Family http://www.wisebread.com/taxonomy/term/4566/all en-US 23 Recipes for Slime Your Kids Can Make — and Even Sell! http://www.wisebread.com/23-recipes-for-slime-your-kids-can-make-and-even-sell <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/23-recipes-for-slime-your-kids-can-make-and-even-sell" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-543333194.jpg" alt="Kid making and selling slime with slime recipes" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>At a Girl Scout retreat last weekend, I watched a middle school girl knead and roll a cerulean ball of pliable, shiny, stretchy &hellip; stuff &hellip; as she chatted with friends. The other girls at the table couldn't take their eyes off it.</p> <p><em>&quot;</em>What slime recipe did you use?&quot;</p> <p>&quot;Can I touch it?&quot;</p> <p>At an age where interests lean toward Snapchat and heavy eye makeup, it was refreshing to see the childlike wonder that a plastic bag of slime brought out in these young teens.</p> <p>That's why the trend of making, Instagramming, and even selling various types of slime in middle schools all over the country warms my heart. It's hands-on. As a non-Newtonian fluid with properties that change with ingredient variations, it's also science-y. It appeals to kids' senses, not just their eyeballs. And since it's made with just a few dollars' worth of household materials, it's frugal fun, too. It can even be a source of spending money for kids who get so good at slime-making that other kids want to buy it. (See also: <a href="http://www.wisebread.com/13-businesses-your-tween-can-start?ref=seealso" target="_blank">13 Businesses Your Tween Can Start</a>)</p> <p>If your child wants to get in on the slime trend but needs some instructions to get started, here are some winning recipes.</p> <h2>1. Opaque slime</h2> <p>The <a href="http://www.hometrainingtools.com/learning-center/how-to-make-slime/" target="_blank">original slime recipe</a> has been around for a generation. It calls for just three ingredients: school glue, borax, and water. The result is a whitish, flexible putty. Note that slimes containing borax are not edible; the powdery substance can be toxic in large doses.</p> <p>For extra fun, try <a href="https://sciencebob.com/make-your-own-bouncy-ball/" target="_blank">molding your slime into a ball</a> and bouncing it. It will lose its bounce gradually, but keeping it moist in a plastic bag will help.</p> <h2>2. Clear slime</h2> <p>This is the same recipe as above, but <a href="https://www.stevespanglerscience.com/lab/experiments/glue-borax-gak/" target="_blank">with clear glue</a>. The difference is striking!</p> <h2>3. Liquid starch slime</h2> <p>Just as borax does, liquid starch can cross-link the polymers in glue, creating that moldable blobbiness that's fun to knead. If you hate mixing powders with your hands, like I do, you might prefer <a href="https://sciencebob.com/make-some-starch-slime-today/" target="_blank">this recipe</a> to the borax version. The resulting slime is the kind that kids can use to make rude noises when moving it in and out of a plastic container. If you don't get it, just ask your tween.</p> <h2>4. Fake snot</h2> <p>Younger kids might enjoy this <a href="http://littlebinsforlittlehands.com/fake-snot-edible-gelatin-slime-science-activity/" target="_blank">gross-out snot version</a> more than the middle school set. The recipe includes gelatin, corn syrup, and water.</p> <h2>5. Flavored edible slime</h2> <p>Perhaps disturbingly, the fake snot recipe listed above is an edible slime. To make it more palatable, you can take the same recipe and <a href="http://littlebinsforlittlehands.com/taste-science-with-edible-gelatin-slime-activity/" target="_blank">add flavored extracts</a> or small amounts of fruit juice. (Giving it a different name would probably help, too.)</p> <h2>6. Nickelodeon slime</h2> <p>Gen-Xers will remember the early cable Nickelodeon show <em>You Can't Do That on Television,</em>&nbsp;on which the young actors (including Alanis Morissette) were doused with buckets of gross green gook. This <a href="http://www.wikihow.com/Make-Nickelodeon-Slime" target="_blank">reverse-engineered recipe</a> calls for Jell-O, flour, Johnson's Baby Shampoo, water, and food coloring.</p> <h2>7. Sticky kitchen slime</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/OAe0jEW0RHo" frameborder="0" allowfullscreen=""></iframe></p> <p>Dish soap, water, and flour. This is a <a href="https://www.youtube.com/watch?v=OAe0jEW0RHo" target="_blank">convenient slime recipe</a> to whip up on a snow day, since you probably already have all the ingredients in your kitchen. Only make this one if the idea of slime that adheres to your hands doesn't revolt you.</p> <h2>8. Soapy slime</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/idkWcHYnqjA" frameborder="0" allowfullscreen=""></iframe></p> <p>For some good clean fun, mix <a href="http://www.playbasedlearning.com.au/2009/11/slippery-slime/" target="_blank">soap flakes</a> or a <a href="https://www.youtube.com/watch?v=idkWcHYnqjA" target="_blank">microwaved bar of Ivory</a> with water. This slime is ideal for keeping in a large container and running your hands through it, since the consistency can be soupy.</p> <h2>9. Sticky edible slime</h2> <p>Cook sweetened condensed milk with cornstarch on the stovetop for a <a href="http://childcentralstation.com/2011/05/super-stove-top-slime-off.html" target="_blank">slime that you will have to lick off</a> your fingers. Flavor this with chocolate syrup to make <a href="http://chemistry.about.com/od/slimerecipes/a/chocolate-slime-recipe.htm" target="_blank">chocolate slime</a>.</p> <h2>10. Cookie cutter slime</h2> <p>Using soluble fiber such as Metamucil, you can <a href="http://chemistry.about.com/cs/howtos/ht/flubber.htm" target="_blank">make this slime that is easily sliced</a> with a knife or shaped with a cookie cutter without sticking.</p> <h2>11. Bathroom slime</h2> <p>Mix a thick <a href="http://www.wikihow.com/Make-Slime-with-Just-Shampoo-and-Toothpaste" target="_blank">shampoo one-to-one with toothpaste</a>, then freeze to take out the sticky factor. You'll end up with a translucent putty that's easy to make without a trip to the store.</p> <h2>12. Colored slime</h2> <p>To any of the above recipes, add a few drops of food coloring or liquid watercolor paint. If you add green color to the clear slime, it looks like the ectoplasm in <em>Ghostbusters</em>.</p> <h2>13. Glitter slime</h2> <p>Replace the glue in any of the basic recipes with clear glitter glue, or use clear glue and pour in glitter from a jar, and you will have a sparkly slime that's perfect for glam party favors.</p> <h2>14. Galaxy slime</h2> <p>This twist calls for three batches of glitter slime in different colors &mdash; using colored <a href="http://diyjoy.com/kids-crafts-diy-galaxy-slime-recipe" target="_blank">glitter glue, food coloring, or acrylic paint</a>. Lay them side by side and twist them together to get a streaky, Milky Way effect.</p> <h2>15. Black light slime</h2> <p>Use diet tonic water in the Metamucil slime recipe, and you've got a goop that glows under a black light.</p> <h2>16. Attraction slime</h2> <p><a href="http://chemistry.about.com/od/slimerecipes/fl/How-To-Make-Magnetic-Slime.htm" target="_blank">Mixing iron oxide powder</a> into a classic slime recipe will make goop that is attracted to strong magnets. This one is not safe for really little kids who might put the slime or the magnets in their mouths. Watch out for pets around this one, too.</p> <h2>17. Mood ring slime</h2> <p>Color any slime recipe with <a href="http://amzn.to/2mVoFsf" target="_blank">thermochromatic pigment</a>, available on Amazon, and you'll get a <a href="https://www.thoughtco.com/color-changing-slime-recipe-609157" target="_blank">substance that changes color</a> when you press your palm into it, touch it to a cold drink, or heat it with a hair dryer. This one should drive the middle school kiddos wild.</p> <h2>18. Slime with mix-ins</h2> <p>Once the novelty of kneading a polymer gets old, you can crank up the sensory factor of your slime by adding mix-ins, as if you're working at Cold Stone Creamery. You can pretty much add anything you want: <a href="http://www.theidearoom.net/halloween-monster-slime-recipe/" target="_blank">Small toys</a> or &quot;<a href="https://www.stevespanglerscience.com/store/jelly-marbles-clear-spheres.html" target="_blank">alien eggs</a>&quot; add pleasant textural and visual surprises as you knead.</p> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/FXrfoudPos4" frameborder="0" allowfullscreen=""></iframe></p> <p>This is a great way to make holiday-themed slime, such as <a href="https://www.youtube.com/watch?v=FXrfoudPos4" target="_blank">eyeball slime</a> for Halloween or star-spangled slime for Independence Day.</p> <h2>19. Sandy slime</h2> <p><a href="http://frugalfun4boys.com/2015/04/07/how-to-make-sand-slime/" target="_blank">Glue, detergent, and smooth sand</a> make this product that stretches like regular slime but has a nice grainy texture. <a href="http://amzn.to/2n4GZj2" target="_blank">Colored sand</a> would be a fun twist.</p> <h2>20. Fluffy slime</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/Q6qxULdP5UE" frameborder="0" allowfullscreen=""></iframe></p> <p>Adding shaving cream and foaming soap to typical slime ingredients yields a <a href="https://www.youtube.com/watch?v=Q6qxULdP5UE" target="_blank">slime with a lot of air</a> in it, which makes for bubbles to pop and the ability to create pretty swirly shapes.</p> <p>&quot;Adding shaving cream makes it fluffy, which is something that many middle schoolers like. You can also make it more stretchy by putting in a little bit of lotion, which is also something middle schoolers like,&quot; explained a middle school source who agreed to speak with me on the condition of anonymity.</p> <p>Adding in scented personal care products also create a pleasant feel on the fingers.</p> <h2>21. Homemade &quot;Floam&quot;</h2> <p>Take a standard slime recipe and <a href="http://www.growingajeweledrose.com/2013/12/homemade-floam-recipe-for-play.html" target="_blank">add polystyrene beads</a>, the kind that fill a bean bag chair. You can buy them at a craft store, or upcycle Styrofoam packaging by crumbling it up. The result is a more moldable slime, sold commercially as Floam.</p> <h2>22. Iceberg slime</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/ID37N1O0Jmg" frameborder="0" allowfullscreen=""></iframe></p> <p>Start with fluffy slime. Set it out to <a href="https://www.youtube.com/watch?v=ID37N1O0Jmg" target="_blank">dry uncovered for two days</a> to achieve a crunchy crust on the top, for the sheer pleasure of breaking holes in the top and watching &mdash; and listening to &mdash; the surface crack.</p> <h2>23. Avalanche slime</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/hyXO09Lj7IM" frameborder="0" allowfullscreen=""></iframe></p> <p>This project involves <a href="https://www.youtube.com/watch?v=hyXO09Lj7IM" target="_blank">combining white slime in a container with colored transparent slime</a> to create a whirled, multicolored effect.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/23-recipes-for-slime-your-kids-can-make-and-even-sell">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-amazing-board-games-you-can-diy">8 Amazing Board Games You Can DIY</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/three-kids-diy-projects-in-your-pantry">Three Kids&#039; DIY Projects In Your Pantry</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-free-or-cheap-toys-that-will-make-your-kid-smarter">14 Free or Cheap Toys That Will Make Your Kid Smarter</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/frugal-ways-to-help-your-child-get-the-best-education">Frugal Ways to Help Your Child Get the Best Education</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-awesomely-fun-toys-you-can-diy">15 Awesomely Fun Toys You Can DIY</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> DIY Family DIY kids kids toys shopping trends side hustle slime slime recipes toy trends Tue, 21 Mar 2017 11:01:05 +0000 Carrie Kirby 1911508 at http://www.wisebread.com The Fair Way to Split Up Your Family's Estate http://www.wisebread.com/the-fair-way-to-split-up-your-familys-estate <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-fair-way-to-split-up-your-familys-estate" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-185267899.jpg" alt="Learning the fair way to split up a family&#039;s estate" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>I've seen many family rifts created over an estate. Without clear guidance on your wishes, heirs and relatives may descend into fights over your belongings, sometimes taking grudges to their own graves. Don't let that happen to your family. Here are a few tips on how to smooth out the kinks of your will before you take your last bow.</p> <h2>Determine Beneficiaries in Your Life Insurance Policy Ahead of Time</h2> <p>If you have a life insurance policy, you have the option to name beneficiaries before you die. You can divide the payout evenly among those you'd like to name, or you can assign a particular percentage of the payout to each individual. Either way, you spare your beneficiaries the unpleasant conversation of who gets how much.</p> <p>If there are any hurt feelings after the fact because this person or that person didn't receive the payout they feel they deserve, it's really not your problem anymore. At least you spelled out your wishes legally and ahead of time.</p> <h2>Involve Your Beneficiaries in Inheritance Decisions While You're Alive</h2> <p>If you want to involve your family in the asset-dividing task while you're still alive, there are a couple ways to make this work. Certified financial planner Jody Giles &mdash; author of <a href="http://amzn.to/2kFEX8m" target="_blank">Missing Pieces Plan</a>, a guide to help people plan for their final wishes &mdash; offers two options for family participation in asset assignment to avoid infighting when you pass.</p> <h3>Round Robin</h3> <p>One way to give away heirlooms now, Giles says, is to hold a &quot;round robin&quot; where each beneficiary gets a turn picking an asset or heirloom.</p> <p>&quot;I suggest making a list of all the items you deem sentimental and circulate it to your loved ones,&quot; says Giles. They can then choose from the list, or add items you may not have even thought about. &quot;You might find they really care about a coffee mug that you don't see as valuable, but they do,&quot; she says.