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Search Results for: savings chart

Teach Your Child About Money – Free Savings Chart for Kids

November 12, 2020 | Leave a Comment

Free Savings Chart for Kids

One of the most wonderful gifts you can give your children is a healthy understanding of money. Not a craving for it or an assumption that it will lead to happiness. Instead, you have the privilege – the responsibility – to teach children about hard work, the power of saving, the dangers of debt, and the gift of giving. To help your children learn, we’ll also set you up with a free savings chart for kids.

How to Teach Your Child About Saving Money

Many people are in crisis mode, financially. It’s impossible to know what they learned or didn’t learn about money at home, but would America look different if more parents taught their children the principles I listed above? What if more parents led by example by communicating together about a budget, saying no more often to frivolous spending, and showing their children how to save up and pay cash instead of using credit cards?

It’s purely my speculation, but I’d go so far as to say we’d have less stress, less divorce, fewer addictions, more giving, and greater job satisfaction. Do you agree?

With the right steps, we can teach our children to live differently.

What About Student Loan Debt?

Free Savings Chart for Kids

Photo by Alexis Brown on Unsplash

You’re probably thinking, “What about student loans? I was just trying to further my education and now I’m overwhelmed by debt as a result.” Totally valid point. I remember approaching high school graduation and hearing everyone discuss their reasons for choosing one school over another. NOT ONCE did my friends and I stew over the debt load we’d receive from student loans. None of us saw what was coming.

In fact, according to StudentLoanHero.com, outstanding student loan debt reached more than $1.64 trillion in 2020.

How can we teach our children to save money in the face of such a burden of debt?

Start the Conversations

A great way to educate your young tribe about the dos and don’ts of spending is to create an open line of communication. Encourage them to ask questions. Show them the process of paying for your groceries or a meal at a restaurant. Take them to the bank and show them how you make a savings deposit.

Also, a conversation is a great way to tackle topics like:

  • Work ethic
  • Getting a job
  • Planning for the future
  • Saving for a major purchase
  • Saving for college (tell them about the ways you are saving for their college while they’re young)
  • Integrity
  • Greed
  • Envy
  • Contentment
  • Generosity

You don’t have to run down this list every night at the dinner table, but the more conversations you do have about these topics, the more seeds your planting in your child’s mind. You’re teaching her how to think about money, not what to think.

Put Them to Work

Free Savings Chart for Kids

Photo by NeONBRAND on Unsplash

We’ve covered the important step of talking about money. Next, it’s time to apply what your child has learned. If he’s old enough to hold a broom or to straighten up his room, your child is old enough to get paid for chores.

It’s important that he knows the money isn’t just for spending. Saving is a difficult concept for young minds, at first, unless they have something for which they’re saving. For example, if your daughter sees a Belle doll in the toy aisle and begs for you to buy it, you have some choices. You can purchase the doll, you can discuss the cost and why it’s not in the budget, or you can write down the dollar amount on a paper, head home, and help her calculate how many chores it’d take to save for the doll.

To aid in that endeavor, here are some free tools you can use with your child.

Free Savings Chart for Kids – and Other Great Savings Tools

Printable Savings Chart for Kids – via CouponsAreGreat.net

Downloadable “Share, Save, Spend” Chart for Kids – via iMom.com

Printable Savings Thermometer Chart – via Frugal-Mama.com

52-Week Money Challenge for Kids

Printable Play Money for Kids

Final Thoughts

Combine a free savings chart for kids with some great conversations and hard work around the house.  You’ll be setting the stage for great financial decisions, which will hopefully follow your children into adulthood!

Got some tips for teaching children to save money? Share one below!

Read More

5 Chores That Teach Work Ethic Principles to Toddlers

How Much, If Any, Should You Pay Your Kids for Chores?

Teach Them Young: 3 Key Tips to Help Your Child Learn about Money

Editors note:  This article has been brought to you by Dollar Dig.  Dollar Dig helps you save money at over 4,000 stores.  Open a Dollar Dig account today to start saving!

Filed Under: Education, Family Time, Home and Living, Money and Finances, Parenting Tagged With: 52 week money challenge, how to teach children to save money, kids and money, savings chart for kids, teach your child to save

Free Chore Chart Template for Kids

January 7, 2021 | Leave a Comment

Chore Chart Template for Kids

My kids started helping with chores when they were about 18 months to 2 years of age.  My oldest got his own little broom that would recite, “sweeping, sweeping” as he swept.  He loved that broom, and he loved helping out.  Most toddlers are eager to do what the people around them are doing.  If you have a toddler and want to start working with them on chores or you want a more organized chore routine for your older kids, consider using one of these free chore chart templates for kids.

Why Assign Kids Chores?

Some parents don’t want their kids to do chores.  They argue that kids should just be kids.  However, there are many valid reasons why you should assign your children chores:

They Learn Valuable Life Skills

When I went to college, I couldn’t believe how many kids didn’t even know how to do their own laundry.  My son started doing his own laundry at 12, and my daughter started at 11.  The larger variety of chores you have your kids do, the better they will be able to successfully live on their own.

