonding conversations that I never thought possible before.

You may have heard this warning before but I will mention that it is a good idea NOT to say “it was for the best,” “I’m glad your grandmother is no longer suffering,” or something like that. Your friend might say those things, but you should not.

Send Flowers

Flowers are a great way to express condolences and are appropriate for those with whom you have a longstanding relationship. Consider sending flowers in a vase rather than a traditional stand so that they will be appropriate for any type of service.

Make a Gift in the Person’s Name

Make a donation to a charity designated by the family, rather than send flowers. The charity should let your friend (or her family) know that a gift has been made by you in the deceased’s name. Because there can be several weeks between the death and the notification of the gift, you may also want to express sympathy in other ways to show support of your friend in the meantime.

You don't have to do all of these things to express condolences. Most people choose one.

What ways have you found appropriate to express condolences? Share them in the comments.

Written by Julie Rains and published on Wise Bread. Read more articles from Wise Bread.

How to Give Thoughtful Gifts on a Scrooge-Like Budget

Julie Rains — Mon, 12 Dec 2011 10:48:18 +0000

You don’t want to spend too much money on Christmas presents. But you don’t want to act Scrooge-like or look cheap. If you have more than a few people on your gift list (and some of those are far-flung relatives), then showing generosity and staying within your budget can be hard.

In Christmases past, I have given presents to my husband and our two children plus seven sets of siblings and in-laws along with nine nieces and nephews (a grand total of 26 people). The skills and patience required to pull off this feat often exceeded my capacity. Because we lived in different cities than all of our relatives, we weren't attuned to their day-to-day lives. Plus, the obvious approach of asking for a wish list didn't always give me the information that I needed, either because the intended recipient couldn't think of anything or because suggestions were difficult to find or out of my price range. Plus just asking for a recommendation seemed business-like and not in keeping with the holiday spirit. (See also: Buying Gifts for a Family With Many Children)

Discover Interesting Stuff About Your Family Members

Finally, I learned that a few strategic conversations and a dash of creative thinking can help transform the holiday season from financially stretched and stressful to modest and merry. This approach has also helped me to learn even more about family members than the usual facts surrounding college majors and professional titles.

Probing for certain information will allow you to find or make something that is within your price range. Start a conversation that gives you insight into new-found and long-time interests, recently discovered and ongoing needs, career goals, and personal plans of your family members. If you won’t be talking with these folks soon, send an email or Facebook message asking a few questions about what is going on in their lives. You can make general chit-chat with family members or let them know that you are asking questions to help with your holiday shopping.

Use Your Bargain-Hunting Skills to Find a Great Gift

Responses to your questions will point the way to the right selection with moderate effort at minimal cost. Choose items among your favorite gift genres (that is, a book if you enjoy giving books, clothing and accessories if you like fashion, food if you are a great cook) as you will know how to snag bargains in categories that you shop for regularly.

Personalize Your Gift-Giving Approach Based on Ages and Life Stages

Exploring interests and selecting gifts for children, teens, and adults of all ages can be challenging. Adapt your conversation starters to the age, life stage, and temperament of the gift recipient. Consider these approaches:

Children

Watching children open presents is a blast, but the work involved in finding the right gift can be overwhelming. Instead of researching what’s trendy and what’s taboo, have a conversation with parents about their children.

To learn more about the children on your gift lists, ask questions like these:

Does she play with ________ (fill in the blank with possibilities, such as Legos, Barbie, Star Wars, Hello Kitty, etc.)?
What books does he like to read or look at?
Does she like art?
What activities is he involved in?

Depending on the responses, gift possibilities may be a book in a favorite series like Biscuit’s Day at the Farm or Diary of a Wimpy Kid 6: Cabin Fever; small toys like a Hello Kitty Windup Toy or a Star Wars action figure; or accessories for themed toys, artwork, sports, etc., such as a LEGO Building Plate, gown for Barbie, washable markers, easel pad, or compass for a scout. When buying gifts, consider safety issues, abide by age guidelines printed on packaging, and avoid trinkets in favor of sturdier items.

Teens and Tweens

Finding gifts for teenagers and tweens is especially treacherous. Similar to the challenge with children, keeping up with teen trends is difficult. Plus, many in this age group tend to be unrealistic in their expectations and uncommunicative about their interests. They are not necessarily spoiled or dejected; they may not be able to judge what is an appropriate request and tend to be fuzzy on what adults in their lives may already know about them.

To find a gift that doesn’t involve expensive computer games, ask these types of questions:

What book or book series are you reading?
What are your favorite college teams or professional teams?
What activities are you involved in at school, volunteer agency, etc.?
Are you playing any sports?
Do you have any major projects or big trips scheduled for next year?
Hey, I noticed that you like ____ (fill in the blank with a favorite television show, movie, store, etc.) on your Facebook page; can you tell me about that?

Books are among my favorite gift genres, so I like to buy the next book in a series (for example, Inheritance, the latest and last book in the Inheritance Cycle was published in time for holiday gift giving). Or, you might pick up a biography about a favorite historical or sports figure, a compilation of stories about accomplished teens, a book relating to career goals, or a guide to navigating middle-school issues.

For teens who have enough to read already, pick up gear or supplies for a hobby, athletic endeavor, scout project, volunteer activity, etc. or something that they will need as they mature. A wallet to hold a driver's license and charge card, an extra-durable key chain to keep up with house keys, or a multi-use tool to perform minor repairs may be valued both today and years from now. Apparel of favorite sports teams, like t-shirts or gym shorts, may be suitable for some and especially appreciated by parents of growing teens and ‘tweens.