</p> <p>Once you have a complete list, you may consider separating sentimental items (coffee mugs, trophies, a wine opener, nostalgic popcorn bowl) from valuable items, like furniture, silver, jewelry, and art.</p> <p>Drawing names is a great way to determine who starts the round robin, or you can easily go by birth order or other creative option for deciding who goes first. Then have each loved one choose an item off the &quot;sentimental&quot; list, then the &quot;valuable&quot; list, and so forth.</p> <p>At the round robin's completion, your loved ones have intentionally and thoughtfully selected your heirlooms. Then, you can decide what you give away now or what you intend to keep until you pass. Most importantly, you have a documented list indicating to whom all your sentimental and valuable items shall pass &mdash; as they deem fair.</p> <h3>Play Money</h3> <p>Another idea, according to Giles, is to give an equal amount of &quot;play money&quot; to each intended beneficiary. If necessary, you can hire an appraiser to value and price all of your assets. Each heir is then given the opportunity to &quot;buy&quot; items from the estate.</p> <p>&quot;If you want to downsize,&quot; Giles says, &quot;you can certainly make the transfer during your lifetime or keep track of the 'purchases' to reduce tension and make the transfers seamless after you're gone.&quot;</p> <p>You can also have the satisfaction of knowing that heirlooms you hold dear will continue to be treasured by the next generation.</p> <h2>Include a Letter of Explanation in Your Will</h2> <p>Unless you have the good fortune of being part of the &quot;perfect&quot; family, your assets may not be divided equally &mdash; perhaps for good reason. It's your right to divide your assets however you wish, but you can bet it may leave a sour taste in the mouth of whomever gets the short end of the stick.</p> <p>To quell the hurt feelings, include a letter of explanation in your will. It can go a long way toward helping your loved ones understand your decisions. Maybe you're giving less money and property to a more successful child so some of the less successful ones can turn their lives around. Whatever the reason &mdash; if you think an explanation is necessary, provide one.</p> <p>&quot;Most people say that they allocate money based on need and not love,&quot; says Illinois-based attorney Evan Randall. &quot;Obviously a disabled child requires more money in the long run in addition to possibly not being able to work. It gets harder when the needs are on the same level.&quot;</p> <h2>Assign Assets and Let Loved Ones Swap Rights to Them</h2> <p>Nobody wants to contest a will, but siblings and other close family members often end up doing that if your will isn't watertight.</p> <p>Estate-planning attorney Ashley L. Case with Tiffany &amp; Bosco in Phoenix, Arizona, offers a method to eliminate broken hearts and temper tantrums ahead of your death. It involves creating groups of items that you think are equal in monetary or sentimental value.</p> <p>&quot;Each heir could be assigned a group of items at random, which would represent the inheritance of the heir,&quot; explains Case. &quot;In the event that the heir was interested in an item belonging to another heir, the two can negotiate separately.&quot;</p> <p>This allows you to distribute your assets equally while lowering the chances your heirs will have to resort to litigation upon your death. Because, really, who wants to go to court to duke it out over a dead person's stuff?</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/the-fair-way-to-split-up-your-familys-estate">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/should-you-set-up-a-trust-for-your-child">Should You Set Up a Trust for Your Child?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-financial-moves-to-make-when-a-loved-one-dies">12 Financial Moves to Make When a Loved One Dies</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-money-moves-to-make-before-you-remarry">8 Money Moves to Make Before You Remarry</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-reasons-you-need-to-include-pets-in-your-will">6 Reasons You Need to Include Pets in Your Will</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-simple-guide-to-planning-for-a-loved-ones-long-term-care">A Simple Guide to Planning For a Loved One&#039;s Long-Term Care</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Family beneficiaries death estate planning heirs inheritance last will and testament legal life insurance valuables Fri, 17 Mar 2017 10:30:24 +0000 Mikey Rox 1907104 at http://www.wisebread.com 13 Businesses Your Tween Can Start http://www.wisebread.com/13-businesses-your-tween-can-start <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/13-businesses-your-tween-can-start" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-629254116.jpg" alt="check out these business your kid can start" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Somewhere between childhood and teendom, many kids have an epiphany. I remember having it myself. They realize that money gets you things &mdash; movie tickets, clothes, and ice cream cones. And you don't have to just ask your parents for money. You can get out there and <em>make</em> it.</p> <p>For my 12-year-old, the epiphany has been very specific. If she had a few hundred dollars, she could <a href="http://www.wisebread.com/12-smart-ways-to-score-hamilton-tickets?ref=internal" target="_blank">get tickets to Hamilton</a>. Lately, every conversation is peppered with information on how her current entrepreneurial efforts are going, and ideas for new businesses. She's a <em>tweentrepreneur</em>, basically.</p> <p>Tweens are in a sweet spot for running their own businesses, because unlike little kids, they may have developed near-adult competencies in certain areas &mdash; like growing a strong social media presence &mdash; but unlike older teens and adults, they probably have a lot of free time on their hands. With all these ideas, it's important to use common caution: Don't let tweens go to strangers' homes unaccompanied, or distribute their personal phone numbers, addresses, or email.</p> <p>Here are some ideas that she (and I) have thought of.</p> <h2>1. Dog Walking</h2> <p>This is one of the first things my tween has ever gotten paid for. It's a good &quot;starter responsibility&quot; because the tween only has to be responsible for the dog for a short amount of time, and because there is a lot of latent demand out there from people who wish their dogs got more exercise but don't want to pay the $35 per walk that some professional dog walkers charge in my area.</p> <p>My tween got her first dog walking gig when I answered an ad on a local email group from someone looking for a few days of backup for her regular walker. She earned about $20 for an hour of her time two days in a row.</p> <p>Now that she has a reference, she plans to solicit more customers through the same list and through friends and family.</p> <h2>2. Petsitting</h2> <p>This can be combined with idea above for an overall pet care business. So far, my tween's petsitting jobs have been unsolicited &mdash; a neighbor asked her to come to her house to feed and play with their cats while the family was out of town. This is a step up in responsibility, because besides ensuring the animals' welfare, my tween has to be careful to lock the door behind her every time she visits. She has gone the extra mile by emailing photos and a report to the pet owner every time she visits their home. She gets paid $10 a visit.</p> <h2>3. Pet Cleanup</h2> <p>This could be added to a full-service pet care business. Lots of people hate scooping dog poop out of their backyards or cleaning the cat's litter box. Teach your tween precautions to avoid spreading bacteria.</p> <h2>4. Babysitting</h2> <p>The age when kids can start babysitting is not universally agreed upon, but my daughter's Girl Scout handbook suggested 12, and the <a href="http://www.redcross.org/take-a-class/babysitting-child-care" target="_blank">Red Cross</a> offers a training course for her age, so I felt my mature seventh-grader was ready.</p> <p>Luckily, we have a neighbor who was looking for help with her twins, and was willing to train my daughter. My daughter spends much of her time in &quot;mother's helper&quot; mode, reading to one twin while the other gets a bath or vice versa, but she is working up to being alone with the kids for short periods of time. It's also lucky that I am able to be nearby, next door, as my daughter gets her babysitting legs under her.</p> <p>My tween earns $5 an hour for this job. There is a lot of demand in our neighborhood, since more teens are busy with after-school activities than in the past. She could easily build up a large clientele if she wanted to.</p> <p>Most kids get babysitting jobs through word of mouth, but if your child is 14 or older, you can help them set up a <a href="https://www.care.com/c/stories/2821/how-to-get-a-teen-babysitting-job/" target="_blank">parent-monitored account on Care.com</a>.</p> <h2>5. Making Something to Sell</h2> <p>So far, my kids have only sold handmade items for charity, but the results were eye-popping. A mom who knows how to make jewelry donated a load of earring hooks and baubles, and taught my daughter's Girl Scout troop to make earrings. During the holiday season, they set up a table downtown and sold dozens of pairs of earrings for $10 each, in just a few hours, netting hundreds of dollars for their cause.</p> <p>Kids can also sell their wares online with parental supervision. Another girl we know hand-sewed blankets and other items, and sold them on Etsy to raise money for charity. If they make a high quality product, they could even get it carried by a local store.</p> <p>More ideas for products that a tween can competently make at home: slime, soap (with supervision), greeting cards, crafty gifts, tie-dyed items, food products (in states that allow selling things made in home kitchens), bath products, personalized items, and knitted or crocheted items.</p> <h2>6. Mowing the Lawn</h2> <p>This has not been my kid's speed, but it's a time-honored tradition to hire a neighbor kid to mow your lawn, rake your leaves, or shovel your snow. If you can lend them your mower or shovel, it gives them a leg up. Weeding and watering are also tasks that are hard to mess up.</p> <h2>7. Running Errands</h2> <p>Nowadays, many of us are raising children in car-dominated suburbs or cities where we don't feel safe letting kids out of our sight. But if you're like me, lucky enough to live in a small city that is bikeable and walkable, but also has very low crime, your tween should be able to make a few bucks by picking things up at the grocery store for neighbors, returning library books, and the like.</p> <h2>8. Wrapping Gifts</h2> <p>My tween has been charging family members to wrap presents for the past couple of years, and she does a brisk trade. She saves money on materials by keeping fancy bows from gifts she receives. Next year, she plans to open her business to the public. In our town, a local bookstore allowed Girl Scouts to set up a wrapping table, just for tips, during the holiday season. Especially if her business aims to raise money for charity, local stores might allow this for your tween.</p> <h2>9. Performing at or Planning Kids' Birthday Parties</h2> <p>When I was a child, children's author Florence Parry Heide lived in my town. Through the grapevine, my mother heard that the author was looking for someone to dress up as a clown to entertain at her grandchild's birthday party at her lakefront mansion. Since I enjoyed acting, and needed money, I gave it a try. I checked out some books on how to be a party clown from the public library, put together a costume with my grandmother's help, and showed up at the party to do a few dopey magic tricks, act silly, and generally entertain the kids. I got a rave review from Ms. Heide, and ended up performing at a few other parties around town.</p> <p>My tween, on the other hand, excels at planning party themes and making pretty cakes. She has seriously considered offering to put together theme parties for families who don't want to do the work themselves, but also don't want to spend $300 or more to host a party at an event space or hire a professional party planner.</p> <h2>10. Assisting the Technologically Impaired</h2> <p>For some tweens, using the Internet to do everything from creating a photo book to setting up a new cell phone line comes naturally. If you have technophobe neighbors, your tween could help out with such tasks for a small fee. Teens who are really computer savvy could even charge for on-call tech support.</p> <h2>11. Garage Sale Concessions</h2> <p>This is a favorite with all my kids, including the littler ones. Whenever we have a yard sale, they set up a table and sell cotton candy, lemonade, baked goods, whatever edibles they can come up with. In fact, the kids beg me to hold a sale just so they can do this.</p> <h2>12. Tutoring</h2> <p>If your tween has the patience and is a good student, they could help a younger child with homework after school or offer extra help in a specific subject. Some parents would pay just to have someone read to their young child for half an hour a day.</p> <h2>13. Becoming a YouTuber</h2> <p>Believe it or not, there are children making <a href="http://www.dailymail.co.uk/femail/article-3042385/Eight-year-old-mini-Martha-Stewart-earns-staggering-127-000-MONTH-YouTube-baking-tutorials.html" target="_blank">six figures a month</a> by posting videos on YouTube. From the looks of that channel, the top cooking show on the site, making it probably involves full-time adult help. But it's possible for kids to make videos of playing Minecraft, reviewing, playing with, and even unboxing toys, or something based on their own ideas, with little to no adult help, and make some money.</p> <p>If your child wants to make YouTube videos, you should do a safety check on each video before it's uploaded. Make sure there are no clues as to your physical residence, and that they don't share their full name, for instance. It's probably also a good idea to turn off the comments.