They Learn to Contribute

There are many things that need to be done to run a household successfully.  If you don’t expect your kids to contribute, they can grow accustomed to the idea of others doing things for them, which can lead to a sense of entitlement.  The family is the first place kids learn what it means to be part of a group and to help run that group.  This, too, will be a valuable lesson for their adult lives.

Should You Pay Kids for Chores?

Chore Chart Template for Kids

Photo by Anna Earl on Unsplash

This can be another devisive issue.  Some families don’t pay their kids money for chores because they want them to realize that they are part of a family and family members help one another.

Others, like my family, pay their kids for chores because they want kids to firmly make the connection between work and income.  You work, and you earn money.  You don’t work, and you’re broke.

Still others don’t pay cash but instead let their kids earn privileges like watching a show, or playing a video game, or staying up late based on the chores they do.

The choice is up to you and what your family decides will work best.

Free Chore Chart Template for Kids

There is no need for you to create your own chore chart template for kids when there are so many out there!  Here are a few of our favorites:

Healthy, Happy, Impactful has a chore chart template that gives blank lines to list up to eight chores beside squares for days of the week.  Just check off each day that the chore is completed.  There is also a box at the bottom for notes.

Plan for Awesome has a chore chart template for toddlers.  This one is unique in that rather than words, there are pictures so your littlest helpers can understand.  You can also use the pictures and words for the preschool and early elementary set.

Make any one of these chore charts last longer by laminating them or placing them in a plastic sleeve so you can use them week after week.

Final Thoughts

There’s no time like the present to start having your kids help with chores.  These free chore templates can help motivate them and help them find pride in their accomplishments.

Read More

Teach Your Child About Money: Free Savings Chart for Kids

Parenting Win: Teaching Money Skills to Your Kids

Free Apps that Help Kids Manage Their Pocket Money

Filed Under: Freebies for Parents, Household, Money and Finances, Parenting Blog at KidsAintCheap Tagged With: chores, free chore charts, raising independent kids, responsible kids, toddlers

What Age Should Kids Learn About Money?

February 8, 2021 | Leave a Comment

Kids Learn about Money

What age should kids learn about money?  That’s a difficult question because kids learning about money isn’t the same as, say, potty training.  Kids continue to learn about money throughout their childhoods.  However, having said that, your kids can begin to learn about money in the early preschool years and continue on from there.

How Preschool Kids Learn about Money

At this age, kids are watching you closely so set a good example.  For instance, when you go to a grocery store, don’t reward your kids with a treat every time.  If you do, they start to expect that you will just buy things for them.

Instead, create buy, spend, and save jars.  If you want to pay them an allowance for chores, now is the time to start.  You can set up a chore chart, and pay them for their chores.  When you pay them, you can help them separate their money into the three jars.  Let them use their spend money for little things they want to buy.

This is also a good time to get them money-related toys like play cash registers so they can get used to the concept of the different values of our coins and bills, spending money to buy something, not having enough money, and making change.  Play store and grocery shopping with them frequently.

How Elementary Kids Learn about Money

Once your children learn the rudimentaries about money, it’s time to teach them more complex lessons.  The grocery store is a great place to teach these lessons.  You can teach about buying generics, price comparing different sizes of the same product, and the value of using coupons.

Kids this age will be earning more than they did as preschoolers, so you can also help them save for a large goal like an expensive Lego set they want to buy.  You should also teach them that once the money is spent, it’s gone.  Then, they need to work hard to earn more to save and spend all over again.

How Middle School Kids Learn about Money

At this age, kids are going to want to spend, spend, spend.  This is the time to teach them, if you haven’t already, that you won’t buy everything they want.  Just because your daughter wants new jeans when she already has enough doesn’t mean you’ll buy them.  She can save her money and buy them if she really wants them.

You should also teach them about the power of compound interest.  This helps them realize that if they delay spending today, compounding interest can help them have more money later.

How High School Kids Learn about Money

Now is the time when all your hard work teaching your kids about money comes to fruition.  Rather than buying or giving your child a car, have them save for at least half of the price of a car.

Also, teach your kids about credit cards, how to use them responsibly, and how to avoid accruing debt.

Be very clear how much you can afford to pay for their upcoming college.  Then, they can choose a college that is affordable, or choose one that costs more than you can afford.  However, help them understand how accruing student loan debt can make it harder to achieve their goals in adulthood.

Final Thoughts

Throughout your child’s life, you should be teaching them money lessons.  As they age, these financial lessons should become more specific.  If you’ve done your job well, by the time they leave home, they’ll be able to make smart money decisions.  However, if your child makes foolish money decisions, know that you’ve laid the ground work so they know how to improve their financial situation should they need to.