Adults

Finding the right gift for a sibling, in-law, niece, nephew, etc. starts with considering the life stage of the recipient. Those who are in college and getting established in a new job will often have different needs from those who are settled in their homes. Either way, learning about their lifestyles, interests, and plans for the upcoming year — whether applying for graduate school, getting ready to start a new job, preparing for a family addition, or training for a marathon — can help influence your gift selection.

Ask these types of questions to kick off a chat:

What are your plans for next year?
What are you reading? Who are your favorite authors? What topics interest you?
What are your hobbies?
What types of fitness activities do you participate in? What events are you getting ready for?
Are you planning a trip next year? Where are you going? When? What will you do there?
Are you going to learn anything new next year?
I saw on Facebook that you are ______ (fill in the blank with interests); can you tell me more about that?

Adults who are on the move could use some practical travel gear, suitable for adventure travel, treks to and from college and their hometowns, work-related trips, or moves for a new job. Traditional moving or travel items, like storage bins and duffel bags, may also be appreciated. Mostly, you want to avoid items that are difficult to lug from place to place. And, as much as I would like to suggest items that can be had for a bargain, gift cards and cash are especially well-suited for those who are in transitional stages. To control your spending, pair a $5 or $10 gift card (or cash) with an inexpensive but highly practical item acquired at your local thrift shop.

Those who are more settled may enjoy something that suits their reading preferences. The latest book for a favorite author is a great choice though somewhat expensive; alternatively, find a title published earlier in the author’s career, after you've checked to make sure that the recipient has not read the selection. Books from your local used bookstore, paperbackswap.com, thrift shop, half.com, etc. show thoughtfulness and protect your pocketbook.

Inexpensive accessories, consumables, or supplies for hobbies, fitness activities, and upcoming trips are great selections. These gifts can show others that you are thinking about them and have a genuine interest in their lives.

Written by Julie Rains and published on Wise Bread. Read more articles from Wise Bread.

Creating a Memorable Christmas

Tara Struyk — Mon, 28 Nov 2011 11:24:47 +0000

A Christmas memory that usually makes the rounds each year at my house is the story about the time we all watched as the entire, glistening Jell-O mold slid off its platter and settled, intact and jiggling, onto a horrified guest’s lap. If you think about the moments that stand out for you around the holidays, chances are they don’t revolve around an expensive gift or how perfect the dinner table looked. Instead, what we often remember are the unexpected moments that just, well, happen — perhaps in spite of our efforts to make everything go according to plan. Unfortunately, when it comes to planning for the holidays, we often focus on the gifts, the dinners, and all the other grand gestures we feel are expected of us. This is probably because they are just so much easier to produce on demand. So how can you let go of the commercial side of Christmas in favor of creating something of real value? Here are a few ideas. (See also: How to Save Money on Christmas This Year)

Focus on Fun

Rather than focusing on giving the perfect gift and making sure your house looks just so before guests arrive, lighten up and focus on making the day fun. If you are hosting a holiday party or meal, this applies to both you and your guests. Bring out some old family photos, give some gifts with a sense of humor, or set up a game. Rather than thinking of the holidays as some of kind of precious moment, consider it a party; whether you’re throwing it or attending it, do your best to make sure it adheres to the #1 tenet of any good party — it’s fun.

Toast to Traditions

Traditions help make the holidays memorable and give everyone something to look forward to every year. Whether it's making gingerbread cookies or engaging in some winter sports before dinner, this is a great way to put the focus on people rather than presents. If you don’t have a tradition yet, start one.

Forget Perfect

Martha Stewart may lay a beautiful table, but rumor has it she sleeps only a few hours each night! Perfection comes at a cost, both to you and your wallet. Focus on the things that are really important, recruit your family members for help, and accept that life is not a magazine; in many ways, it's better.

Give Great Gifts

An amazing gift isn't one that costs a fortune, but one that makes you truly excited about bringing it to the recipient on the big day. Don't trudge to the store and buy things because you feel you have to. Instead, find or make gifts that have meaning for you and those who receive them. Most importantly, forget about cost and worry about choosing small gifts your family and friends will truly use and enjoy. This is definitely more work than buying big, flashy presents, but you’re likely to feel better about thoughtful gifts you can really afford. Chances are, those who receive them will too.

Be Realistic

Problems and conflict with family often weigh on us during the holidays because we think it's a time when those issues should just disappear and be replaced by love and goodwill (like on TV!). It's not gonna happen, and you're likely to enjoy your holidays a lot more if you adjust your expectations accordingly.

A lot of emotions are wrapped up in the holidays. Maybe that’s why we so often strive to make things just perfect, no matter the cost to ourselves or our budgets. As for me, I’ll be hoping for a little disaster. After all, if no one drops the Jell-O, what will we have to laugh about next year?

Written by Tara Struyk and published on Wise Bread. Read more articles from Wise Bread.

25 Ways to Entertain Your Child for Free or Cheap

Jason Topp — Tue, 25 Oct 2011 10:00:22 +0000

Parenting is hard work. Keeping little ones (with little attention spans) occupied is often half the battle. It doesn't take long before children run to their parents looking for things to do.

If you aren't careful, keeping kids busy can put a major dent in the pocket book. Having a go-to list of frugal ideas to keep your kids entertained is key. Otherwise, you'll be unprepared for those two little words — "I'm bored."