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/13-businesses-your-tween-can-start">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-to-do-when-youre-sick-of-your-side-gig">What to Do When You&#039;re Sick of Your Side Gig</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-you-can-earn-18-to-25-an-hour-with-amazon-flex">How You Can Earn $18 to $25 an Hour With Amazon Flex</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-earn-extra-money-with-your-car">7 Ways to Earn Extra Money With Your Car</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/freelance-your-way-to-more-income-and-flexibility">Freelance Your Way to More Income and Flexibility</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Family entrepreneurs extra money first job jobs for tweens side gig side hustle small business Fri, 10 Mar 2017 11:00:10 +0000 Carrie Kirby 1906472 at http://www.wisebread.com 8 Great Places to Take the Family for Spring Break http://www.wisebread.com/8-great-places-to-take-the-family-for-spring-break <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-great-places-to-take-the-family-for-spring-break" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-477325706.jpg" alt="Finding great places to take the family for Spring Break" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's hard to believe, but spring is just around the corner, and that means planning your spring vacation. Unfortunately, traveling during peak travel weeks like Spring Break can be costly if you don't shop around. But there are plenty of destinations that offer superior value and family-friendly activities your kids will love.</p> <p>Here are eight warm-weather destinations that fit the bill for the perfect Spring Break trip. (See also: <a href="http://www.wisebread.com/4-ways-to-take-a-frugal-grownup-spring-break?ref=seealso" target="_blank">4 Ways to Take a Frugal Grown-up Spring Break</a>)</p> <h2>1. Orlando, Florida</h2> <p>The sheer number of hotels and resorts in and around Orlando makes this family-friendly city a superb option for Spring Break. Finding a good deal is easy with so many properties to choose from. Plus, three-star hotels start at just $130 per night.</p> <p>Orlando is also thick with activities for the entire family, and they extend far beyond just expensive Disney parks. Not only can you splurge for tickets to the Magic Kingdom or Animal Kingdom, but you can take your kids to water parks, Sea World Orlando, and museums like Ripley's Believe it or Not. And if you have a rental car, several family-friendly beaches are just a few hours away.</p> <h2>2. Tampa, Florida</h2> <p>Tampa, Florida is easy to get to since many major airlines offer nonstop flights from major hubs. Plus, a three-star beachfront hotel can cost as little as $130 per night during the last week of March.</p> <p>Aside from the beach, kids will have plenty to do in and around Tampa. The city itself is home to a Busch Gardens theme park, an aquarium, and the famous Lowry Park Zoo.</p> <h2>3. Orange Beach, Alabama</h2> <p>Orange Beach's location along the gulf coast makes it an easy drive from many parts of the Midwest. Orange Beach is only 14 hours from Chicago and 11 hours from St. Louis, for example.</p> <p>This beach town is brimming with cheap rental condos you can book on Airbnb or VRBO.com. There are also dozens of inexpensive family-friendly restaurants in Orange Beach, as well as the neighboring city of Gulf Shores.</p> <p>You can play mini golf, visit the local petting zoo, or take a dolphin sighting tour. But what you'll really want to do is sit back and relax on the world's whitest, sandiest beach while your kids play in the surf.</p> <h2>4. Myrtle Beach, South Carolina</h2> <p>Myrtle Beach is another warm weather spot where cheap hotels are plentiful. You can find numerous hotel deals at three-star properties for less than $100 per night.</p> <p>For example, the Sand Dunes Resort &amp; Spa sits on the beach and hosts its own small water park with a lazy river, yet costs less than $90 per night during the last week of March. Even the 3.5 star Litchfield Beach &amp; Golf Resort costs less than $100 per night during Spring Break, and that's despite its beach access and on-site amenities like a water park, tennis, and golf.</p> <p>If you tire of your resort, you can keep the kids busy on the Myrtle Beach Boardwalk, at one of the seasonal water parks, or the Family Kingdom Amusement Park.</p> <h2>5. South Padre Island, Texas</h2> <p>South Padre Island is home to numerous vacation condos, plus plenty of low-cost hotels perfect for families. The Schlitterbahn Beach Resort, for example, complements its beachfront location with a huge lazy river and water park, yet comes with rates as low as $130 per night.</p> <p>South Padre Island is home to the famous Gravity Adventure Park theme park, baby sea turtle releases, and beach sports galore. There's also a Birding and Nature Center so you can observe birds and other wildlife in their natural, wetland environments.</p> <h2>6. Gatlinburg, Tennessee</h2> <p>Despite the huge fires that tore through much of Gatlinburg and the Smokies recently, the city is once again open for business. Not every attraction is open quite yet, but most are.</p> <p>You can still enjoy the beautiful mountain backdrop, head out for a hike, or visit Riley's Aquarium of the Smokies. The Gatlinburg Mountain Coaster, Space Needle, and Mirror Maze are all open, too. Most of the major restaurants and haunts for locals were also unscathed by the fire, as well.</p> <p>Obviously, Gatlinburg needs to bring tourism back, and this means low prices for the time being. Right now, Expedia shows affordable prices ($100 or less) for nearly all three-star Gatlinburg and Pigeon Forge hotels for the last week of March.</p> <h2>7. Atlantic City, New Jersey</h2> <p>Atlantic City may not come with the warm weather you hoped for during Spring Break, but it can be downright cheap. At the moment, numerous hotels and vacation condos can be found for less than $100 per night.</p> <p>Fortunately, there's plenty to do in Atlantic City far from the flashy casinos. Take the kids out to explore the Atlantic City Boardwalk or to the Steel Pier Amusement Park. You'll also find many family-friendly restaurants, arcades, and more.</p> <h2>8. San Diego, California</h2> <p>San Diego may not seem like a frugal Spring Break spot, but it has enough lodging options and activities to make the cut. Plenty of hotels in San Diego and surrounding neighborhoods cost less than $100 per night during Spring Break.</p> <p>The big value in San Diego is just how much there is to do. The city is home to the world-famous San Diego Zoo, Sea World, and LEGOLAND. And the area's beautiful beaches, stretching from San Diego all the way down to La Jolla will blow you away. With the proximity to the beach, you can spend days playing in the surf and relaxing with the whole family.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <div align="center"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-great-places-to-take-the-family-for-spring-break&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%20Great%20Places%20to%20Take%20the%20Family%20for%20Spring%20Break.jpg&amp;description=8%20Great%20Places%20to%20Take%20the%20Family%20for%20Spring%20Break" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <div align="center">&nbsp;</div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8%20Great%20Places%20to%20Take%20the%20Family%20for%20Spring%20Break.jpg" alt="8 Great Places to Take the Family for Spring Break" width="250" height="374" align="middle" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/8-great-places-to-take-the-family-for-spring-break">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-little-known-ways-to-save-at-disneyland">15 Little Known Ways to Save at Disneyland</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-40-best-budget-friendly-travel-tips-ever">Flashback Friday: 40 Best Budget-Friendly Travel Tips Ever</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-spring-break-destinations-that-wont-break-the-bank">7 Spring Break Destinations That Won&#039;t Break the Bank</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/train-now-for-a-summertime-family-cycling-trip">Train Now for a Summertime Family Cycling Trip</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-to-take-a-frugal-grownup-spring-break">4 Ways to Take a Frugal Grownup Spring Break</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Travel family vacation frugal travel spring break spring break destinations travel budget travel tips Mon, 06 Mar 2017 10:30:37 +0000 Holly Johnson 1902770 at http://www.wisebread.com 6 Reasons You Need to Include Pets in Your Will http://www.wisebread.com/6-reasons-you-need-to-include-pets-in-your-will <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-reasons-you-need-to-include-pets-in-your-will" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-535409412.jpg" alt="Learning reasons to include pets in your will" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Our pets give us love. They share our beds. We even buy them birthday presents. And though you might consider Fido to be a bona fide member of the family, the law has a different perspective. Your dog is your personal property &mdash; no different from your car or the silver china.</p> <p>But unlike your other personal property, there's good reason to include your pet in your estate plan. Here's why your pet deserves a <a href="http://www.wisebread.com/should-you-set-up-a-trust-for-your-child?ref=internal" target="_blank">place in your will</a>.</p> <h2>1. Your Pet Could End Up Lonely, Or Worse</h2> <p>Though pets have shorter life spans than people, many pet owners will die before their animals do. And those who fail to make arrangements for their furry friend's future care take on the risk that their beloved animal could be condemned to an ownerless life in an animal shelter &mdash; or worse. Often, pets without owners are euthanized when there are no immediate options to find them a new home.</p> <h2>2. You Can Designate Funds for Pet Care</h2> <p>Funding is optional, but a future pet care fund is recommended for pet owners who want to ensure that their pet receives a certain quality of care in the event that they're no longer around to see to it themselves. You can designate a fixed amount or a percentage of a bank account, insurance policy, retirement fund, or even a portion of the sale of a home.</p> <p>If you do decide to designate funding for pet care, you need to figure out how much. Consider that pets are more expensive as they age. How long is your pet expected to live? Do you plan to compensate a person or organization to see your pet care wishes through, or are you only interested in setting aside funding for the actual pet care services?</p> <p>It's also important to determine who or what organization will be in charge of the funds. In a pet trust, the person who manages the funds is called the trustee. It's smart to consider a backup trustee in case your first choice becomes unwilling or unable to do the job.</p> <h2>3. You Can Keep Bonded Pets Together</h2> <p>If you have multiple pets that were raised together or developed a close bond, you can save them from the emotional trauma of separation by including instructions to keep them together in your will.</p> <h2>4. You Can Name a Pet Guardian</h2> <p>Sometimes friends or family members vow to take in a cat or parrot in the event of a pet owner's death. Yet many of these informal promises, however well-intentioned, fail to play out as planned. This is why it's beneficial to designate a pet guardian.</p> <p>A pet guardian is any person or organization who will become responsible for your pets and for the task of carrying out your pet care instructions. This can include the role of monitoring any funding set aside for pet care, or you may instead designate a completely different person or organization to assume the role of trustee. If a pet organization assumes the role of pet guardian, you should be sure to include directions about adoption. It's also vital that you research whether the pet organization has a fee for pet guardianship. If it does, you must factor in this fee when deciding how to disburse your funds.</p> <h2>5. You Can Name a Successor Pet Guardian</h2> <p>The goal is to ensure that your pet is cared for when you're no longer around to see to this end yourself. So it only makes sense that a successor pet guardian should be named to take the guardianship duties over in the event that your primary pet guardian becomes unable or unwilling to do the job.</p> <h2>6. A Cautionary Tale: Wild Wishes Could Be Ignored</h2> <p>The instructions you leave for the care of your pet should be sensible and legal. Just because you write it in your will doesn't necessarily mean it will be carried out. In fact, a will cannot enforce far-fetched demands when there's no one willing or legally able to uphold them. At its core, estate planning is solely intended to distribute property. Wild wishes can be ignored.</p> <p>In perhaps the most extreme cautionary tale, billionaire real estate heiress Leona Helmsley famously left 12 million dollars for the care of her white Maltese, Trouble. &quot;I direct that when my dog, Trouble, dies, her remains shall be buried next to my remains in the Helmsley mausoleum,&quot; Helmsley wrote in her will. But very few of the instructions she left in her will were followed. Millions of dollars that Helmsley intended to be spent on the dog went to other purposes because she never specified how all of the money should be spent, and the cemetery where Helmsley was buried refused to ignore a legal policy that forbids the interring of nonhuman remains at human cemeteries.