Read More

Teach Your Child About Money–Free Savings Chart for Kids

Parenting Win–Teaching Money Skills to Your Kids

Games That Teach Kids about Money

Best Places To Sell Rare Pennies

 

Filed Under: Education, Parenting Blog at KidsAintCheap Tagged With: Counting money, money

Identity Thieves Love Children, So Start Building Credit Before Age 17

February 18, 2018 | Leave a Comment

Start building credit before age 17 — that’s not to say you should get your kids their own charge cards if you don’t think they’re ready. But you need to monitor their credit reports early.  [Read more…]

Filed Under: Money and Finances Tagged With: children, credit, Credit Cards, credit report, Credit Score, Identity Theft, Social Security

Your Kid’s First Allowance: A Powerful Moment You Shouldn’t Waste

June 6, 2025 | Leave a Comment

Your Kids First Allowance A Powerful Moment You Shouldnt Waste

That first handful of dollars your child receives may not seem like a big deal—but it absolutely is. Your kid’s first allowance is more than just pocket money. It’s a golden opportunity to start shaping lifelong habits around saving, spending, and financial responsibility. What might feel like a simple transaction can quickly turn into one of the most impactful teaching moments in your child’s early years. With the right approach, you can turn allowance into an experience that builds confidence, teaches values, and encourages smarter choices for years to come.

1. Talk About the “Why” Behind the Allowance

Before handing over money, have a clear conversation about its purpose. Explain what the allowance is for—whether it’s for fun, savings, charity, or learning how to make decisions. Your kid’s first allowance shouldn’t be a surprise with no context. This is the perfect moment to introduce basic money principles in a way that feels exciting and empowering. By setting expectations from the start, you help your child see allowance as a responsibility, not a freebie.

2. Let Them Make (Small) Mistakes

It’s tempting to stop your child from blowing all their money on candy or the latest junky toy, but resist the urge. Part of the lesson of your kid’s first allowance is letting them learn through experience. If they spend it all at once and regret it later, that’s a powerful learning moment that sticks. These safe little mistakes are worth more than lectures. As long as the consequences are small, those early missteps help build smarter decision-makers.

3. Create a Simple Budgeting System

Even young kids can understand the idea of dividing their money into categories. Try the classic “Spend, Save, Give” method and provide three jars or envelopes to make it visual. Your kid’s first allowance is the ideal time to begin showing how different goals require different strategies. Saving for a toy takes patience, while giving to a cause builds empathy. A simple system encourages intentional spending rather than impulsive choices.

4. Tie It to Effort, Not Entitlement

There’s an ongoing debate about whether allowance should be tied to chores. Whether you decide to link it to specific tasks or not, make sure it’s associated with effort or contribution. Your kid’s first allowance sends a message: “Money doesn’t appear out of nowhere.” Whether it’s for making the bed daily or being responsible in general, connect allowance to effort so your child begins to value the work behind the reward. This lays the groundwork for a healthy work ethic.

5. Use It to Practice Saving for Goals

Helping your child save up for something they really want is one of the best uses of allowance. Whether it’s a new LEGO set or a trip to the arcade, setting a goal makes saving feel like a game instead of a chore. This moment in your kid’s first allowance journey teaches patience, planning, and the excitement of achieving something through discipline. Use visuals like charts or countdowns to keep them engaged. Reaching a savings goal is an unforgettable confidence boost.

6. Teach the Value of Giving

Generosity is a habit best formed early. Set aside a small portion of allowance for charitable giving—whether that’s donating to an animal shelter, church, or a class fundraiser. When your kid’s first allowance includes giving, they learn that money isn’t just for personal gain. It’s a tool to help others and create positive change. Discuss options together and let them decide where it goes to help build emotional investment in the act of giving.

7. Keep the Conversations Going

One talk isn’t enough. Make money a regular topic at dinner or during errands. Ask your child how they plan to spend, save, or share their next allowance, and offer praise for thoughtful decisions. Your kid’s first allowance should be the start of many little conversations about value, choices, and priorities. The more open and consistent you are, the more comfortable your child will be asking questions and making wise decisions over time.

A Little Money, A Lot of Impact

Don’t underestimate what a few dollars a week can do. Your kid’s first allowance is about more than budgeting—it’s about building character, habits, and confidence with money. When you take the time to approach it intentionally, you’re giving your child far more than spending power. You’re giving them a head start on financial literacy and a foundation they’ll use for the rest of their life.

What did your child do with their first allowance? Are you tying it to chores, savings, or both? Share your allowance stories and tips in the comments!

Read More:

Teaching Kids Financial Responsibility: Start With These Simple Steps

5 Free Budgeting Apps For Kids to Learn About Money

Filed Under: Personal Finance Tagged With: allowance advice, child allowance, financial literacy, kids and money, money habits, parenting tips, saving and spending, teaching kids about money

Here’s What It Cost to Raise A Child in 1990

May 11, 2025 | Leave a Comment

Image source: Pexels

In 1990, Vanilla Ice was topping the charts, kids were trading slap bracelets at recess, and parents were raising children at a fraction of today’s costs. The world felt different, and so did the price tag of parenting.

According to data from the U.S. Department of Agriculture (USDA), the average cost of raising a child from birth to age 18 in 1990 was about $120,000 to $150,000, depending on household income and region. That breaks down to roughly $6,700–$8,300 per year, a figure that feels almost quaint compared to today’s numbers.

Fast-forward to now, and that number has more than doubled. But why? What exactly were families paying for in 1990, and how has the financial burden shifted over the decades?