Check out this list of 25 ways to entertain your child for free. (See also: Entertain Your Kids Without Breaking the Bank, via Parenting Squad)

1. Play Make-Believe Games

Kids love sailing seas, conquering kingdoms, and rescuing princesses from the dragon's lair. Have fun with your kids in an imaginary world!

2. Go to the Library

Libraries are chock full of wonder for kids. Books, activities, and story times are all part of your local library's calendar.

3. Play With Animals

My kids love heading to the local pet store and playing with the puppies.

4. Go to a Local Park

The park is a great place to let kids run around and rid themselves of pent up energy.

5. Make Sidewalk Art

Grab the chalk and allow your imagination to run wild. The other day my four-year-old daughter said, "Draw me and you together, Daddy." I was glad to try!

6. Make Kites and Fly Them

Take a look around your house to see what materials you have available to make a kite. Then go outside, and let your kids fly them!

7. Head to the Beach

If you can put up with getting sand in your car, head to the beach. Kids love playing in the sand and water!

8. Put a Puzzle Together

Puzzles are a great way to keep kids occupied. Sit down with them, and do it together.

9. Find a Spot to Watch the Sunset

We have a lake by our house that offers some great views of the sunset. Find a place in your area to take your kids to watch the magic of a sunset.

10. Have a Bonfire or Campfire in Your Backyard

There's something about sitting by the fire that kids love, and you can make s'mores.

11. Play Soccer or Some Other Sport Together

Head to the park, or play in your own backyard. You can kick the soccer ball around, or grab another ball and play some catch.

12. Make a Picnic Lunch

Throw a picnic lunch together, grab a blanket to sit on, and head off to a park for a little picnic lunch.

13. Go Fishing

There's something about fishing that kids love. Grab poles, find a pond, and cast those lines! If you don't have fishing poles, learn to make your own kid's fishing rod.

14. Plant a Garden

You can make a garden box or even an herb garden if you don't have much room. Your kids will really enjoy watching the veggies sprout up, knowing they played a part in making the food.

15. Play Board Games

Kids love to play old favorites like Chutes and Ladders and Candy Land. Check out this list of classic kids' board games to play, or you could even make up your own games to teach your kids about things like personal finance.

16. Rent a Movie From the Library

Libraries have a host of free movies that your kids will love. Take a trip and let your children pick out a great movie. Here's a list of the 50 best movies for kids!

17. Go Hiking

Put on those hiking boots, and find a trail at a local forest preserve! Your kids will love going on a nature walk.

18. Go Swimming

Got a friend with a pool? Head on over to their house and have a swimming party. Or take a journey to your local community center for a dip.

19. Have a Dance Party

My kids love it when we crank up the music and have a little dance party. Need to fill a kid-friendly playlist for a dance party? Check out this list of top kids dance songs.

20. Volunteer at a Non-Profit Organization

You get to impact others' lives and teach your kids some valuable lessons at the same time. You will need to check with your local organization to see if they have any rules about bringing your kids, or check out this site for volunteer opportunities near you.

21. Draw and Color Pictures

What kid doesn't love to draw and color? All kids are budding artists, so grab crayons, markers, and paper and let them doodle until their hearts are content! If you're looking to teach your kids how to draw, check out this great site to help learn how to draw step-by-step.

22. Make Finger Paint

I don't know why, but my kids love to finger paint — I guess because it's one of the few times we encourage them to get their hands dirty! You can try your hand at some homemade finger paint, and let your kids get a little messy.

23. Play with Play-doh

Play-doh is always a favorite among children. The smell of a freshly opened container of Play-doh is nostalgic for many of us. Sit down with your kids, crack open a thing of Play-doh, and have some fun! Here's a site for some creative Play-doh ideas, or a video about making things with Play-doh.

If you're thinking about making your own, try this recipe for making Play-doh.

24. Ride Bikes

Hop on those bikes, and take a ride around your neighborhood. Don't forget the importance of bike safety!

25. Go "Exploring" on a Night Walk

Occasionally we'll take our kids on a night walk. We let them have some flashlights and pretend we are "exploring." Any time kids use their imaginations, they're content.

What other frugal ideas do you have to entertain children?

Written by Jason Topp and published on Wise Bread. Read more articles from Wise Bread.

5 Unexpected Uses for Oats

Chris Birk — Thu, 20 Oct 2011 09:48:10 +0000

After months of waiting, oatmeal season has finally arrived. It’s a fall and winter breakfast staple at our house, and the sight of pumpkins on porches heralds the coming of maple-and-brown-sugar madness. But there are also scores of amazing and unexpected uses for this cereal grain. Here’s a look at a few. (See also: 21 Uses for Salt)

Cuisine Beyond Breakfast

Oats can serve as an interesting foundation for a host of foods.

A couple of years ago, longtime New York Times food writer Mark Bittman put foodies on a high alert when he suggested using oats in an Asian-style porridge dish known as congee. Cooked oats, scallions, and soy sauce may not sound like an ideal combination, but the reviews are mostly favorable, if not glowing.

Oats can also work as a flour substitute, a thickening agent, and even as a healthier version of Shake ‘N Bake.

Skin Care

I spent one of my grade school spring breaks immersed in an oatmeal bath, courtesy of the chicken pox. A couple decades later, oatmeal has become increasingly visible in skin care products.

Bath and body aisles are lined with creams and cleansers that capitalize on the soothing power of oats. Consumers can skip the beauty section and head to the baking section to make their own oatmeal-based skin treatments. You can also stuff an old sock or pantyhose with ground oatmeal and toss it into a hot bath for a full-body experience.

