Posted in Kids

Three Tips for the Perfect Bedtime Story

Telling bedtime stories freely and in your very own words is a great thing, children love it and they are allowed to join in and steer the story together with you.

Telling bedtime stories can also be a daunting task if you’re not used to invent and tell stories freely.

The good thing is, with a couple of little tips and some guidance, you can learn this skill and train to tell engaging stories. You’ve got the very best audience a storyteller can wish for: your own kids.

Today I’ll share three easy tips for the perfect bedtime story, so here we go.

Structure Your Story

Every story has a certain structure and follows specific rules to engage the audience, at the very core a simple story needs three storypoints: a beginning, a middle and an end.

Add one more storypoint in the middle, like a surprise twist, something dangerous that the characters have to overcome or a turn of events that changes the direction of the story — with these storypoints you’re ready and well equipped to build a great adventure.

  • Beginning (where do we start?)
  • Middle (what happens in the story?)
  • Turning Point (something unexpected happens / a problem occurs)
  • End (how does the story end?)

This is the part most people struggle with: how do I come up with a story? There are a couple of things you can do:

  • Think of a character. Any character. Preferably someone or something that your kids really enjoy — a knight, a pirate, a fairy or even take your own kid.
  • Think of a setting — where does this character live? In a castle, a boat, the woods or at home?
  • What problem occurs? A dragon besieges the castle, a treasure map in a bottle is discovered, the animals got sick or a huge cave troll appears in the garden and your kid decides to help him.
  • How can this problem be solved? The dragon was lonely and wanted to visit the people and not scare them, the treasure turns out to be a stranded person, the animals ate berries from a mysterious bush or your kid finds a new home for the cave troll.

These are just some really quick examples, but you get the idea. Frankly speaking: coming up with a story actually is the hardest part, but that’ also the part we’re going to help you out with!

Paint Pictures With Words

When you have the basic structure and the most important storypoints, it’s time to tell them in an engaging way that creates suspense and makes the children really care.

So it’s time to tell your kids what happens — but try to shake it up! Nothing just happens, it all has to be experienced.

When a character enters a building — what does it look like? Is it a big hall where you can barely see to the end or a tiny cave? Is it cold or warm, do you smell something? What can you hear? How does this character talk? Is he speaking very loud all the time or really quietly? Does he have an accent or mixes up some words?

Really focus on the details and let your kids join in — what do they hear? What do they see? What do they think happens next?

The great thing is that kids have crazy imagination skills and will be there to help you out, so explore the story together with them.

Have Fun

The most important part of bedtime stories is to have a great time with your kids. Remember how often you made a fool out of yourself and actually enjoyed it? Don’t hesitate to make mistakes, mix up some storypoints or forget what happens next — you’re not telling a story in a room full of people — these are your kids and they will help you out and share a laugh with you.

Be prepared to derail from the structure or a new character appears out of thin air because your children just thought of that — that’s the fun part of bedtime stories.

You’re not only watching or reading something together, you’re making it up along the way.

Enjoy your mistakes and embrace the unpredictability — you’ll never forget the great time you had together!

There are many bedtime stories to read for your children which leads to developing a good relationship with them and don’t forget to let them know about financial literacy for kids it will help them in future too.

Posted in Kids

5 Ways to Get Your Kids Super Excited About Bedtime Stories

It can be difficult getting kids to bed sometimes. No matter how tired they are, sometimes they will do anything to stay up.

And, we all know overtired children are grumpy and often hard to reason with.

Wouldn’t it be great if the mere mention of bedtime sent children flying to their rooms and diving under the covers?

Sharing stories at bedtime is a great way to turn going to bed from a chore into an exciting and enjoyable event.

Best of all, you’ll be creating memories that will stay with your children for life. You’ll also be showing them the importance of reading stories and building their love of books.

1 Read from a Wide Range of Sources

To make reading bedtime stories really interesting mix up the types of books and stories you share.

Depending upon the age of your reader, you might like to introduce stories about different animals, places, people and more.

You should also read prose and a mix of poetry.

Don’t be predictable. Your children will love the excitement of not knowing what story they are going to hear each night.

All authors write with a different narrative style. Take advantage of this and expose your children to a wide variety of topics, concepts and writing styles.

2 Use your Voice to Add More Drama and Excitement

There is nothing more boring than someone who reads in a monotonous voice. It’s enough to put anyone off wanting to read for pleasure — for life!

Develop a calm narrative voice that doesn’t overexcite your child, but use expressions to articulate and pronounce words and vocalize various moods.

As well, use your voice to give the characters more depth. Bring them alive by using silly tones and inflections, too.

Also, enunciate sound-words such as ‘bang’ or ‘splash’ for more fun and excitement. Your children will love to join in and become more engaged with the story.

3 Time the Length of your Stories so They are Just Right

Getting the length of stories right can be difficult at first.

Remember Goldilocks? Like porridge, chairs and beds, some stories are too long; others are too short; but some are just right!

If you are relatively new to reading stories, you may find that some are too short and others way too long.

Keep a note of how your child is behaving. If he or she is beginning to fidget or toss around then perhaps the story has gone on too long.

But, if he or she wants to get out of bed and play, then the story may have been too short.

If he or she has gone to sleep — mission accomplished!

All children are different and no one child will react in the same way, so be present and watchful of any behavioural indication that the child isn’t responding as you might like.

4 Use the Illustrations to Add More Meaning

All illustrations are carefully created and chosen by the publisher to enhance the story and bring the characters to life.

Clever illustrators will add small things to their pictures just for fun.