Let’s take a nostalgic but illuminating look back at what it really cost to raise a child in 1990, and what it tells us about how parenting has changed.

What That $120K–$150K Covered

Back in 1990, the USDA calculated the cost of raising a child based on key categories: housing, food, transportation, clothing, health care, child care and education, and miscellaneous expenses. Here’s how those costs played out in that era:

Housing (30–33% of the total)

Housing was the largest expense, even in the ’90s. But let’s put it into context: the average home price in 1990 was around $123,000, compared to over $430,000 today. Parents in 1990 weren’t immune to mortgage stress, but homeownership and space for growing families was far more attainable.

Food (15–20%)

With fewer convenience foods and smaller portion sizes, feeding a family in 1990 was less of a financial burden. Grocery prices were significantly lower: a gallon of milk cost around $2.15, and you could buy a loaf of bread for less than a dollar. Eating out was a treat, not a twice-weekly expectation.

Transportation (15%)

Most families owned one or two vehicles, and gas prices averaged $1.16 per gallon. Without the constant chauffeuring to extracurriculars, tutors, and events, car costs remained manageable. Plus, car insurance and maintenance fees were less steep across the board.

Clothing (5%)

Fast fashion hadn’t yet taken over, and kids weren’t being dressed like mini-influencers. Hand-me-downs were common. Name brands existed, but they weren’t seen as essential status symbols in most households. A typical pair of kids’ sneakers? About $25.

Health Care (5–10%)

Before the rise of high-deductible plans and co-pays, many families were insulated from major health expenses through employer-sponsored insurance. Out-of-pocket costs were lower, and fewer parents dealt with medical debt.

Child Care and Education (5–10%)

This is where we see one of the biggest contrasts. In 1990, far fewer households relied on full-time daycare, and preschool wasn’t universally considered essential. Many mothers were stay-at-home caregivers, either by choice or social expectation. Private school tuition existed, but it wasn’t the norm. Today, daycare alone can cost $10,000–$20,000 a year in many areas.

Miscellaneous (5–10%)

This included toys, books, entertainment, sports, and vacations. There were costs, but not subscriptions to 10 streaming services, not iPhones by age 9, not $300 gaming consoles for elementary schoolers. Simpler times, indeed.

What’s Changed and Why It Matters

Parenting today comes with far more pressure to spend. Social media amplifies expectations around birthday parties, home aesthetics, brand-name gear, and enrichment opportunities. And in many ways, society has shifted core costs—like education and healthcare—onto families’ shoulders.

Some major changes since 1990 include:

  • Child care has skyrocketed, with many dual-income families spending more on daycare than their mortgage.
  • College savings are now expected to start earlier, thanks to ballooning tuition costs.
  • Technology expenses didn’t exist in 1990—now, every kid “needs” a tablet, headphones, and a reliable internet connection.
  • The cost of “normal childhood” has been redefined, with families paying more to keep up, not necessarily to spoil.

In short, the price of childhood hasn’t just gone up. It’s expanded to include things parents never had to consider before.

Can Today’s Parents Learn Anything From 1990?

Yes, more than you might think. While we can’t time-travel to cheaper groceries or affordable housing, we can borrow from the 1990s mindset Here’s what that might look like:

  • Simplify where possible. Kids don’t need a new wardrobe every season or themed bedrooms. They need comfort, consistency, and confidence.
  • Say “no” to pressure spending. Not every trend deserves your wallet’s attention. Your child won’t remember the Pinterest-perfect lunchbox, but they will remember your presence.
  • Prioritize needs over optics. In 1990, parents focused more on stability and less on social comparison. That’s a value that still pays dividends.
  • Teach financial literacy. The more kids understand money from a young age, the more they’ll grow up appreciating what they have, not demanding what they don’t.

Looking Back and Thinking Ahead

There’s no denying that parenting has always been hard work and expensive. But 1990 offered a version of family life that felt slower, less pressured, and more grounded. As modern parents stare down five-figure daycare bills and screen-induced meltdowns, it’s easy to feel envious.

Still, the values of the ’90s—intentionality, simplicity, community—can absolutely find their way into 2025 family life. You don’t have to raise your kids in a time capsule to benefit from a few throwback priorities.

Do you remember how your parents handled back-to-school shopping, clothes, or birthday parties in the 90s? What’s changed most, and what lessons still stick with you today?

Read More:

Here’s What It Cost to Raise A Child In 1980

Can You Afford to Have Kids in 2025? Here’s What It Really Costs Per Year

Filed Under: Parenting Tagged With: 90s nostalgia, cost of raising a child, family finance history, modern parenting expenses, parenting in the 90s, parenting inflation

6 Common Money Mistakes Kids Make When They Get Their First Job

May 2, 2025 | Leave a Comment

Toy figures of a police officer and photographer standing on a pile of hundred-dollar bills.
Image Source: Unsplash

There’s something magical about a teen’s first paycheck—the pride, the excitement, the burst of independence. Ask any adult and they’ll likely remember that first “real” deposit as a milestone on the road to adulthood. Yet for many kids, steady income quickly translates into a shopping spree, a drained debit card, and a puzzled look when gas money runs out. Building healthy financial habits at the start of a working life is easier than unlearning bad ones later.