Many acne and poison ivy sufferers tout the healing power of oats. Pulverized oats can serve as a key ingredient in facial masks and treatments to relieve dry skin.

Pet Care

The same oatmeal treatments that can help people with problematic skin often work wonders for dogs. Applying a simple oatmeal-and-water mixture to your pet’s itchy parts can bring quick relief. Some pets can have an oat allergy, though. The problem is that it typically manifests as a skin condition, which can be masked by the other issues plaguing your pooch, so use some caution and common sense.

Odor Eater

Much like baking soda, oatmeal is pretty effective when it comes to neutralizing odors. Put a bowl of uncooked oats in your refrigerator, and forget about smells. Some consumers swear by oatmeal’s ability to counteract cigarette smoke, too. Smokers may want to try lining their ashtrays with oats.

Arts and Crafts

Let’s go beyond the kitchen and the bathroom and into the playroom. Oatmeal, combined with flour and water, can be used to create a nontoxic modeling clay. Children can enhance the concoction with food coloring. It’s best to let their sculptures air dry overnight before making a place on the shelf.

Have more unexpected uses for oats? Please share your additions below.

Written by Chris Birk and published on Wise Bread. Read more articles from Wise Bread.

Five Tips for a Smooth Nanny Share

Carlos Portocarrero — Fri, 14 Oct 2011 10:36:20 +0000

A nanny share is a great way to cut down on your child-care costs by sharing a nanny with another family. In a nanny share, a nanny watches two (or more) kids from different families at once, therefore allowing the families to split the cost. (See also: Nanny Sharing: Lowering the Cost of Personal Childcare)

Like any other arrangement, there are pluses and minuses. But if you know what you’re doing and you prepare a little bit, you can improve the odds of having a great experience with a nanny share.

I’ve been in two different nanny shares, and here are some things I wish I would’ve known about beforehand.

1. Find the Family First

You may be tempted to find the nanny first, with her being the one who will actually be doing the work . But my suggestion is to find the family you want to share nannies with first — it will make interviewing nannies easier, and the entire process will become less stressful.

We’ve done it both ways (not by choice!), and interviewing families when we had a nanny was tougher. The new families felt like they were “breaking into” an existing arrangement, so they didn’t feel like equals in the process. You want to make sure everyone is on the same page.

2. Create a United Front

You and the other family are essentially one family, so make sure you find one that you jive with. It doesn’t mean you have to be exactly the same or have the same parenting styles, but if one family wants their kids outside as much as possible and the other is worried about dirt and allergies, then it may be a problem.

If a nanny is getting two different directives from each family, she’s going to feel like she can’t please either of her bosses, and that's a recipe for disaster.

3. Monthly Check-Ins

Meet with the other family at least once a month to talk about how things are going. If they have nagging concerns, you should know about them before they become critical problems.

Do the same, although less formally, with the nanny. Are things going as she expected? Is she still OK with doing laundry and light cleaning? It’s great to start out on the same page, but it takes some work to maintain that. Trust me — it’s worth it.

4. Write Up a “Contract”

It doesn’t have to be as formal as it sounds, but you should write down your expectations for the nanny and for the families, so nothing surprises anyone. It’s good to be as detailed as you can get about this stuff. For example, "the nanny will do the children’s laundry (not the grownups') once a week at whichever house she is at, and will fold it and put it in its place" is better than "the nanny will do some light chores."

5. Always Have a Backup Plan

Nannies get sick, get jobs, and move on. It happens. One thing we did not do well was a have a backup when our nanny left us, and that was very stressful. We were lucky my parents were in town to take care of our daughter for a week while we scrambled to find a new nanny (and a new family!).

Our day-care applications were still sitting in a drawer. We had gotten so comfortable with our nanny arrangement that we figured we didn’t need to apply to day cares anymore. Big mistake. Always have several balls rolling in case you need (or want) to make a change.

If you’ve been a part of a nanny share, please leave your favorite tips in the comments!

Written by Carlos Portocarrero and published on Wise Bread. Read more articles from Wise Bread.

Should You Lend to Friends and Family?

Maggie Wells — Thu, 13 Oct 2011 10:36:30 +0000

It's happened to all of us at one point or another. Something has happened to someone we love, and money is needed. Our money. If perfect strangers asked us for money, we'd more than likely not give it, end of story. But when a friend or family member asks to borrow, we don't usually say "no" right away. We think about it first. Some of us are more apt to help out friends than family or family than friends. (See also: The Different Types of Loans: A Primer)

I've been thinking about this a lot lately, as a good friend of mine just inherited money from the sale of her grandfather's house. We've watched as all sorts of friends and family of hers have come out of the woodwork to ask her for loans. To be fair, she was often insolvent in her youth, and most people feel justified, I suppose, in asking her for money. It has, however, reconfirmed my beliefs and suspicions about lending to and borrowing from those you know.

The Complicated Route: Agreeing to Loan Money

Lend it. Go ahead. Don't expect to see it again, though. Or do what some people I spoke to about this do, and treat it like a bank loan — sign a contract, charge interest, and set up a timeline for repayment that both parties can be comfortable with. This is crucial to getting the money back. If you don't set guidelines for repayment in writing, you have no one to fault but yourself if it doesn't come back to you in that timely manner you expected when you said yes over beers. Don't expect the party to pay up faster than you set up a plan for.