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/6-reasons-you-need-to-include-pets-in-your-will">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-affordable-alternatives-to-pet-boarding">5 Affordable Alternatives to Pet Boarding</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/wise-bread-reloaded-watch-these-adorable-puppy-and-kitten-videos-and-learn-how-to-care-for-your-own">Wise Bread Reloaded: Watch These Adorable Puppy and Kitten Videos and Learn How to Care for Your Own, Frugally</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-money-lessons-you-can-learn-from-your-pets">6 Money Lessons You Can Learn From Your Pets</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-fair-way-to-split-up-your-familys-estate">The Fair Way to Split Up Your Family&#039;s Estate</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-collars">The 5 Best Pet Collars</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Family cat dog family members family pet last will and testament pet care pets will Thu, 02 Mar 2017 10:30:33 +0000 Brittany Lyte 1901228 at http://www.wisebread.com 4 Reasons to Add Your Teen as an Authorized User on Your Credit Card http://www.wisebread.com/4-reasons-to-add-your-teen-as-an-authorized-user-on-your-credit-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-reasons-to-add-your-teen-as-an-authorized-user-on-your-credit-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-501708788.jpg" alt="A teen getting added as authorized user on a credit card" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Giving your kid access to your credit card account might make you squirm, but there are some good reasons to do it. Teens need to be educated about credit before they leave the nest and get their own credit cards. While you could just hand them your credit card whenever they want to make a purchase, there are extra benefits to making them an authorized user on your account.</p> <p>An authorized user gets a card in their own name and can make purchases just like the primary user on the account. However, only the primary user is responsible for paying the charges. That sounds scary but there are ways to handle the situation so that your child gets the most from it without landing you in debt. (See also: <a href="http://www.wisebread.com/what-you-need-to-know-about-adding-another-user-to-your-credit-card?ref=seealso" target="_blank">What You Need to Know About Adding Another User to Your Credit Card</a>)</p> <p>Let's look at the notable benefits that come with making your child an authorized user on your account.</p> <h2>1. Lessons on Credit and Debt</h2> <p>Teenagers may not really understand what credit is until they experience it firsthand. By introducing teenagers to credit early on, they can gain an understanding of what it means to owe someone money &mdash; and that every dollar spent must be paid back. They'll also learn about credit card interest this way, and how not paying your balance in full means owing more money over time.</p> <p>To make this lesson effective, you'll need to establish with your teen that they are responsible for paying the charges they make and any interest they incur. If you simply pay for all their purchases, they'll learn very little about responsible credit card use.</p> <p>For example, your teen might use their authorized user card for new clothes at the mall without a care in the world. When the bill arrives, however, if you have made it clear that they will have to pay for the charges, they'll be forced to face the consequences of their spending.</p> <p>If they've kept the cash on hand to pay their bill, they can be proud of that accomplishment. If not, they'll learn what it means to carry a balance and pay interest. And when those $49 jeans end up costing $61, they might feel the pain of their decisions in a way no other method of learning can convey. (See also: <a href="http://www.wisebread.com/13-things-to-teach-your-kids-about-credit-cards?ref=seealso" target="_blank">13 Things to Teach Your Kids About Credit Cards</a>)</p> <h2>2. Lessons in Budgeting</h2> <p>The example above presents a great way to introduce kids to another adult concept &mdash; <a href="http://www.wisebread.com/11-budgeting-skills-everyone-should-master?ref=internal" target="_blank">budgeting</a>. Whether they're buying clothes at the mall or hitting the movies with friends, they should learn how to budget their money so they can pay their bill when it comes due.</p> <p>If a teenager charges on their card often enough &mdash; and sees that bill roll in time after time &mdash; they'll get used to the fact they need to keep enough money handy to cover their purchases.</p> <p>This lesson can carry through to nearly every aspect of their lives as they become adults. They'll need the money in the bank to cover the mortgage or rent payments one day, for example. They can start developing good habits early by learning to anticipate bills and creating a budget that works with the amount of money they earn, whether it's through an allowance or a part-time job. (See also: <a href="http://www.wisebread.com/7-important-lessons-frugal-parents-teach-their-children?ref=seealso" target="_blank">7 Important Lessons Frugal Parents Teach Their Children</a>)</p> <h2>3. Emergency Spending</h2> <p>If you're not too keen on handing your kids cash every day, making them an authorized user on your credit card is a smart alternative. With a credit card for emergencies, your teen may be less likely to waste your &quot;emergency money&quot; on a frivolous purchase. After all, a credit card will create a paper trail that shows parents where that money was spent.</p> <p>And since emergencies can happen at any time, it's nice to know your kids will have money in the form of a credit card if they end up in a pickle.</p> <h2>4. Credit Building</h2> <p>Perhaps the most important reason to add your child as an authorized user is to help them <a href="http://www.wisebread.com/building-a-credit-history?ref=internal" target="_blank">build a credit history</a>. As an authorized user, the action on your credit card account will likely be reported to <em>your teen's credit report</em>. Assuming you use the card responsibly and keep the balance low, your teen will benefit from <em>your </em>good habits and, over time, earn a good credit score. That foundation can give them a leg up in the financial world for years to come.</p> <p>Of course, adding your child as an authorized user is just the first step. Once they get old enough, they can apply for their own <a href="http://www.wisebread.com/the-5-best-credit-cards-for-college-students?ref=internal" target="_blank">student credit card</a> that can help them approach credit use with baby steps.</p> <h2>Adding Your Teen: What to Watch Out For</h2> <p>While adding a teen as an authorized user to your credit card account is certainly beneficial for them, that doesn't mean it's risk-free for the primary cardholder &mdash; you. As the account owner, you'll be responsible for any charges your teenager racks up &mdash; and that's true whether they make a good-faith effort to repay or not.</p> <p>One way to prevent a catastrophe is to set a spending limit on your teen's authorized user card. With a spending cap in place, their card will be denied if they try to charge more than their limit allows. Unfortunately, only a few cards &mdash; most of them American Express cards &mdash; allow you to have a separate spending limit for an authorized user.</p> <p>Worried you won't be able to keep track of your purchases and theirs? One strategy that can keep things straight is to add your child as an authorized user on a credit card you rarely use. That way, their purchases won't become intermingled with yours and you can easily track what they spend and how much they owe.</p> <p>You can also keep a running tab on what's going on with your card by creating phone or email alerts for every time your account is used.</p> <p>Whatever you do, make sure to set rules in writing, so they're crystal clear. Let your kid know exactly what they're allowed to purchase, how much they can spend, and how repayment will work. If they appear to be getting in over their head, take the card away from them.</p> <p>Some children need to gain more maturity before handling credit, and there's no sense harming both of your credit records. In those cases, getting them a <a href="http://www.wisebread.com/5-best-prepaid-debit-cards?ref=internal" target="_blank">prepaid debit card</a> may be a good interim measure for teaching them about budgeting. Prepaid cards don't help them build credit, but they can't hurt anyone's credit record, either.</p> <p>Whichever way you go, it's important to start teaching your kids early about credit, debt, and bill paying. Your kids will be adults before you know it. Let them learn about money while they're still under your guidance, and they might not have to learn every lesson the hard way. (See also: <a href="http://www.wisebread.com/4-signs-you-are-teaching-your-kids-bad-financial-habits?ref=seealso" target="_blank">4 Signs You're Teaching Your Kids Bad Financial Habits</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/4-reasons-to-add-your-teen-as-an-authorized-user-on-your-credit-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-reasons-the-easter-bunny-should-give-money-instead-of-candy">8 Reasons the Easter Bunny Should Give Money Instead of Candy</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/building-a-credit-history">Building a Credit History</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-frugal-living-skills-i-wish-my-parents-would-have-taught-me">8 Frugal Living Skills I Wish My Parents Would Have Taught Me</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-unexpected-benefits-of-secured-credit-cards">5 Unexpected Benefits of Secured Credit Cards</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-fun-games-that-teach-your-kids-about-money">6 Fun Games That Teach Your Kids About Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Family authorized users budgeting building credit credit history emergency spending kids money lessons teens Thu, 02 Mar 2017 10:30:27 +0000 Holly Johnson 1900236 at http://www.wisebread.com How to Help Your Kid Build Their First Budget http://www.wisebread.com/how-to-help-your-kid-build-their-first-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-help-your-kid-build-their-first-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-185090450.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>Teenagers need guidance to build their first budget. But with sporting events, extracurriculars, and homework to worry about, it can be easy for parents to let budgeting skills fall through the cracks. And if you were never taught how to budget by your own parents, you might not know how to teach your children this skill.</p> <p>Helping your teenage child create a budget does not have to be overwhelming or time consuming. The important thing is to be proactive and consistent as you teach your teen how to handle money in the real world.</p> <h2>Offer a Monthly Allowance<strong> </strong></h2> <p>Providing a monthly allowance will help your child recognize the importance of long-term money planning. If they blow the entire month's worth of allowance in the first weekend, they'll learn an important lesson in delaying gratification. The most important thing you can do is be consistent about paying the allowance each month, and refuse to bail your child out of a problem if they use up their money before the month is over.</p> <p>If your teenager also decides to take a job, consider that a supplement to their allowance, rather than a substitute. Just as you would hate to see your initiative at work penalized by a reduction in pay, your child would hate to see their allowance docked just because they're showing initiative in getting a job.</p> <h2>Require Them to Take Over Some Necessary Spending</h2> <p>Many parents allow their teens to use their allowance and salary as pocket money. While there's nothing wrong with letting your kid have fun money, a big part of budgeting is making sure you have enough money to cover fixed bills. You can help your teenager learn to do this by asking them to take over a necessary bill.</p> <p>For example, you could ask them to cover a portion of the family cell phone plan, or their portion of the automobile insurance. Learning to pay these bills on time will give your teen an important first taste of what it will be like to pay their own way as an adult.</p> <h2>Create Targeted Savings Accounts<strong> </strong></h2> <p>It's likely that your child has some big goals for the future, whether that's going to a private college or buying a car. You can show them that they can achieve these financial goals through targeted savings accounts.</p> <p>Many banks allow you to create several targeted accounts, each with its own nickname. You can help your teen set up a few of these targeted savings accounts and encourage them to transfer some of their allowance or salary into the accounts when they get paid. They'll learn the importance of paying themselves first, and that consistent savings adds up. (See also: <a href="http://www.wisebread.com/build-savings-faster-with-a-multiple-account-strategy?ref=seealso" target="_blank">Build Savings Faster With a Multiple Account Strategy</a>)</p> <h2>Help Them Track Their Spending</h2> <p>Financial tracking is a necessary part of creating a healthy budget. They should know where their money is going each month, and whether those expenses were worthwhile. If they discover they're spending a good portion of their allowance on going to the movies, introduce options to them, like discounted movie passes or skipping the popcorn, soda, and snacks while there. Remind them to spend their money consciously.</p> <h2>Have Regular Budget Meetings</h2> <p>Plan on checking in at least once every two or three months to see how their finances are faring. They should get into the habit of reviewing how they've spent their money and whether those expenditures align with their goals. This will set your teen up to regularly review their budget on their own, and one day have regular budget meetings with their spouse.</p> <h2>Teach Your Children Well</h2> <p>Budgeting is the cornerstone of financial health, but knowing how to budget is hardly intuitive. Spending can easily become automatic and savings be pushed to the back burner. By getting your teen used to reviewing their finances and planning for their future, you're creating a powerful habit that will guide them wisely for the rest of their lives.