The good news: most money mistakes teens make can be prevented—or at least softened—through open conversations, simple systems, and a bit of accountability. Below are six classic missteps teens fall into with their first job, plus friendly, practical ways to steer them toward smarter choices.

1. Spending Every Penny They Earn

The “100 percent consumption trap” tops the list for a reason. A brand-new paycheck often feels like free money—until it’s gone. Takeout meals, digital downloads, and spur-of-the-moment outings drain accounts before teens remember how many hours of work that balance required.

Help your child adopt a three-bucket method: Spend, Save, Give. Even a 70/20/10 split teaches that every dollar has a job. Apps such as Greenlight or gohenry make automatic splits easy, and old-school envelope systems work just as well for cash earners. Emphasize that savings aren’t leftovers; they’re a bill paid to their future self.

2. Not Creating (or Following) a Budget

Budgeting sounds dull to a teenager, but remind them it’s simply a plan for freedom: they decide where money goes instead of wondering where it went. Without a list of expected expenses—gas, subscriptions, phone bills—surprise costs derail goals. Sit down together and map out a basic monthly budget. Encourage them to track spending for two weeks so the plan reflects reality. Not best-case guesses. If paper charts feel ancient, try free teen-friendly tools like Mint or EveryDollar Lite to visualize spending in real time.

3. Ignoring Savings Altogether

“Later” feels safe when you’re 16, but time is the single greatest advantage young savers have. A teen who stashes even $15 a week can see four figures in the bank by graduation—without feeling deprived. Make saving painless: set up an automatic transfer or encourage payroll direct deposit into a separate high-yield savings account. Small wins matter. Challenge them to a 30-day savings streak or a “keep the change” roundup. Celebrating progress—like reaching $100 saved—reinforces the habit long before the bigger goals (car, college, travel) come into play.

4. Living Beyond Their Means

FOMO can wreak havoc on a teen budget. Trendy clothes, daily coffee runs, and weekly streaming subscriptions snowball quickly. Work with your child to distinguish needs, wants, and nice-to-haves. Then help them set one short-term motivational goal (concert tickets) and one longer goal (college dorm essentials). Having something meaningful to work toward makes it easier to skip the third bubble-tea of the week. If peer pressure is intense, practice polite “no thanks” scripts so they feel ready to decline costly invites without embarrassment.

5. Misusing Credit or Debit Cards

Plastic feels frictionless—swipe now, worry later. Debit cards can overdraft; credit cards can snowball into interest debt. Before giving your teen spending power, walk through how card statements work, what interest rates mean, and why minimum payments are a trap.

Consider starting with a low-limit secured card or a prepaid debit account that shuts off at zero. Teach them to check balances weekly (many banking apps allow balance widgets or alerts). Early mastery of responsible card use builds a strong credit foundation and guards against costly surprises.

6. Thinking They Don’t Need Financial Advice

The first paycheck can spark an intoxicating sense of “I’ve got this.” But financial literacy seldom arrives by osmosis. Teens who try to figure it out alone often land in fee territory—think late payments, ATM surcharges, or fraudulent online purchases.

Keep the door open with judgment-free money chats. Set up brief “money check-ins” each month: you supply snacks, they bring bank statements. Focus on listening first, advising second. If they prefer outside voices, point them to reputable podcasts or YouTube channels like “How to Money” or “The Financial Diet” aimed at young audiences.

Turning Mistakes into Teachable Moments

Your child’s first job is more than a paycheck—it’s a personal finance classroom. Mistakes will happen, and that’s okay. Recovering from a $40 overdraft at sixteen is far less painful than a $4,000 credit-card balance at twenty-six.

When slip-ups occur, walk through what went wrong and how to fix it. Help them contact customer service, set up payment plans, or negotiate late fees. Guiding them through problem-solving builds resilience—and shows that money management, like any skill, improves with practice.

Quick-Start Toolkit for Teens

  • Automatic Transfers: Schedule savings the same day payroll hits.
  • Spending Tracker: Use a notes app or spreadsheet to record every purchase for one week.
  • Goal Board: Print pictures of what they’re saving for and hang them near the workspace.
  • Cash Challenges: Try a no-spend weekend or a “save the fives” jar (stash every $5 bill received).
  • Account Alerts: Enable low-balance and large-purchase notifications on banking apps.

Each tool adds a micro-layer of awareness—something many adults wish they’d learned sooner.

Morning jog in the countryside
Image Source: Unsplash

Building a Lifetime of Healthy Habits

Financial confidence isn’t built in a single paycheck cycle. It grows through small, repeated choices: packing lunch instead of DoorDashing, transferring ten dollars before opening TikTok, asking a parent before clicking “Buy Now.” Keep conversations ongoing and celebratory.

Share your own wins and flops—kids value honesty over perfection. With your guidance, they’ll leave high school not just richer in dollars, but richer in wisdom about how money can serve their goals, values, and future dreams.