Your Expectations and Values

Is your potential borrower a good bet? Do they have the capability to pay you back? You don't have to do a credit check on the person, but what do you know about them? Do they have marketable skills? Are they willing to do trades? Do they continually have trouble? Do your homework with other friends and relatives, and find out.

If someone asks you for money, do you get to judge where the money is going? Can you lend it, no questions asked? This is where resentment comes to fester. If you can't give it or lend it freely without the judgment, it's probably best not to lend it at all. None of us spend money the same, and we don't value the same things. For example, I spend $400 a month on tuition so that my kids can attend a great school. I gladly remain in a single-car family so I can do this. Someone else might find that idiotic.

I lend money for groceries, school related expenses, and women's reproductive health concerns. I usually won't lend or give for anything else. The key in all this is communication. As long as both parties are clear about their values and expectations, things can go smoothly.

From the Borrower's Perspective

Hopefully no one out there wants to borrow money from friends or family, but it can happen. Unexpected car repairs, house repairs, or trips to the emergency room with the kids can strain and break the pocket book. Sudden, unplanned unemployment can take an almost permanent toll on individuals as well. There was a month back in 2008 when my husband was laid off, and I had a bare minimum of work the same week that our car needed repairs and tuition was due.

Three times in my life I've borrowed from friends and paid back. They are all three people whom I would lend to in a heartbeat. One of the prime reasons I borrowed from them is that they knew my situation and offered (I hadn't asked). I don't see anything wrong with things going back and forth between friends as long as it is a true back and forth and doesn't become lopsided in favor of one person.

My mother is one of the most generous people I know. She has given both to my brother and I when we've asked for it and many times when we haven't. She says that basically, she expects both of us to keep up the family bargain of helping her out with whatever she needs whenever she needs it — and she instructs us to help people in our community when we can. We are fine with this arrangement. The other night she made too much meatloaf and brought some over for us. Last month I made an extra tray of enchiladas for her. We treat our money between the three of us the same way we treat our food.

But if any of the above makes you uncomfortable, take...

The Easy Route: Saying No

Just don't do it. Loaning money affects your relationship with the other person and creates inequality between you. You go from being friends or family members with a shared past to a serf and a lord. You'll find that you can't help yourself eyeing the borrower's purchases without suspicion. If you establish early on in your relationship with other people that you don't lend money to family and friends, people will quit asking you pretty darn quickly (and move on to those who say yes). It's when you've said yes that the asking really starts.

How about you? What are your rules and expectations of lending money to friends or family?

Written by Maggie Wells and published on Wise Bread. Read more articles from Wise Bread.

Too Broke to Buy Diapers?

Carrie Kirby — Mon, 10 Oct 2011 09:48:11 +0000

A recent Wall Street Journal report suggested that tough times have brought parents to a new low — leaving tots in dirty diapers to save money.

Well, maybe. The report noted a drop in diaper sales and an increase in use of diaper rash cream. It even quoted a doctor who was seeing more diaper rash cases. But the article also acknowledged that most of the drop in sales is due to a lower birthrate over the past couple years.

Still, the piece got me thinking that a lot of parents are paying more than necessary to keep baby booties dry. Here are some hints for reducing diaper expenses. (See also: 5 Places to Get Cheaper Diapers)

Cloth Diapers

Estimates for savings over the three years most kids are in diapers are usually in the $1,000-$2,000 range. And there are certainly compelling environmental reasons to use cloth. However, these estimates assume you are spending 17-28 cents per diaper and changing them an average of eight times a day. Bargain shoppers will not save this much. Nor will lazy moms like me who change only five or six times a day and try to potty train at age two. I estimate that disposable diapers cost me only $5 a week, for about 130 weeks per child (two-and-a-half years). Even assuming that I spent more than $5 during those newborn months (a vague memory at this point), the total per-child cost of disposables was under $1,000 — capping my possible savings somewhere south of that.

If you decide to use cloth, consider shopping secondhand or asking for hand-me-downs. Freecycle groups are great for this. Don't be grossed out by the thought of used diapers — after all, diaper service clients use diapers previously worn by other children every day.

Join Amazon Mom

Members of the free Amazon Mom service get 30% off diapers and wipes when they order through the Subscribe & Save option. Add this to free shipping, frequent unannounced sales, and coupons you can load on the site, and Amazon has been my diaper store of choice for a year now. Tip — because prices fluctuate on Amazon, stock up when you see a great price.

Combine Coupons and Promotions

Target, Babies 'R' Us, and drugstores such as Walgreens and CVS all issue store coupons for diapers and take manufacturer's coupons as well. You can pair one of each for every pack of diapers you buy. Target sometimes offers a $5 or $10 gift card for buying packs of diapers — if you come in with a manufacturer's coupon, a Target coupon, and get the gift card, you've often brought the price down to an acceptable level.

Do the Math

Some diaper sales sound like a good deal, but turn out not to be. You need to know your target price per diaper in your child's size in order to accurately price compare. Baby Cheapskate has a GREAT resource for figuring out how many diapers are in a mega or jumbo pack and what makes a good price for each size — the diaper stock-up price chart.

Try Store Brands

Store brands' quality have improved in recent years. While a newborn with a lot of "blowouts"* may need the highest-end diaper you can buy, older tots may be just fine in any old brand. I used Costco's Kirkland even on newborns with no problem, and now that my youngest is a toddler, I find Luvs, Walgreens, CVS, and Target diapers all just fine.

Keep Your Eyes Open

I have purchased opened packs of diapers at garage sales and found boxes with discontinued packaging on deep clearance discount at grocery and drugstores.