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/how-to-help-your-kid-build-their-first-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-fun-books-that-will-get-your-kids-excited-about-money">10 Fun Books That Will Get Your Kids Excited About Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-unexpected-ways-stay-at-home-parents-save-big">7 Unexpected Ways Stay-at-Home Parents Save Big</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-frugal-living-skills-i-wish-my-parents-would-have-taught-me">8 Frugal Living Skills I Wish My Parents Would Have Taught Me</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/24-tips-for-having-a-baby-without-going-broke">24 Tips for Having a Baby Without Going Broke</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Family allowances budget meetings family kids saving money savings accounts teenagers tracking spending Thu, 16 Feb 2017 11:00:09 +0000 Emily Guy Birken 1889843 at http://www.wisebread.com A Simple Guide to Planning For a Loved One's Long-Term Care http://www.wisebread.com/a-simple-guide-to-planning-for-a-loved-ones-long-term-care <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/a-simple-guide-to-planning-for-a-loved-ones-long-term-care" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-179165125.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>As we get older, so do our parents and other loved ones. In some cases, that may mean they'll require long-term care, especially if they fall ill. When this happens, families are faced with a tough decision: hand over the reins to a nursing facility, or manage their care from the comfort of their homes. There's no shame in either decision. But there are several important things to consider when planning for long-term care.</p> <h2>Weigh Your Options Well Ahead of Time</h2> <p>Perhaps the most vital part of planning for long-term care is that you're well prepared. Making hasty decisions on how to provide your loved one with the care they'll need when they're no longer able to care for themselves will not only be stressful for you, but also for them. You'll want to make sure your loved one is provided with the quality of life they deserve. Certainly, ailments can befall your loved one unexpectedly that will require quick decision making, but if you can help it at all, it's best to investigate your options before you're faced with a crisis. That way, you can enter the situation with a clear head, prepared to make the right choices.</p> <h2>Discuss Insurance Options With Your Loved One<strong> </strong></h2> <p>Talking about long-term care with your loved one, especially a parent, is not an easy conversation. But as difficult as it may be, it's necessary. There are financial implications to consider, which will be somewhat lessened (hopefully) with insurance.</p> <p>Jeff Salter is the CEO and founder of Caring Senior Service, a national in-home care service, and he suggests planning a discussion about insurance options, including what your loved one may already have, and what you both may need moving forward.</p> <p>Long-term care insurance can still be expensive in and of itself, and costs only increase with age. Many advise that people purchase a plan in their 50s before any major medical issues arise &mdash; and even then, it's not cheap. For example, the American Association for Long-Term Care Insurance estimates an insurance policy offering $164,000 in immediate coverage would cost a healthy, 55-year-old male approximately $1,060 a year. A healthy female of the same age could expect to pay approximately $1,390 a year for the same coverage. The sooner you can lock into one of these policies, the better. (See also: <a href="http://www.wisebread.com/is-long-term-care-insurance-worth-it?ref=seealso" target="_blank">Is Long Term Care Insurance Worth It?</a>)</p> <h2>Find Alternative Ways to Pay Without Insurance<strong> </strong></h2> <p>In the worst-case scenario, you don't have the option of long-term care insurance. This can be a daunting prospect, but it's not the end of the world. Salter suggests two solutions that will provide monthly income that can go toward the cost of care.</p> <p>The first is cash value for life insurance, which is essentially the cash amount offered to the policy owner by the issuing life carrier upon cancellation of the contract.</p> <p>The second is taking out a reverse mortgage on the elderly family member's house.</p> <p>&quot;With [the second] option, seniors can remain at home while receiving monthly income that goes toward all of the healthcare-related expenses,&quot; he says. &quot;There are no ongoing costs, and seniors cannot be forced to leave their homes should they outlive the payments from the loan.&quot; (See also: <a href="http://www.wisebread.com/how-to-avoid-getting-scammed-with-a-reverse-mortgage?ref=seealso" target="_blank">How to Avoid Getting Scammed With a Reverse Mortgage</a>)</p> <h2>4. Consider the Cost of Home Modification<strong> </strong></h2> <p>When your loved one falls ill, it may limit their ability to function as they once did. This could mean that they're confined to a single floor in the home. Third-party care facilities take these safety measures into account for limited-mobility patients, but if you're providing long-term care in your own residence, you may need to outfit the home so it's more elderly-friendly.</p> <p>&quot;If the decision is to have the long-term care in the current residence, the family might need to plan for modifications to the home for either specialized medical equipment or for access issues around bathrooms, kitchens, and getting in and out of the house,&quot; explains John Bodrozic, co-founder of HomeZada, which specializes in digital home management. &quot;These could be things like ramps for wheelchairs, bathtubs with access doors, nonslip flooring, and other modifications, depending on the occupant's specific needs.&quot;</p> <h2>5. Factor in Home Maintenance<strong> </strong></h2> <p>If the care of your loved one takes place in their own residence &mdash; whether by you, another loved one, or hired help &mdash; it's keen to remember that someone will be tasked with maintaining the property for hygiene, safety, and resale value reasons.</p> <p>&quot;Things like cleaning leaves from gutters, replacing smoke detector batteries, and changing air filters are simple tasks, but usually require ladders. It's not suitable for people with long-term medical issues to handle these tasks,&quot; Bodrozic says.</p> <p>You may be able to handle these tasks on your own, but if these are projects that you plan to farm out to hired help, you'll need to include the costs in your monthly care budget.</p> <h2>6. Let a Professional Help You<strong> </strong></h2> <p>If you don't know what you're doing with regards to long-term care, don't freak out &mdash; you're not alone. Most people who are faced with this situation are first-timers are who overwhelmed with not only accepting the fate of a loved one, but trying to accommodate them as best as possible so they can live out their days in comfort.</p> <p>Daniel Sagal is a senior living adviser at Los Angeles-based Total Senior, which focuses on health care planning and services for seniors. If you don't think you're equipped to make the best decision, or you're having trouble coming to grips with it all, he suggests consulting someone who can help you through it, like a senior care adviser or care manager. Some services are free while others require fees, he says, but both will typically help families navigate the options for senior care.</p> <h2>7. Beware of Scams<strong> </strong></h2> <p>Like a lot of industries, there are people out there gunning to take advantage of you, and it's not terribly hard to become a victim of a scam when your emotions are already on the fritz.</p> <p>Sagal explains.</p> <p>&quot;...Before providing your information or allowing someone to guide you to senior care options, be sure to do your research. Look at their online reviews, make sure they have a credible website with real information/content, ask for references, and check around with health care professionals.&quot;</p> <p>Doing your due diligence now can ensure a more comfortable situation for everyone later.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/a-simple-guide-to-planning-for-a-loved-ones-long-term-care">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-ease-your-parents-into-assisted-living">6 Ways to Ease Your Parents Into Assisted Living</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-fair-way-to-split-up-your-familys-estate">The Fair Way to Split Up Your Family&#039;s Estate</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-much-should-your-kids-know-about-your-finances">How Much Should Your Kids Know About Your Finances?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-support-your-broke-parents">How to Support Your Broke Parents</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-manage-your-money-during-a-spousal-separation">How to Manage Your Money During a Spousal Separation</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Family advisers caregivers elderly health care home care life insurance long-term care nursing homes parents relatives seniors Tue, 14 Feb 2017 10:30:32 +0000 Mikey Rox 1889845 at http://www.wisebread.com 5 Money Strategies for the Sandwich Generation http://www.wisebread.com/5-money-strategies-for-the-sandwich-generation <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-money-strategies-for-the-sandwich-generation" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-77931648.jpg" alt="Sandwich generation learning smart money strategies" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Generation X is commonly called the sandwich generation for two reasons. First, they are sandwiched between the Millennials and the Baby Boomers, both groups that seem to hog media coverage &mdash; and marketing budgets. More importantly, many Gen Xers face the modern problem of caring for their elderly parents while still also caring for their own children. (See also: <a href="http://www.wisebread.com/6-ways-the-sandwich-generation-can-get-ahead?ref=seealso" target="_blank">6 Ways the Sandwich Generation Can Get Ahead</a>)</p> <p>Being in the sandwich generation can be stressful and financially draining. Here are five strategies to stay financially afloat if you're caring for others.</p> <h2>1. Talk Openly About Finances</h2> <p>Whether your elderly parents live with you or not, it is important to know where they stand financially. For families that didn't grow up talking about money, this might feel awkward. However, it is important for you to be prepared to assume financial responsibility if anything were to happen.</p> <p>Of course, it is best to have this talk with a certified financial planner and estate attorney, as well. There are a lot of financial matters to discuss.</p> <ul> <li>Who has <a href="http://www.wisebread.com/what-is-power-of-attorney" target="_blank">power of attorney</a>?<br /> &nbsp;</li> <li>Where will the funds for your parents' care come from?<br /> &nbsp;</li> <li>Should your parents be receiving veterans' benefits or Medicaid assistance?<br /> &nbsp;</li> <li>Do your parents have any investments, and are they making the best rate of return on them?<br /> &nbsp;</li> <li>Do your parents have <a href="http://www.wisebread.com/is-long-term-care-insurance-worth-it" target="_blank">long-term care insurance</a> or enough retirement savings to cover care costs?</li> </ul> <h2>2. Utilize Special Savings Accounts</h2> <p>Money will be tight when you are caring for your parents and children at the same time, but don't neglect saving accounts. Contribute as much as you can to your retirement account and even look into a 529 plan for future college costs.</p> <p>Many employers offer flexible spending accounts (FSAs), which allow you to contribute up to $2,500 into a health account and dependent care account. If both you and your spouse are employed, then you might both be eligible to contribute $2,500, for a combined $5,000. This money can be used for your own medical costs, your kids' medical costs and care needs, and your elderly parents' medical and care needs, if they are declared as your dependents.</p> <p>An elderly parent can be financially taxing, but don't let that cause you to avoid saving for your retirement or your child's college. You don't want to be stuck in a financial black hole once your elderly loved one is gone.</p> <h2>3. Get Tax Benefits</h2> <p>If you do declare a parent as a dependent, make sure you get all of the possible tax benefits. Talk with a tax specialist about getting special deductions for medical home improvements, medical expenses, and care expenses.</p> <h2>4. Prioritize the Budget</h2> <p>Take a look at your budget and see what can be cut or put on hold. You might have to move to a more affordable area or forgo family vacations for a few years. Being in the sandwich generation will take sacrifice, but if you can survive this time without incurring debt, then you will stay financially afloat.</p> <p>If you need extra money, try to sell unwanted or unneeded items. Every little bit helps. If either your child or parent is capable of earning some money with a part-time position, this can help too. A teenager can get a job and take over their cellphone or car payments, and your parent can help contribute to the grocery budget. Even if this only adds up to an extra $100 a month, it can still create a little bit of breathing room.</p> <h2>5. Ask Other Family Members for Help</h2> <p>An aging parent shouldn't fall on the shoulders of just one person. Siblings and other able family members should help financially and physically. Have a serious talk with your other siblings and family members about contributing. If they cannot contribute financially, then they should be able to watch or care for an elderly parent at least a few hours a month to give you a break.</p> <p>Don't try to balance the weight of aging parents and children alone. Start by talking with a financial adviser, who can help put your finances in order and point you to free resources. It can also help to seek advice from peers who have gone through or are going through the same situation.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/5-money-strategies-for-the-sandwich-generation">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-the-sandwich-generation-can-get-ahead">6 Ways the Sandwich Generation Can Get Ahead</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-tax-mistakes-new-parents-make">4 Tax Mistakes New Parents Make</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-millennial-money-habits-every-retiree-should-learn">6 Millennial Money Habits Every Retiree Should Learn</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/its-the-21st-century-why-is-your-money-stuck-in-the-20th">It&#039;s the 21st Century — Why Is Your Money Stuck in the 20th?