What money lesson clicked best with your teen? Drop your tips or funniest first-paycheck stories in the comments. We’re all still learning—no matter our age.

Read More

  • 10 Times Kids’ Stupid Mistakes Wrecked Their Parents’ Finances
  • 19 Odd Jobs That Pay Surprisingly Well

Filed Under: Parenting Tagged With: budgeting for teens, financial literacy, first job tips, kids and money, Parenting, saving habits, teen money mistakes, teen spending | Family Finance

8 Reasons Why Parenting Today Is Way Too Soft: Here’s Why It Might Be Hurting Your Kids

April 28, 2025 | Leave a Comment

dad comforting crying baby
Image Source: Unsplash

The pendulum of parenting has swung from stern rules to soothing affirmations, leaving many caregivers wondering whether we’ve gone too far toward softness. Social media brims with advice to validate every feeling, avoid every “no,” and rescue kids from the slightest struggle.

While empathy is essential, unlimited leniency can unintentionally sabotage the very resilience we hope to nurture. Children need both warmth and structure to thrive; remove one, and the other loses power. Before dismissing firmness as outdated, consider how chronically soft parenting might create long-term challenges.

Kids Don’t Learn Boundaries When Every Rule Is Negotiable

Consistently caving after a toddler tantrum or a tween’s eye roll teaches kids that persistence—not cooperation—wins the day. Without clear, predictable limits, children struggle to respect others’ boundaries at school, on teams, and in friendships. They may test teachers, ignore peers’ personal space, or resist authority figures who don’t bend as easily as Mom or Dad. Healthy boundary-setting starts early: concise expectations, calm enforcement, and logical consequences. When kids understand “stop” truly means stop, they develop self-control that carries into adulthood.

Self-Regulation Weakens When Adults Regulate Everything

Soft parents often intercept discomfort before it appears—topping off juice to prevent disappointment, solving homework hiccups before frustration sets in. Yet small frustrations are practice rounds for managing bigger emotions later. Research indicates that children allowed to experience mild stress and then self-soothe display stronger executive function and emotional resilience. Rather than rushing to fix, offer empathy (“I see that’s tough”) and space for problem-solving. The short-term tears are worth the long-term coping skills.

Constant Praise Can Dilute Real Confidence

Celebrating every scribble or half-hearted chore with outsized applause can lead children to expect praise for minimal effort. Studies on mindset show that inflated compliments encourage performance anxiety and avoidance of challenging tasks. Swap generic “Good job!” for process-oriented feedback: “You kept trying different puzzle pieces until it fit.” Authentic praise tied to genuine effort fosters internal motivation, not approval-seeking.

Overprotection Fuels Anxiety and Risk Aversion

When kids rarely climb a tree, walk to a friend’s house, or navigate conflict solo, the world feels scarier than it is. Recent studies show links between overly protective parenting and heightened child anxiety. Allow low-stakes risks—balancing on playground beams, ordering food, forgetting homework once—and coach safety strategies rather than imposing bans. Gradual exposure builds judgment and courage that can’t grow in cotton wool.

mom and baby in bed
Image Source: Unsplash

Delayed Gratification Becomes a Foreign Concept

Instantly handing over snacks, screens, or new toys trains brains to expect immediate rewards. Yet the famous Marshmallow Test and its follow-up studies show that kids who practice waiting demonstrate stronger academic and social outcomes later. Create opportunities for patience: a family savings jar for a shared outing, timer-based screen limits, baking cookies from scratch instead of buying them. Small waits teach big lessons about goal-setting and perseverance.

Teachers and Coaches Can’t Compete With Helicopter Parents

Some students raised under ultra-soft regimes resist feedback or crumble at constructive critique. Coaches see similar trends in sports—kids quit when benched or corrected because they’ve rarely faced disappointment at home. Parenting’s purpose is to prepare children for a world that won’t cushion every blow. Model how to receive feedback gracefully: discuss mistakes openly, strategize improvements, and celebrate growth over perfection.

Sibling and Peer Conflicts Escalate Without Conflict Skills

When adults intervene at the first hint of sibling squabbles, children miss chances to negotiate and compromise. Gentle guidance—“Can you two agree on a plan?”—beats immediate arbitration. Children who solve disputes independently build empathy and perspective-taking. Resist refereeing every clash; instead, teach conflict vocabulary and step back unless safety is at risk.

Parental Burnout Rises as Structures Fall

Endless negotiating, placating, and midnight snack fetching exhausts caregivers. It’s easy to suffer from parental burnout if you never say “no.” Clear rules simplify life for everyone—kids know what to expect, and parents reclaim energy for connection, creativity, and self-care. Boundaries aren’t just for children; they protect parental well-being too.

Building Balanced Parenting—Your Next Step

Softness without structure can stunt resilience, yet harshness without empathy harms trust. The sweet spot is authoritative parenting: warm relationship combined with firm, consistent limits. Try implementing one concrete boundary this week—perhaps a device curfew or chore chart—and pair it with supportive dialogue. Notice how predictability reduces power struggles and boosts confidence on both sides of the dinner table.