Accept Help

Times may be tough, but babies shouldn't be the ones to suffer. If you can't afford enough diapers to keep your baby dry and comfortable, apply to a program such as Huggies Every Little Bottom or apply for other assistance.

* If you're not a parent and don't know what a blowout is, don't ask.

Written by Carrie Kirby and published on Wise Bread. Read more articles from Wise Bread.

The Best Money Tools and Toys for Every Age Group

Linsey Knerl — Thu, 29 Sep 2011 10:24:19 +0000

It was almost four years ago that I initially researched the world of financial teaching tools for kids. At the time, I thought that many of the top-notch products on the market aimed at introducing children to money would be a great holiday gift. Now I realize that it’s never too early to pick up a reputable toy, tool, or application that can instill important money values into your child’s education. Here are some of the top picks I’ve identified, broken down by age group. (See also: This Season, Give Your Child the Gift of Fiscal Responsibility

Birth to Age 3

While they really can’t absorb many financial principles at this age, there are things they can learn about money. For starters, money doesn’t go in the mouth. They can also start to grasp a basic familiarity with cash by playing with toy piggy banks, complete with play money appropriate for their age group. (Look for toys that won’t become a choking hazard; they should be clearly marked for kids under 3.) The Fisher-Price Laugh n’ Learn Bank has been around for years, and it is one of the only banks on the market that’s approved for children as young as 6 months.

Ages 3–5

Preschool is an exciting time for kids! We like to get things rolling with a hands-on lesson in coinage and the appropriate names and values for each. In addition, we have found that DVDs are a major boost to the “wow” factor when teaching money. Our favorite is currently Munchkin Math: Counting Money, which has the kids singing the values of money and playing little games between activities. This is also the perfect age to teach basic business foundations by encouraging your little one to play “store.” There are dozens of amazing products on the market, but our favorites for durability and “kid appeal” come from Melissa and Doug. They offer some of the most innovative food and grocery sets around, and their play money seems to last forever!

Ages 6–8

For those who have grasped the basics and are now on to spending money and basic change-making skills, I find that the Rock N’ Learn: Money & Making Change DVD is great for kids with a short attention span. (Parents be warned, however; the songs are loud and you may not be able to tolerate it for very long.) My wiggly boys seem to absorb quite a bit via the Rock N’ Learn DVDs, and the recommended age for this DVD is spot on. You will also want to include them in basic shopping tasks at this age, which can include having them clip coupons, count out money at the register when checking out, or picking out the lowest price product at the store. (We always have the kids pick the cheapest “pink” milk from the grocer’s fridge.)

Ages 8–12

From age 8 on, I highly suggest that adults employ some kind of allowance system. The benefits for making kids work for their allowance are many, but even if you just hand them a couple of bucks a week for nothing, there can be a lesson made of the experience. There are many resources available to help kids track their earning, spending, and saving, and many of those I mentioned in my previous article are still around and awesome (including the Moon Jar and Money Savvy Pig.) Whatever you choose, however, try to avoid any banks or products that count the money for the kids. While it is neat to hear a robotic bank count out pennies, it defeats the purpose of having kids manage their own cash.

The Teen Years

Learning shouldn’t stop now, especially since kids will be exercising new freedoms with their money. For a fun way to reinforce basic economic facts in a way that football fans will enjoy, I think the Financial Football Game from Visa will help to engage bored students and break the monotony of textbooks. When you’re ready for a real-life application of using a budget, nothing compares to the concept behind Bill My Parents and their prepaid card for teens. Unlike other cards, which parents tend to load and forget, the BMP card provides updates to parents on every purchase made via text notifications and provides the control parents need to help get kids talking about where their money went.

College and Beyond

Parents, I’m pleading with you — PLEASE don’t forget about your college-aged kid just because they no longer live with you. They are going to make some of their most harmful mistakes while in their late teens/early twenties, and even with the new age limit for consumer debt accounts, there will be a need for preparation and practice. If you send care packages, now would be a great time to include a few choice issues of some of the better financial magazines on the market. If you find the hardcore economics reads to be too dry, an Inc. or Fast Company subscription will at least get their entrepreneurial juices flowing.

Are you incorporating an understanding of financial skills into your child’s daily life? Even with the classes offered in today’s schools, there are never enough “official” lessons being given to our youth. Take the lead as a parent, uncle, or friend, and see what the child in your life knows about money. The answer may surprise you, and the outcome to teaching them what they should know can only make our world a better place.

Written by Linsey Knerl and published on Wise Bread. Read more articles from Wise Bread.

5 Ways Newlyweds Screw Up Money Management

Chris Birk — Fri, 16 Sep 2011 10:24:21 +0000

My fiance and I are in the waning days of what seems like the longest engagement in relationship history.

Considering that we're paying for our own wedding, my fiance and I have talked a lot about finances the last two years. In fact, looking back on the process, that constant communication is actually one of the best things to come from footing the bill ourselves. We've had no choice but to make tough choices and talk honestly about where we were, where we are, and where we're heading financially.

Turns out not every couple is so lucky. Academics might always debate whether money is really the leading driver of divorces, but there's no doubt it plays a part, if not a starring role, in many separations and splits each year.

I'm still pulling for the fairytale ending, but to be sure, I started poking around into some of the common mistakes newlyweds make when it comes to money. Here's a look at five of the big ones. (See also: How to Be Happy and Married: 24 Tips From a 24-Year-Old Marriage)

1. Not Talking Money With Your Spouse

Avoiding the topic altogether is a sure fire way to fail in post-nuptial finances. Discuss your financial goals, burdens, and budget ideas well before you head down the aisle, or if not, as soon as possible post-honeymoon. If you’re coming into the marriage with a lot of debt, whether from student loans or credit cards, you at least need to be upfront about it with your partner. This applies before and during the marriage as new issues emerge.