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-ways-to-entertain-your-child-for-free-or-cheap">25 Ways to Entertain Your Child for Free or Cheap</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family aging parents baby boomers children dependents generation x household millennials money advice sandwich generation Mon, 13 Feb 2017 11:00:07 +0000 Ashley Eneriz 1884961 at http://www.wisebread.com The 5 Best Infant Nail Clippers http://www.wisebread.com/the-5-best-infant-nail-clippers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-infant-nail-clippers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/baby_nail_trim_611867958.jpg" alt="Mom using best infant nail clippers on a baby" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you're nervous about clipping your baby's nails, then infant nail clippers can help you complete the task quickly and safely. The right baby nail clippers can help you avoid mistakes and keep your infant's nails at the optimal length.</p> <h2>What Are Infant Nail Clippers?</h2> <p>Infant nail clippers are hand tools that can trim your baby's tiny fingernails. The handy little grooming tools are unique because they are specially designed for small fingers. (See also: <a href="http://www.wisebread.com/the-5-best-nail-clippers?ref=seealso">The 5 Best Nail Clippers</a>)</p> <h2>Top 5 Infant Nail Clippers</h2> <h3>The First Years American Red Cross Deluxe Nail Clipper</h3> <p><a href="http://amzn.to/2kkCPzp"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/american%20red%20cross.jpg" width="245" height="169" align="right" alt="" /></a>Amazon's #1 best-seller in baby nail care, <a href="http://amzn.to/2kkCPzp">The First Years American Red Cross Deluxe Nail Clipper</a> with foldaway magnifier can make it easier to trim tiny nails. The removable magnifier magnifies four times to ensure you can see exactly what you're clipping with less eyestrain. The plastic and stainless steel deluxe nail clipper features precision, stainless steel blades and an ergonomic shape for enhanced grip. This is an Amazon's Choice product and has outstanding online reviews, including nearly 600 five-star reviews on Amazon. It is an officially licensed product of the American Red Cross and is recommended by Diapers.com.</p> <p><a href="http://amzn.to/2kkCPzp"><em>Currently $2.79 on Amazon</em></a></p> <h3>Safety 1st Sleepy Baby Nail Clipper</h3> <p><a href="http://amzn.to/2liRAa1"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/safety%201st.jpg" width="220" height="207" align="right" alt="" /></a>If you like to trim your baby's nails while they nap for a quick, no-fuss experience, then the <a href="http://amzn.to/2liRAa1">Safety 1st Sleepy Baby Nail Clipper</a> is perfect for you. It has a built-in LED light at the tip with battery-saving auto shut-off, so you can safely clip your baby's nails while they sleep. It features a large ergonomic soft touch nonslip handle and curved cutting edges to perfectly fit around tiny fingers. It also includes an emery board slot and emery board to smooth any sharp nail edges. This is recommended by Diapers.com and has more than 400 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2liRAa1"><em>Currently $4.75 on Amazon</em></a></p> <h3>Summer Infant Nail Clipper</h3> <p><a href="http://amzn.to/2kpVjkx"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/summer%20infant.jpg" width="245" height="181" align="right" alt="" /></a>The <a href="http://amzn.to/2kpVjkx">Summer Infant Nail Clipper Set</a> includes infant and adult size nail clippers, so you can get quality clippers for the whole family. The handles have soft hold for comfort, allowing you to maintain a steady grip. The standard adult nail clipper has a handle that rotates 360 degrees for better control. The infant nail clipper has a rounded tip for safety and is the perfect size for tiny fingers. The clippers are recommended by Diapers.com and have outstanding online reviews.</p> <p><a href="http://amzn.to/2kpVjkx"><em>Currently $2.40 on Amazon</em></a></p> <h3>Piyo Piyo Yellow Baby Nail Scissors</h3> <p><a href="http://amzn.to/2lmdhlx"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/piyo%20piyo.jpg" width="245" height="168" align="right" alt="" /></a>If you prefer tiny scissors to traditional clippers, then the <a href="http://amzn.to/2lmdhlx">Piyo Piyo Yellow Baby Nail Scissors</a> are perfect for you. The durable stainless steel blades have a slight curve, so you can prevent accidents by making one smooth, even cut. The balanced handle design makes these comfortable for use by both right- and left-handed parents. Most reviewers agree that these are easier to use than traditional clippers. They are available in three different colors and include a protective cover. They are recommended by Diapers.com and have more than 900 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2lmdhlx"><em>Currently $7.49 on Amazon</em></a></p> <h3>Fridababy NailFrida the SnipperClipper Set</h3> <p><a href="http://amzn.to/2kLODhB"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/fridababy.jpg" width="127" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2kLODhB">Fridababy NailFrida SnipperClipper Set</a> includes nail clippers and a nail file to safely and effectively trim and smooth tiny nails. It features a safety spy hole so that you can see exactly what you're clipping and don't accidentally cut into the nail bed. It also has scissor-like curved blades to cut nails smoothly with minimal effort. The curved S-file follows the nail contours to smooth sharp edges quickly and easily. The set has outstanding reviews and is frequently recommended online.</p> <p><a href="http://amzn.to/2kLODhB"><em>Currently $11.90 on Amazon</em></a></p> <p>And those are our recommendations for the best infant nail clippers. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-infant-nail-clippers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-nail-clippers">The 5 Best Pet Nail Clippers</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-collars">The 5 Best Pet Collars</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-nail-clippers">The 5 Best Nail Clippers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-medications">The 5 Best Pet Flea Medications</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-cameras">The 5 Best Pet Cameras</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Shopping 5 best baby infant nail clippers nail clippers nail trim product reviews shopping Wed, 08 Feb 2017 10:00:16 +0000 Andrea Cannon 1888606 at http://www.wisebread.com The 5 Best Pet Nail Clippers http://www.wisebread.com/the-5-best-pet-nail-clippers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-pet-nail-clippers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/dog_nail_trimmer_506541297.jpg" alt="Dog getting nails trimmed by best nail clipper" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Trimming your pet&rsquo;s nails should be a regular part of the grooming process. Keeping their nails regularly groomed can help prevent pain and injury to your beloved pet. It can also help your pet walk more comfortably and prevent scratches on your floor and furniture. By trimming their nails at an early age, you can accustom your pet to the experience, so they don&rsquo;t squirm as much going forward.</p> <h2>What Are Pet Nail Clippers?</h2> <p>Pet nail clippers are hand tools that allow you to safely trim your pet&rsquo;s nails at home. By taking advantage of safe, professional grooming at home, you can save a lot of money at the groomer.</p> <p>Nail trimmers should be sharp, feel comfortable in your hand, and be the right size for your pet. If you don&rsquo;t have a steady hand or feel nervous that you may cut too deep with nail trimmers, consider one of the grinding grooming tools listed below instead.</p> <h2>Top 5 Pet Nail Clippers</h2> <h3>Safari Professional Nail Trimmer</h3> <p><a href="http://amzn.to/2jABffc"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/safari.jpg" width="217" height="220" align="right" alt="" /></a>The <a href="http://amzn.to/2jABffc">Safari Professional Nail Trimmer</a> works just as well for small cats as it does for large dogs. It features locking blades, an adjustable safety stop to prevent injury, and rubber-coated handles for easy, comfortable gripping. The sharp, durable, long-lasting cutting edge is made from the finest quality stainless steel to ensure clean cuts.</p> <p>They work like scissors to make nail trimming and maintenance effortless, even for large, thick nails. It comes in a range of sizes, so you can pick the best one for your pet&rsquo;s size. It is recommended by the American Kennel Club and has outstanding online reviews, including more than 3,100 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2jABffc"><em>Currently $8.69 on Amazon</em></a></p> <h3>Epica Professional Pet Nail Clipper</h3> <p><a href="http://amzn.to/2jppRRm"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/epica_0.jpg" width="163" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2jppRRm">#1 Best Professional Pet Nail Clipper from Epica</a> is easy and safe to use. The durable, heavy-duty spring action clippers have rubber coated handles for a comfortable, secure nonslip grip. It also has a safety edge to prevent over-cutting and a standard safety lock for safe storage. The top quality rugged stainless steel, tempered shears offer long-lasting sharpness and won't bend, scratch, or rust. It offers precise, even cutting with no jagged edges or splintering.</p> <p>They work like scissors to make nail trimming and maintenance effortless, even for large, thick nails. It comes in two different sizes, so you can pick the best one for your pet&rsquo;s size. It is recommended by the American Kennel Club and has outstanding online reviews, including more than 2,100 five-star reviews on Amazon. It is also backed by a 100% lifetime warranty for your added peace of mind.</p> <p><a href="http://amzn.to/2jppRRm"><em>Currently $9.50 on Amazon</em></a></p> <h3>Dremel Pet Nail Grooming Tool</h3> <p><a href="http://amzn.to/2iL6ccr"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/dremel.jpg" width="171" height="245" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in dog claw care, the <a href="http://amzn.to/2iL6ccr">Dremel Pet Nail Grooming Tool</a> is the perfect solution if you want an alternative to clipping your dog&rsquo;s or cat&rsquo;s nails. The rotary tool offers light duty performance to gently grind away long nails quickly, safely, and painlessly. Two rotation speeds allow you to customize it to your pet&rsquo;s comfort level. It offers cordless operation using a rechargeable and removable battery pack for optimum control.</p> <p>It may take some time for your pet to get used to the vibrating sensation of this device. The grinding process also takes a bit longer than the clipping process, but it helps ensure that you never clip too far down. This is recommended by the American Kennel Club and has outstanding online reviews, including nearly 2,000 five-star reviews on Amazon. It is also backed by a two-year warranty for your added peace of mind.</p> <p><a href="http://amzn.to/2iL6ccr"><em>Currently $24.23 on Amazon</em></a></p> <h3>Boshel Dog Nail Clippers</h3> <p><a href="http://amzn.to/2iKZe7g"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/boshel.jpg" width="220" height="220" align="right" alt="" /></a>The <a href="http://amzn.to/2iKZe7g">Dog Nail Clippers and Trimmer By Boshel</a> works well for both dogs and cats. The protective safety guard and heavy-duty, sharp stainless steel cutting edge allow you to trim your pet&rsquo;s nails cleanly and quickly. The ergonomic design and comfortable nonslip handles allow you to apply the perfect amount of force, without fear of accidentally slipping and hurting your pet during grooming. There is also an integrated safety stop blade, which serves as a quick sensor to prevent over-cutting the nails. It also comes with a free nail file, which stores compactly in the handle of the clipper, to ensure there are no jagged edges.</p> <p>This works like scissors to make nail trimming and maintenance effortless, even for large, thick nails. The blade will stay sharp for years to provide you with the best value possible. It is recommended by the American Kennel Club, as well as by countless animal trainers, veterinarians, and professional pet groomers. It also has outstanding online reviews, including more than 900 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2iKZe7g"><em>Currently $12.99 on Amazon</em></a></p> <h3>Pedi Paws Dog Nail Grinder by BulbHead</h3> <p><a href="http://amzn.to/2iL0qYr"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/pedi%20paws.jpg" width="220" height="220" align="right" alt="" /></a>The <a href="http://amzn.to/2iL0qYr">Pedi Paws Dog Nail Grinder by BulbHead</a> is an As Seen On TV item that actually works. The precision emery filing wheel gently removes thin layers of the nail, so it won&rsquo;t cut sensitive nerves like nail clippers can. The unique protective cap allows only the perfect amount of nail to be removed and traps clipped filings so there is no mess. The quiet cordless trimmer is fast, easy, gentle to use, and won&rsquo;t crack, splinter, or break your pet&rsquo;s nails.</p> <p>This is ideal for calm cats and dogs as the buzzing sound can scare pets. It may take some time for your pet to get used to the vibrating sensation of this device. The grinding process also takes a bit longer than the clipping process, but it helps ensure that you never clip too far down. The battery-powered grinder is recommended by Consumer Search and the American Kennel Club.</p> <p><a href="http://amzn.to/2iL0qYr"><em>Currently $25.35 on Amazon</em></a></p> <p>And those are our recommendations for the best pet nail clippers. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-pet-nail-clippers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-infant-nail-clippers">The 5 Best Infant Nail Clippers</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-deep-conditioners">The 5 Best Deep Conditioners</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-callus-removers">The 5 Best Callus Removers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-face-peels">The 5 Best Face Peels</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-dandruff-shampoos">The 5 Best Dandruff Shampoos</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Health and Beauty Shopping 5 best nail clipper nail trim nail trimmer pet nail clipper product reviews shopping Thu, 19 Jan 2017 10:00:11 +0000 Andrea Cannon 1876852 at http://www.wisebread.com 10 Fun Books That Will Get Your Kids Excited About Money http://www.wisebread.com/10-fun-books-that-will-get-your-kids-excited-about-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-fun-books-that-will-get-your-kids-excited-about-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-597659170.jpg" alt="your kids will love these books about money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Chances are, you want your child to be financially wise, but every time you start to talk about money management or smart spending, your kid conveniently tunes out. Fun books are the perfect way to get your children thinking about money.</p> <p>You don't necessarily need to force your kids to read heavy economic books. Instead, allow them to enjoy and be inspired by these books about saving, giving, and starting businesses.</p> <h2>1. <em>The Berenstain Bears' Dollars and Sense</em> by Stan and Jan Berenstain</h2> <p><a href="http://amzn.to/2i7aviQ" target="_blank">The Berenstain Bears' Dollars and Sense</a> helps teach kids about allowance management. The book has tear-out checks so that kids can practice writing their own. While most of the population uses <a href="http://www.wisebread.com/credit-cards-vs-debit-cards-a-comprehensive-comparison" target="_blank">debit cards and credit cards</a>, writing checks is still something that should be learned.</p> <h2>2.<em> The Berenstain Bears' Money Trouble</em> by Stan and Jan Berenstain</h2> <p><a href="http://amzn.to/2j1dwBl" target="_blank">The Berenstain Bears' Money Trouble</a> features the same lovable bears as they start several businesses to earn money. Starting a business isn't easy, even when it's just a lemonade stand. This book goes through those initial obstacles in a fun way.</p> <h2>3. <em>The Berenstain Bears' Piggy Bank Blessings</em> by Stan and Jan Berenstain</h2> <p><a href="http://amzn.to/2j1fFwW" target="_blank">The Berenstain Bears' Piggy Bank Blessings</a> has an overall religious tone, quoting verses, but the story follows the bears as they save money for a surprise birthday present for their mom. My four-year-old enjoys this one, and I enjoy that the book shows the main characters thinking of others.</p> <p>See also: <a href="http://www.wisebread.com/8-best-sites-to-help-your-kids-learn-about-money?ref=seealso" target="_blank">8 Best Sites to Help Your Kids Learn About Money</a></p> <h2>4. <em>If You Made a Million</em> by David M. Schwartz</h2> <p>Kids throw around &quot;million&quot; without really knowing what it represents. <a href="http://amzn.to/2iw7QSV" target="_blank">If You Made a Million</a> helps children ages seven and older understand the complexity of big numbers in a fun way. While the book was published over two decades ago, it remains a classic, having won the ALA Notable Book and a Reading Rainbow Feature Selection.</p> <h2>5. <em>Prices! Prices! Prices!: Why They Go Up and Down</em> by David Adler</h2> <p>The well-loved author of the Cam Jansen series, David Adler, also happens to be a former math teacher. His book,<a href="http://amzn.to/2iAlvqd" target="_blank"> Prices! Prices! Prices!: Why They Go Up and Down</a> has such fun illustrations and tackles the concepts of supply and demand.</p> <h2>6. <em>Amelia Bedelia Means Business</em> by Herman Parish</h2> <p>Amelia Bedelia is a lovable and quirky character who takes everything literally. There have been many times I have laughed out loud while reading the original Amelia Bedelia series to my daughter, especially when she is told to &quot;dress the turkey&quot; and makes a little suit for the turkey dinner.</p> <p><a href="http://amzn.to/2iAnk6j" target="_blank">Amelia Bedelia Means Business</a> is not written by the original author, but the story still follows the same theme. This one follows a young Amelia Bedelia as she tries to make money, even getting in trouble with the local police.</p> <h2>7. <em>American Girl Library: A Smart Girl's Guide: Money</em> by Nancy Holyoke and Sarah Hunt</h2> <p>American Girl non-fiction titles are both engaging and useful for young girls. <a href="http://amzn.to/2hMVXnq" target="_blank">A Smart Girl's Guide: Money</a> is written in an engaging, magazine-type format. Topics covered are smart shopping tips, making money, and investing. The book includes fun graphics and easy-to-use quizzes.</p> <h2>8. <em>The</em> <em>Babysitter's Club Series</em> by Ann Martin</h2> <p>There might not be any set money lessons in the <a href="http://amzn.to/2iAhDW9" target="_blank">Babysitter's Club Series</a>, but I remember clearly that it helped spark an entrepreneurial spirit in me during my tween years. The idea that a group of teen girls start their own babysitting club had me planning and thinking about doing that myself. While I never started a babysitting club, I still have that entrepreneurial spirit that has allowed me to creatively earn money without a 9-to-5 position. The book series has been redone as a graphic novel, so it will appeal to today's generations.</p> <p>See also: <a href="http://www.wisebread.com/7-frugal-living-skills-you-should-be-teaching-your-children?ref=seealso" target="_blank">7 Frugal Living Skills You Should Be Teaching Your Children</a></p> <h2>9. <em>Rock, Brock, and the Savings Shock</em> by Sheila Bair</h2> <p><a href="http://amzn.to/2j1rmUr" target="_blank">Rock, Brock, and the Savings Shock</a> follows twins whose grandpa offers them a 10-week savings plan. Every dollar they save will be matched. One twin saves his money and has over $500 after 10 weeks, while the other twin spends the money foolishly. Tons of great money lessons in here.</p> <h2>10. <em>Isabel's Car Wash</em> by Sheila Bair</h2> <p>From the same author as the title above,<a href="http://amzn.to/2j1rvqX" target="_blank"> Isabel's Car Wash</a> is about a girl who wanted a doll that cost $10. She decides to start a car washing business, but first needs money for supplies. The book follows her adventure of starting a small business so that she can buy her doll.</p> <p>There are so many wonderful books out there that teach kids important money skills. Look for books that teach children the money basics in a fun way, and also look for books that features the main character acting as an entrepreneur.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/10-fun-books-that-will-get-your-kids-excited-about-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-help-your-kid-build-their-first-budget">How to Help Your Kid Build Their First Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-brilliant-tips-from-smart-mom-rich-mom">4 Brilliant Tips From &quot;Smart Mom, Rich Mom&quot;</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/24-tips-for-having-a-baby-without-going-broke">24 Tips for Having a Baby Without Going Broke</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Entertainment Family budgeting family kids money parenting saving money Spending Money teenagers tweens Mon, 09 Jan 2017 11:00:09 +0000 Ashley Eneriz 1869549 at http://www.wisebread.com The 5 Best Pet Collars http://www.wisebread.com/the-5-best-pet-collars <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-pet-collars" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/dog_wearing_collar_157333376.jpg" alt="Dog wearing best pet collar" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A quality pet collar is an essential item for your dog or cat. You can attach their leash or harness to it, as well as some form of identification, in case your pet ever gets lost.</p> <h2>What Is a Pet Collar?</h2> <p>A pet collar is placed around your pet&rsquo;s neck to keep them safe and serve as a year-round fashion accessory. Collars are available in virtually limitless sizes, styles, and colors.</p> <p>The collar should fit comfortably snug on your pet's neck. To find the right size, measure snugly around the middle of your pet&rsquo;s neck and add an extra 5% for a comfortable fit. As a general rule, you should be able to fit two fingers comfortably underneath the collar. As your pet gets older (and bigger), you&rsquo;ll need to adjust the collar size so they remain comfortable.</p> <h2>Top 5 Pet Collars</h2> <h3>Custom Embroidered Dog Collars</h3> <p><a href="http://amzn.to/2hShxw1" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/custom.jpg" width="245" height="195" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in basic dog collars, the <a href="http://amzn.to/2hShxw1" target="_blank">Custom Embroidered Dog Collar</a> is a personalized identification collar with your pet&rsquo;s name and phone number permanently embroidered into it. The tough nylon collar features a sturdy snap closure style plastic buckle and a stainless steel D-ring swivel clip that is double boxed stitched for added durability. Best of all, if your pet ever gets lost, you&rsquo;ll have the peace of mind that their name and phone number are easily visible to passersby. This is available in five collar colors, 15 thread colors, and allows for up to 25 stitched characters. It is adjustable and available in a range of sizes. It has outstanding online reviews, including more than 2,600 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2hShxw1" target="_blank"><em>Currently $18.95 on Amazon</em></a></p> <h3>LupinePet 1-Inch Adjustable Dog Collar</h3> <p><a href="http://amzn.to/2iFcwnm" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/lupine.jpg" width="245" height="112" align="right" alt="" /></a>The reliable <a href="http://amzn.to/2iFcwnm" target="_blank">LupinePet 1-Inch Adjustable Dog Collar</a> is made of the highest quality jacquard nylon webbing, with strong bar tack stitching. It features the highest quality, strongest side release plastic buckle on the market. The non-slip teeth molded into the nylon plastic tri-glide maintain the collar&rsquo;s size even when your dog pulls. The welded steel D-ring is rust-resistant and the collar can be machine-washed, so it can hold up well over time. This is fully adjustable and available in a range of sizes and colors. It is recommended by Heavy.com and is guaranteed to last your dog&rsquo;s lifetime.</p> <p><a href="http://amzn.to/2iFcwnm" target="_blank"><em>Currently $10.69 on Amazon</em></a></p> <h3>Blueberry Pet Classic Solid Color Nylon Dog Collar</h3> <p><a href="http://amzn.to/2ic6D0c" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/blueberry.jpg" width="245" height="196" align="right" alt="" /></a>The <a href="http://amzn.to/2ic6D0c" target="_blank">Blueberry Pet Classic Solid Color Nylon Dog Collar</a> is made of durable nylon with high-density polyester webbing and a neoprene bottom layer for maximum comfort. It features eco-friendly, heavy-duty plastic buckles and a metal, chrome-coated D-ring. There is also a loop on the logo, which you can attach tags or charms to, instead of to the D-ring, like most other collars. This is available in various sizes and colors. It is recommended by Heavy.com and is made to last.</p> <p><a href="http://amzn.to/2ic6D0c" target="_blank"><em>Currently $8.99 on Amazon</em></a></p> <h3>GoDoggie-GLOW USB Rechargeable LED Dog Safety Collar</h3> <p><a href="http://amzn.to/2ic0Szz" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/godoggie.jpg" width="245" height="164" align="right" alt="" /></a>If you walk your pooch at night, then the <a href="http://amzn.to/2ic0Szz" target="_blank">GoDoggie-GLOW USB Rechargeable LED Dog Safety Collar</a> is an absolute necessity. It looks like a traditional collar, but with the switch of a button, you can turn on the super-bright LED collar lights, allowing you to find your dog quickly in the dark. The innovative premium-quality dog collar can provide greater safety for your pet and peace of mind for you. The lightweight, durable collar is made of top quality, super-strong nylon webbing with high-tensile stitching, an indestructible stainless steel D-ring, and a strong plastic quick-release buckle. It is easy to put on and features glow, rapid flash, and slow flash settings, making your pet visible over 1,000 feet in the dark. The weatherproof collar has rust-proof components, so it works in all weather conditions.</p> <p>This charges quickly via USB and can hold the charge for a long time. The power-saving LED lights last for 100,000 hours, providing a great value. The LED safety collar comes with a USB charging cable and rechargeable lithium-ION battery. It has an enclosed battery case and switch, as well as a protected USB charging port, so it&rsquo;s not exposed to dirt and mud. It is fully adjustable and comes in a range of sizes and colors. It has outstanding online reviews, including more than 1,000 five-star reviews on Amazon. It is also backed by a two-year money-back satisfaction guarantee for your added peace of mind.</p> <p><a href="http://amzn.to/2ic0Szz" target="_blank"><em>Currently $16.99 on Amazon</em></a></p> <h3>PetSafe Petite Martingale Collar With Quick Snap Buckle</h3> <p><a href="http://amzn.to/2hTSWFq" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/petsafe.jpg" width="31" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2hTSWFq" target="_blank">PetSafe Petite Martingale Collar With Quick Snap Buckle</a> offers a safer, more comfortable alternative to a choke collar. It tightens when pressure is applied, reducing the risk of a dog backing out of the collar and escaping. It is made of high-quality, durable nylon and features a quick snap buckle for easy on and off. This is available in a range of sizes and colors. It is recommended by the American Kennel Club and by countless vets and trainers as the best design for daily wear.</p> <p><a href="http://amzn.to/2hTSWFq" target="_blank"><em>Currently $9.09 on Amazon</em></a></p> <p>And those are our recommendations for the best pet collars. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-pet-collars">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-infant-nail-clippers">The 5 Best Infant Nail Clippers</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-nail-clippers">The 5 Best Pet Nail Clippers</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-cameras">The 5 Best Pet Cameras</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-medications">The 5 Best Pet Flea Medications</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-deep-conditioners">The 5 Best Deep Conditioners</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Shopping 5 best dog dog accessories dog collar family dog family pet product reviews shopping Thu, 05 Jan 2017 10:00:15 +0000 Andrea Cannon 1868726 at http://www.wisebread.com Taking a Work Leave? Here's How to Prepare http://www.wisebread.com/5-smart-ways-to-prepare-for-a-job-leave <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-smart-ways-to-prepare-for-a-job-leave" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/father_son_baby_505122600.jpg" alt="Man finding smart ways to prepare for a job leave" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You may be looking to take some time off from work to stay home with your children. Or perhaps you have a new business venture you'd like to get after.</p> <p>Leaving the traditional workforce is something people do for a variety of reasons. I left my 9-to-5 a little over five years ago to stay home with my daughter. It was a big transition, both personally and professionally. I can tell you firsthand, though, that if you're smart about it &mdash; it may be one of the best moves of your life.</p> <h2>1. Make a Budget</h2> <p>If you don't already have a budget, make one &mdash; today. It's incredibly important before you take a job leave to understand how much money you have, where it's going, and how you'll deal once you don't have a steady paycheck coming in. Making a budget can be an enlightening or frightening process, but you definitely want to look before you leap into the financial unknown.</p> <p>To start, write out exactly how much money will be coming in after you leave your job. Then write out how much money goes out between fixed expenses (housing, student loans, car payments, etc.) and variable expenses (groceries, entertainment, clothing, travel). Don't forget big items like health care, either. After that, you can look for opportunities to cut your budget for the big change. (See also: <a href="http://www.wisebread.com/build-your-first-budget-in-5-easy-steps?ref=seealso">Build Your First Budget in Five Easy Steps</a>)</p> <p>While you're at it, try saving as much as you can and building an emergency fund. My husband and I actually spent a good part of the year before I left my job trying to live within the budget we'd need after the baby. Any money we saved in the meantime went directly into our bank account.</p> <h2>2. Get Introspective and Creative</h2> <p>Leaving your job may mean making some pretty tough sacrifices. Maybe you won't be able to buy new cars or go on vacation. Maybe you'll need to stop eating out or even downsize your home. There will likely be days when you will ask yourself: &quot;Why am I doing this again?&quot;</p> <p>Having a long, hard talk with yourself (or several) will help you solidify the motivations for your leave. They will become stronger and stronger in your mind. Sure, you may hit some difficult or tricky times, but if you are passionate about the reason, you'll have the perseverance to continue on and figure out solutions.</p> <p>If you're feeling on the fence about it all, you may want to get creative. Meet with your HR department to explore other opportunities. Maybe you could scale back to working part-time. Maybe your department offers a more flexible schedule. Or maybe there are other jobs in your community that would afford you the time you're looking to gain.</p> <h2>3. Practice, Practice, Practice</h2> <p>After chatting with HR, I discovered that the university where I used to work offered up to eight months of unpaid child care leave. Before I decided to quit my job for good, I let my boss know that I wanted to take the maximum amount of leave. During this time off, our family continued to practice what life would be like &mdash; and what our budget would be like &mdash; without my paycheck. It wasn't a totally easy transition.</p> <p>For example, within the first month of my leave, our furnace died. It was the dead of winter, so we had to dip deep into the emergency fund earlier than expected. A few months after that we had a major roof leak. This is where our savings and budgeting really came into play.</p> <p>In the end, we realized that we would be fine because we had planned for these types of minor disasters. I had moments of doubt, though, and I was thankful to know that I had a job waiting for me if I needed it. Find out what type of temporary leave options are available to you. A trial run is a wonderful opportunity to see if your plans will work out in real life. Think of it as a pair of training wheels.</p> <h2>4. Leave on Good Terms</h2> <p>Even if you hate your job, you don't exactly want to leave burning all your bridges in the process. Of course, you may find yourself with a boss who doesn't completely understand or support your decision. And that's okay. What you can do, though, is to ease the transition for everyone involved as much as possible. That will help you leave on the best of terms.</p> <p>Give your boss plenty of notice before your leave. You may even want to, as I did, ask if you might return to your workplace in the future. Though my boss wasn't thrilled to be losing a dependable worker, he ultimately understood and respected my reasons for leaving.</p> <p>I left scrupulous notes for my replacement, organized all my digital and paper files, and even offered to be available for a short while if anyone had questions. On my last day, we shook hands and I felt confident &mdash; and still do &mdash; that I could apply for future positions.</p> <h2>5. Keep Your Toes Dipped</h2> <p>When I left my job, I wasn't totally sure how long it would work out. On paper, things were looking good. In practice, well, we kept hitting some financial roadblocks. I knew I wanted to stay home with my daughter, but I also knew that bringing in some money would be helpful. Keeping my resume and skills relevant was another important thing to me.</p> <p>That's when I started looking around for freelance writing work. Some of my friends were working on different gigs, so I reached out to them. Networked. I asked tons of questions and even got some leads on jobs. In the years since, I've worked at home anywhere between five and 30 hours a week. I've had a lot of situations in my life where I've needed to scale back or almost entirely from freelancing. Still, I have these jobs on my resume.</p> <p>I'm keeping current. (And I'm enjoying it, too!) Even if you don't want to actually work during your time off, you can volunteer. You can absolutely include volunteer work on your resume. Experience is experience. And the great thing about volunteering is that you can often put it on your own schedule.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/5-smart-ways-to-prepare-for-a-job-leave">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-reasons-to-add-your-teen-as-an-authorized-user-on-your-credit-card">4 Reasons to Add Your Teen as an Authorized User on Your Credit Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-great-reasons-to-quit-your-job">13 Great Reasons to Quit Your Job</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-moves-to-make-before-moving-out-on-your-own">5 Money Moves to Make Before Moving Out on Your Own</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/leave-marley-in-the-movies-why-buying-a-trendy-pet-makes-no-sense">Leave Marley in the Movies: Why Buying a Trendy Pet Makes No Sense</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-personal-finance-resolutions-anyone-can-master">8 Personal Finance Resolutions Anyone Can Master</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Family budgeting emergency funds extended leave job leave one income family quitting stay at home parent workforce Wed, 04 Jan 2017 10:30:33 +0000 Ashley Marcin 1867991 at http://www.wisebread.com Should Your Kids Contribute to Family Money Goals? http://www.wisebread.com/should-your-kids-contribute-to-family-money-goals <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/should-your-kids-contribute-to-family-money-goals" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_kid_piggybank_517743380.jpg" alt="Parents asking kid to contribute to financial family goals" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Many years ago, I remember watching an episode of Wife Swap, a reality television program where &quot;two wives, from two very different families, swap lives for two weeks.&quot; The episode starred Tulsa, Oklahoma mom, Amy King, who made her three children buy their own treats and contribute toward all family vacations.</p> <p>Initially I thought the idea of making your children pay for their own vacation was a little radical and unloving. Obviously you don't want to force your eight-year-old to give up all of their allowance to your home renovation project or make your teenager stay home if they don't contribute to the family vacation fund.</p> <p>But it got me thinking. Could there be some good in asking children to contribute financially to family goals?</p> <h2>Why Set Family Financial Goals?</h2> <p>Setting and striving toward a goal as a family can be a powerful thing. It can bring every member of your family together and can help you work together and keep each other accountable. Spark Parenting says, &quot;Once kids see firsthand how to <a href="http://www.sparkparenting.com/Tip_Sheet_Family_Goals.pdf" target="_blank">set and achieve family goals</a>, they'll better understand what it takes to set and accomplish personal goals.&quot;</p> <p>Some important goals to set for your family can include:</p> <ul> <li>Spending more time together;</li> <li>Reading 10 books together;</li> <li>Getting healthy together;</li> <li>Giving back to the community.</li> </ul> <p>All of those goals are great to pursue as a family, but I encourage you to take on a financial family goal, too, especially when it feels like your budget is too tight for fun or travel. If you have been wanting to take a family vacation for years, yet never have enough money left over after bills, then setting a family financial goal can help.</p> <h2>Make It About the Family</h2> <p>When it comes to setting financial goals, set ones that involve and please the whole family. Yes, your family might be in debt or need new tires on the family van, but these scenarios should not be the responsibility of your children.</p> <p>Instead, make the financial goal something your kids want and can dream about with you. Here are some ideas for things to save up for:</p> <ul> <li>A family vacation in another country;</li> <li>A special dinner out;</li> <li>A day at a theme park;</li> <li>A family game/toy/activity (i.e. basketball hoop or bikes);</li> <li>Movies and ice cream.</li> </ul> <p>Your family financial goal can be big, such as a $5,000 vacation in Italy, or it can be small, like $30 for movies and ice cream. You can even have a mix of small and large goals. You should allow some room for your kids to daydream and plan. Don't just throw out &quot;Hey, kids, we need to visit grandma in Florida next year, start saving,&quot; and expect your kids to donate willingly.</p> <h2>How Much Should a Child Contribute?</h2> <p>Once the family has decided on a financial goal they want to accomplish, figure out a deadline and how much needs to be contributed each week and month. For example, a day trip to Disneyland for my family would cost around $450. If we wanted to go in 10 months, then we would need to save $45 toward our goal each month. We would then break down how much everyone would contribute weekly or monthly, depending on how often you pay allowances.</p> <p>If you assign chores and allowances based on age, then it is easy to assign how much each child should give toward the goal. Ideally, children's allowances should be split 50% &mdash; 60% spend/free choice, 20% &mdash; 30% save, and 10% give. This is true even if you do not do family allowances. If your child earns $10 a month for chores, you want to instill in him that he can keep $5 to $6 of it to do what he likes (depending on saving goals), $2 to $3 should go automatically into the savings account and not touched, and $1 should go toward charitable giving.</p> <p>For family financial goal contributions, 10% should be required of all children. I recommend the 10% coming out of the &quot;spend&quot; category, so that the child's allowance is broken down like so:</p> <ul> <li>50%&ndash;60% free choice</li> <li>20% savings</li> <li>10% family financial goal contribution</li> <li>10% charitable giving</li> </ul> <p>Obviously, your child is not going to be able to afford Disneyland anytime soon with a $1 contribution per month. That is where your contribution comes in. You fill in the gap, so it is important to make this a priority in your budget.</p> <p>So if my two children make $20 a month each from chores, I would expect them each to pay $2 toward the Disneyland fund. Which means my husband and I would then be responsible for $20.50 each per month.</p> <h2>What If Kids Don't Want to Give?</h2> <p>I definitely don't recommend making family goal time a negative thing with consequences and punishments. Instead, I recommend making a chart and setting the rule that parents only contribute on the weeks or months the kids contribute. So if my kids both spent their whole allowance on something else, then they wouldn't be in trouble, but I would show them that mom and dad will not be contributing this week and that our trip to Disneyland is now postponed a month.</p> <p>Making a large chart to track progress is a huge motivator for everyone. I encourage you to set and treat fun, family financial goals as a family matter. Everyone is doing their part. Of course, some kids might be against the idea, and for those issues, I believe you just need to sit down with them one-on-one and get to core of the problem. For example, maybe Johnny isn't contributing willingly to the fund because he doesn't want to go to Disneyland or because he is mad at his brother.</p> <p>Making your children contribute to family financial goals is for their benefit, not yours. This isn't the ultimate plan to get your child to start pulling their weight. Instead, it is a practical exercise that helps children understand the value of working together as a family, and how to save to make their own financial dreams come true.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/should-your-kids-contribute-to-family-money-goals">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. 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