Which boundary will you set—or reinforce—first, and how do you expect it to help your family thrive? Share your plan or success story in the comments so we can learn together!

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Filed Under: Parenting Tagged With: authoritative parenting, child discipline, emotional resilience, gentle parenting, overprotection, parenting mistakes, parenting trends, soft parenting

10 Baby Names Inspired by TikTok Trends (Yes, Really)

April 18, 2025 | Leave a Comment

 Trendy baby lying down, capturing modern name vibes
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Thanks to TikTok, baby naming has officially entered its influencer era. Parents are scrolling for inspiration, diving into aesthetic niches, and following creators whose entire platform is built on naming babies.

And it’s not just fun and games—these TikTok baby names are showing up on real birth certificates. From “main‑character” vibes to nostalgic throwbacks, the app’s cultural reach is shaping how the next generation will introduce themselves. Whether you’re naming your own little one or just curious about where the trends are heading, here are 10 baby names that rose straight from your For You Page.

1. Sunday

Influencers aren’t just picking pretty names—they’re re‑imagining everyday words into iconic choices. Sunday joins the day‑inspired club alongside Tuesday and Wednesday: peaceful, airy, and refreshingly non‑traditional.

If you’re after a poetic pick with minimalist style, Sunday checks the box.

2. Dot (or Dottie)

Vintage is chic again. TikTok’s “cottage‑core” creators adore names that feel nostalgic yet quirky—Dot or Dottie has both charms. Short, sweet, and unmistakably classic, it’s the kind of revival that looks at home in storybooks and Instagram captions alike.

3. Clementine

With its fruity flair and lyrical sound, Clementine hits that rare sweet spot between whimsical and sophisticated. TikTok accounts focused on “storybook baby names” showcase it constantly, and Nameberry reports a 20 percent year‑over‑year rise in searches for Clementine.

Bonus: built‑in nicknames like Clemmie or Tiny.

4. Baby

Yes, really—Baby is appearing on legal forms. While Dirty Dancing nostalgia plays a part, TikTok parents say the appeal is its endearing simplicity.

5. Lemon

Playful and gender‑neutral, Lemon reflects the joyful irreverence many young parents crave. There’s a whole side of TikTok (“fruit‑baby‑name Tok”) celebrating botanical picks that feel sunny and offbeat—Lemon sits at the top of that pile of citrus‑fresh options.

6. Lovely

Floating in the same trendstream as Baby and Sunday, Lovely is soft, expressive, and rooted in affirmations. The idea: give kids a name that doubles as a daily dose of warmth. It’s unconventional—but that’s exactly the point.

Cute baby
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7. Mia (with a Twist)

Creators often post “If you love Mia, try these” lists, suggesting cousins like Miel (Spanish for honey) or Amia. The goal is a name with Mia’s vibe minus the popularity spike. It’s a smart way to stay classic while sidestepping the overcrowded top‑10 charts.

8. Plum

Short, artistic, and hue‑inspired, Plum gets love from design‑oriented parents. It pairs beautifully with whimsical nursery décor and has quietly crept into the world as a rare—but rising—girl’s name.

9. Pippin (or Pip)

Thanks to Tolkien and an avalanche of cozy‑core TikToks, Pippin feels like a warm mug of cider in name form. Gender‑neutral nickname Pip brings extra charm, making it a favorite on lists titled “Names That Feel Like Sweater Weather.”

10. Amanda (But Make It Aesthetic)

TikTok isn’t all about brand‑new inventions—creators also give “mom names” a glow‑up. Videos compare classics like Amanda or Jessica with revived variants (Amara, Jessa, Sessa).

The takeaway: You can honor a timeless pick and still ride the trend wave by tweaking spelling or pairing it with a bolder middle name.

Thinking Beyond the Baby‑Name Book

TikTok is more than dances and DIYs—it’s a baby‑naming laboratory packed with personality, poetry, and a dash of rebellion. Whether you gravitate toward the vintage, the botanical, or the totally unconventional, the best name is one that feels right for your family and can grow gracefully into adulthood. Trends fade; meaning lasts.

Which viral baby names caught your eye recently? Share your top contenders (or guilty‑pleasure picks) in the comments!

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Filed Under: Baby Names Tagged With: baby name ideas, modern baby names, parenting trends, TikTok baby names, unique baby names

The Link Between the Cost of Living Crisis and Loan Default

July 1, 2024 | Leave a Comment

Anyone who has visited a store or tried to buy necessary goods or services lately has noticed a dramatic increase in prices. Even outside of the United States, the cost of everyday goods have risen dramatically in the past few years. In 2023, the International Rescue Committee marked the average global inflation rate at 6.8%. 

This cost of living crisis has manifested itself in many different aspects of human life. One of the major effects of this crisis is its relationship to borrowing, loans and in particular, loan default on things like student loans, car title loans and credit cards. To fully understand this issue, it is first important to understand the cost of living, and its many different facets. 