2. Giving One Person All the Power

When you have to decide who will physically pay the bills, file the taxes, watch your investments and accounts, and make sure you stay on budget, it’s wise to not put all these eggs in one partner’s basket. While one person can take primary responsibility for such tasks, the other spouse should always maintain involvement and awareness when it comes to money matters. In case something happens to you or your spouse, you should both be aware of your account information, passwords, bill due dates, and any other necessary financial information.

3. Not Creating a Budget or Joint Financial Plan

It’s not easy to merge two incomes, spending habits, and saving habits into one household, so it’s essential to draft a basic budget plan early in your marriage — or even before if possible. Start with a basic budget worksheet, in which you detail your income; essential expenses such as rent or a house payment, food, and insurance; and flexible expenses. Track your spending as a couple for several months and revisit the budget, tweaking if necessary to make sure it works in practice

4. Fighting Over Small Money Matters

Picking your battles can be one of the toughest things to do in any relationship, but when it comes to money in a new marriage, it is critical to keep you both sane and from going broke. There will be plenty of ironing out to do as you merge your pocketbooks, but arguing with your spouse because they spent 50 cents extra on a box of brand-name popsicles won’t make the process easy for either of you.

5. Not Preparing for Emergencies

There’s no way you can mentally, physically, and fiscally prepare for every possible scenario to confront you as a married couple, but saving some dollars for a rainy day is always helpful. This may be hard to do as you’re paying off a wedding or any other pre-marriage debt you may have; but starting small and then building up as you can, making sure saving is a routine part of your marriage will be incredibly helpful in the long term.

This list is by no means exhaustive, so please feel free to share your advice and experience below.

Written by Chris Birk and published on Wise Bread. Read more articles from Wise Bread.

7 Things to Consider Before Becoming a Stay-at-Home Parent

Chris Birk — Thu, 08 Sep 2011 09:48:23 +0000

A couple friends have recently cast off the shackles of the working world to embrace the role of stay-at-home parent.

Walking away from any full-time salary in this economy is a tough decision. Scores of parents haven't had the luxury of choice because of layoffs, downsizing, and the overall fiscal turmoil.

So far, the decision is proving a rewarding one for our friends, but they certainly debated the merits and quality-of-life considerations long before taking the plunge. Here's a look at some of the major fiscal, social, and familial factors they took into account. (See also: Why Stay-at-Home Dads Are Good for Families via Parenting Squad)

1. The Single Salary Budget

It's the obvious starting (and possibly ending) point. The most important question surrounding becoming a stay-at-home parent is whether your family can truly afford living on one salary. Before becoming a stay-at-home parent, make sure to adequately plan for the reduction in income. Make sure that your family is able to maintain the same quality of life they are used to while also having adequate income to save for retirement. Honest budgeting and realistic expectations regarding necessities and wants are key.

2. Having a Safety Net

If the employed spouse becomes injured, terminated, or laid off, will your family be able to support itself until your spouse finds work again? Unless your family is able to support itself for six months without a salary, becoming a stay-at-home parent may not be a good option. A sudden job loss could leave your family in a tough financial spot.

3. Adequate Communication

While one parent is working and the other is staying at home, it is very easy for resentment to build between spouses. One or both may feel taken advantage of, and it is often common for the stay-at-home spouse to feel neglected. Before you decide to stay-at-home, it's a good idea to thoroughly discuss how you will manage the change and how you plan on keeping the lines of communication open. Also plan to make several changes to accommodate the different schedules and remain flexible.

4. Actual Savings

While you may be saving money on child care and gas by choosing to stay at home with the kids, you may spend more money on utilities, food, and activities. Trying to entertain children at home may also prove to be more expensive as you may have to purchase new toys or plan for daily outside activities. Actually sit down and calculate the current expenses you have at the office and those you can expect to have while staying at home.

5. Social Outlets

Staying at home instead of going to the office can bring about strong feelings of isolation and lacking social connections. Before becoming a stay-at-home parent, make plans for maintaining an adequate social life. Also keep in mind that having to create a social life outside of the office can be more expensive. Instead of being able to have lunches in the meeting room with coworkers to fulfill social needs, you may now have to enroll in enrichment activities or plan to eat out more.

6. Career Prospects

While most parents choose to become stay-at-home parents during their childen's younger years, many desire to return to the working world once their children are older. Being out of the workforce for numerous years can decrease the likelihood of securing a job in the future, and parents who choose to stay home need to consider whether they would be comfortable about being in a lower position or not obtaining one at all in the future.

7. The Effects on Children

While many parents believe that staying at home with their children can be more beneficial for their children, it can actually be detrimental. Day care provides children with a great way to learn to be social and how to function well in group settings. When children are kept at home, they can be deprived of socialization unless a parent sets up frequent social experiences such as play dates or trips to the park.

Written by Chris Birk and published on Wise Bread. Read more articles from Wise Bread.

Best Money Tips: Tips for Parents of Two-Year Olds

Ashley Jacobs — Mon, 22 Aug 2011 10:00:21 +0000

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some awesome articles on tips for parents of two-year olds, money mistakes to avoid, and steps to overcome financial fears.

6 Paths to a Greener Back-to-School Season

Chris Birk — Mon, 22 Aug 2011 09:48:15 +0000

Adding an eco-friendly focus to the back-to-school season can be a great way to teach kids about sustainability, and parents don't have to part with a bunch of green in order to be green. The key is finding simple, cost-effective ways to introduce environmentally conscious approaches and items. Here are a few options to consider. (See also: 10 Ways to Go Green and Save Money at the Same Time)

1. Scrounge for Leftovers

Just because a binder or folder got used last year doesn't mean it's out of commission. Check your household inventory and make use of what's left. You may be surprised to find some unopened packs of pens, pencils, or paper. Also, put those excess rulers, calculators, and pharmaceutical pens to good use. After taking stock of what you already have, you'll be able to make a list of anything you still need.

2. Check the Closet

Go through the closet with your kids and make two piles: what fits and what doesn't fit. If you know other parents, try to organize a clothing swap. Otherwise, donate the stuff that doesn't fit. Don't feel obligated to buy brand new clothing, either. Thrift stores and garage sales always have a bundle of gently used, fashionable clothes. This goes for students of all ages.

3. Buy Recycled

It's become easier to purchase recycled school supplies, backpacks, and clothing, even from big box stores. Recycled and chlorine-free paper notebooks are a favorite. You can also purchase pencils made from recycled wood, which ensures new trees aren't felled. Natural fiber backpacks have become more popular. Some retailers, like REI, have rolled out entire clothing and supply lines with an environmental bent. It won't be long before corn-plastic scissors are all the rage.

4. Buy Reusable

Paper products clog landfills nationwide, comprising about 40% of all waste. Getting a sturdy, insulated reusable lunch box or lunch bag can help curb the problem and eliminate the need for paper bags every week. Consider going a step further and giving your child a set of cheap silverware and a cloth napkin. You can also pick up a BPA-free water bottle and cut down on the need for water bottles, non-recycled milk cartons, and trips to the school water fountain.

5. Opt for E-Books

It isn't always possible, but opt for an electronic version of a book when you can. Some textbook publishers are beginning to beef up their e-books, although college students are still at the mercy of their professors.

6. Transportation

Walking or biking to school, so long as it's a safe option, can have a significant impact on sustainability. But taking the school bus is certainly preferred over a solo trip to drop off a child at school.

Written by Chris Birk and published on Wise Bread. Read more articles from Wise Bread.

Back-to-School Time Savers

Debbie Dragon — Wed, 17 Aug 2011 09:37:12 +0000

As summer comes to an end, it comes time to say goodbye to carefree mornings and prepare for the more structured days of the school routine. If your school mornings generally consist of everyone rushing around in the house, fighting over the bathroom, trying to make lunches, eat breakfast, and make it to school and work on time — and your after-school hours filled running from one kid's activity to the next — maybe the following tips will help your family get out the door on time with less stress. Ease into the school year with these back-to-school time savers. (See also: 10 Ways to Save Time With Batch Processing)

Retrain Your Internal Clock

A week or two before school starts, start getting the kids to bed earlier and waking up about the time you will need to wake up on school mornings. This is particularly helpful for families who have no set schedule during the summer weeks, and can help everyone ease back into the early morning routine.

Create a Morning Routine With Checklists

Children have greater success when they know what is expected of them, especially young elementary children. Figure out what needs to be done on school mornings, and what order it should be done in and create checklists for the kids to follow. For children who can't read yet, simple picture-based charts will work (a picture of clothes to show it's time to get dressed, cereal bowl for breakfast, toothbrush, etc.).

For older children, make a simple step-by-step list of things to do before heading out the door and slide it into a clear page protector. Then your child can use a dry erase marker to check each item off their list as they get ready for school each morning. When your children know what to do next without the need for constant reminders from you, it gives you some extra time to prepare their breakfast and lunches — and to get yourself ready, too.

Use the Night Before

Many families try to do everything in the hour or so after waking up. You can reduce a lot of morning-time stress by using the night before to get organized. Get clothes for the next day ready for everyone in the family, including shoes and accessories. When clearing the table after dinner, prepare lunches for the next day and get everything ready for breakfast — even set the table. Make sure all homework or work materials are packed in bookbags and briefcases and the bags are waiting by the front door or in some other designated spot. The more you can do the night before, the less hectic your morning routine will be. Starting the day more relaxed helps everyone continue the "good day" vibe for the rest of the day.

Post a Family Planner on the Fridge

Get a large dry-erase calendar to use as your family planner and keep it where everyone can see, at a glance, what is happening for the week or month. Consider using dry-erase markers in different colors for each family member's schedule to make it easy to see where each family member will be at any given time (Joey's baseball practice, Sarah's piano lessons, etc.).

Create a Study Area

Homework and study time is easier to manage if there is a designated area for each family member. You may create a desk area in each of their bedrooms or set up the dining room table as the study area — the location should have minimal distractions and all the supplies they may need to complete their assignments. You could keep a drawer in the china cabinet filled with pens, pencils, crayons, paper, scissors, and glue sticks, or ensure each child's desk has all the necessary supplies for getting the job done. If homework time is an issue in your home, establish a rule from the first week of school that requires homework or quiet reading at a specific time each day in order to gain video game or television privileges.

A little preparation and organization before the back-to-school rush begins can help keep your family on track, on time, and less stressed. Who knows? Implementing these tips in your own household might even give you a few extra minutes of sleep each morning!

Written by Debbie Dragon and published on Wise Bread. Read more articles from Wise Bread.