Cost of living can be defined as the amount of money needed to cover the necessary aspects of living. Simply stated, it costs more money to live in certain areas than in others. In the United States, some states with the highest cost of living include Hawaii, New York and California, while some states with the lowest cost of living include Mississippi, Kansas and Alabama. When there is a cost of living crisis, and the price of mandatory everyday costs rise dramatically, this can have far reaching effects. 

What Happens When There is a Cost of Living Crisis?

A cost of living crisis can be stressful for both individuals and institutions alike. Consumers, particularly low-income consumers, may find themselves unable to accommodate these large shifts in the economy. In addition, the following can be expected during a cost of living crisis: 

  • Reduced Disposable Income
  • Financial Strain
  • Reduced Consumer Spending
  • Increased Interest Rates

When consumers are required to tighten the purse strings, they have less disposable income for unnecessary or “want” items. Typically, shopping, dining out and entertainment budgets are the first to get slashed in consumer households. This is no fun for anyone, especially local business and small business owners who rely on the community for their income and do not have a large corporation to fall back on. 

The financial strain caused by a cost of living crisis can be felt by all parties. Individuals, families and local businesses all feel an increased stress when there is less disposable income. According to the National Institute of Health, more than 75% of working adults felt or experienced stress due to inflation and the rising cost of living. 

In addition, not only does a cost of living crisis reduce spending which in turn affects business and consumers, but long term this can drastically pump the brakes on economic growth. Once the economy is stuck in a pitfall such as this for too long, it can be extremely difficult to get out, and take time. 

All About Loan Default

Anyone who has taken part in the loan process knows the one word that you don’t want to hear: default. Loan default occurs when you have stopped making payments on a loan. One single missed or late payment will not put you in default. While it varies from lender to lender, usually a loan is considered in default if the borrower has not made any type of payment toward the debt in 90 days. Typically, lenders are responsive to proactive communication and will reach out to their lenders multiple times before loans go into default. 

Particularly if you have taken out a loan that required some type of collateral, or object of value, when your loan defaults your lender will have the legal right to seize your collateral. While there are many issues that can factor into loan default, usually a borrower defaults on a loan when they do not communicate with the lender and they are unable to make the payments, usually due to an unforeseen life circumstance. A cost of living crisis oftentimes counts as one of these life circumstances. 

Exploring the Relationship Between Cost of Living and Loan Default

The relationship between cost of living and loan default is extremely interconnected. Neither borrower nor lender want loan default to occur. However, the results of a cost of living crisis are oftentimes the very same causes that lead to loan default. Some of these circumstances include: 

  • Budget strain
  • Employment and income factors 
  • Wage stagnation
  • High borrowing costs and rates 

During a cost of living crisis, households may also find themselves in a budget crisis. Households need to continue to purchase basic goods to survive and live their day to day lives. Should these costs rise, households may find themselves in a situation where they are unable to make ends meet and they skip a loan payment or two. 

During a cost of living crisis, many local and small businesses suffer. If an individual’s employment is tied to any of these businesses, then a cost of living crisis could also impact their income. When consumers experience a decrease in income in tandem with an increase in consumer prices, the outcome can result in loan default among other things. 

Wage stagnation, or, when the wages of workers does not rise for an extended period of time despite the rise of prices around them can lead to loan default, particularly during a cost of living crisis. According to the Economic Policy Institute, middle class worker’s hourly wage is up only 6% since 1979, whereas prices of goods and services have soared. 

How to Avoid Loan Default in a Cost of Living Crisis

While a cost of living crisis is out of one’s control, there are actionable steps that you can take to help guard yourself against loan default. 

First off, proactive budgeting is key. Even if you find yourself in a place where you do not have a lot of disposable income, prioritizing saving can help guard you against falling victim to any unexpected expenses. Furthermore, having an emergency savings fund can also help you to avoid taking out additional debt and loans during a cost of living crisis. 

Additionally, the importance of proactive communication cannot be understated. The majority of lenders want to work with their borrowers, and everyone involved in the equation wants to avoid loan default. By communicating and documenting your communication with lenders at the first sight of financial strain and trouble, you may be able to work with a lender to negotiate your monthly payment or to even potentially put your loan in deferment. 

It is easy to feel at the mercy of the economy during stressful financial times. However, you as a borrower and consumer hold much power. Through research, education and careful financial planning you have the ability to guard yourself against financial stress and loan default. 

Filed Under: Money and Finances

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Basic Principles Of Good Parenting

Here some basic principles for good parenting:

  1. What You Do Matters: Your kids are watching you. So, be purposeful about what you want to accomplish.
  2. You Can’t be Too Loving: Don’t replace love with material possessions, lowered expectations or leniency.
  3. Be Involved Your Kids Life: Arrange your priorities to focus on what your kid’s needs. Be there mentally and physically.
  4. Adapt Your Parenting: Children grow quickly, so keep pace with your child’s development.
  5. Establish and Set Rules: The rules you set for children will establish the rules they set for themselves later.  Avoid harsh discipline and be consistent.
  6. Explain Your Decisions: What is obvious to you may not be evident to your child. They don’t have the experience you do.
  7. Be Respectful To Your Child: How you treat your child is how they will treat others.  Be polite, respectful and make an effort to pay attention.
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