Here are some tips to get the best out of the illustrations:

Pointing to the facial expressions of the book’s characters, ask your child what do they think he or she is feeling or thinking of doing next? How does that relate to the story?

Alternatively, what do the colours say about the story? Are they bright and vivid to reflect the excitement or are they gentle pastels designed to create a more sombre mood?

5 Encourage your Children to Predict What’s Going to Happen Next

Every now and then, get to the end of each page or chapter and stop reading.

Ask your child if they know what is going to happen next?

Can they predict what is going to happen next?

What clues can they learn to use to help them be better ‘reading detectives’?

Making bedtime a fun and attractive proposition for any child can just be a matter of using your imagination and being creative.

After all, the authors and illustrators put their heart and soul into creating your child’s favourite books; all you have to do is bring them alive.

You can help your children to learn different things from the children’s book series and they can learn about financial literacy for kids and life lessons.

Posted in Kids

How to Teach Kids About Money

When your children grow up and head out into the real world, will they be sufficiently prepared for the financial decisions they’ll have to make. Could these decisions have repercussions on their entire lives? Are schools educating them enough? And if not, what can you to teach kids about money, now, to help them?

How to Teach Your Kids About Money Before It Is Too Late

In this article, Cashfloat, a wage day advance direct lender, look at how to teach kids about money. We specifically look at financial education for kids. We will give parents tips and explanations about teaching children and the benefits to doing so.

Financial Education in Schools

Just over a year ago the Education Department made it compulsory to include financial lessons in the UK schools national curriculum. This means that teachers should teach all children aged 11 to 14 about:

  • Using money
  • Budgeting
  • Different kinds of actions which could constitute financial risks

Older pupils from ages 14 to 16 will receive more in-depth lessons about:

  • The differences between credit and debit,
  • Income and outgoings
  • Savings
  • Pensions
  • And, the many different kinds of financial products
  • How the state functions and uses public money that they raise for taxes

The importance of this addition to the curriculum can be understood when it appears that many people are unaware of certain things. Like, base rates, national government debt, government deficits and inflation. Moreover, many people do not give a thought to saving for a pension until they reach an age when it is impossible for them to accrue enough to receive a decent income after they retire.

It has taken a long time for the importance of financial education to come to the fore. However, there are still no lessons on offer to younger children at a primary school level. So, how can we help our children get to grips with the concept of financial affordability?

Financial Education at Home

Firstly, this is the one area where adults can help to forge a lifelong commitment to good habits regarding money. If you have bad financial habits of your own, these can be quickly passed along to children. So, the first step to teaching good habits is to look at your own attitudes to spending and saving. If you are constantly making impulsive purchases, often having to resort to payday loans to pay for them, these actions can pass on a message to children. Consequently, you are telling them that anything they want is available at any time. Therefore, when buying an expensive item or a special treat you should remind children that this has been saved for. Or, call it a one-off purchase and will not be available every week.

Of course, it is important that children are not be made to feel that they are expensive to keep. It would be damaging for them. It is damaging to be constantly reminded about the costs of everything bought. But, giving them an understanding of how money works and how to control spending is an excellent lesson. It will stand them in good stead all of their lives. Once your children reach an age where they recieve pocket money, teaching them the benefits of saving for specific items or saving a proportion of their money for the future is going to set in motion good financial habits.

Should Parents Protects Children from Financial Decision?

Furthermore, many parents feel that it is their job to protect children from financial decisions. This is very laudable. However, as soon as they are at an age to comprehend that money is needed to support their current lifestyle you can begin to include them in the decision making process. If there is a big family decision to be made about buying a more modern car or having a holiday why not include children in the discussion? This will give them some understanding of how, on some occasions, there is only enough money for one of the options. Also, it will enable them to be relaxed about discussing aspects of finance when they are grown up.

Choosing Between Needs and Wants

Teaching children the difference between what is needed and what you would like to have is one of the most important aspects of family financial affordability. If, every time your child asks for something you buy it (even if you can afford it), you are doing them a disservice. You don’t have to say that you cannot afford it but merely point out that at this moment in time you have decided not to buy it for them. Equally important is to point out the option for older children to do some household jobs to earn money if they so desperately need that new computer game. This not only teaches them about the value of working for what they want but also helps them to become more independent. Lessons like these will help children to appreciate, in the future, they are not entitled to everything they want just because they are family.

Teach Kids About Money, Finance and Saving Money

To teach your kids about money, finance and saving is just as important as teaching them about spending. And, this includes saving money on household bills like energy costs. When money is in short supply, it is a good plan to explain to your children what is happening. Stress the importance of turning off lights and computers or closing doors to keep the home warm. Likewise, explain how cutting costs for phone bills will allow you to have some money left at the end of the month. You will be giving them a good lesson about finances while also instilling good housekeeping attitudes. These can be invaluable later in life when your children are setting up their home of their own.

Conversations about Affordability

Finally, once you have started the conversation about what is affordable and what is not you can use this to get everyone involved in the financial aspects of the home. Your children will learn that just because you say ‘no’ you are not being mean.You will be teaching them that you cannot afford to buy that specific something at that moment in time. That is not to say it can’t be purchased in the future. But, it teaches your children not to expect what they want when they want it and delivers the vital message that deferred gratification also has its benefits.

Also, teaching the concept of saving for a rainy day will also send out the message that the future is unpredictable. While you don’t want your children to feel insecure, teach your kids about money management from an early age. It is the best way to prevent a financial meltdown when they have left home for university or to live in another town or even another country.

Teaching kids about money at any stage is going to take time on your part. It won’t always be easy. But if you want your children to know how to successfully manage their money when they get older, taking the time now will be worth it.

Posted in Financial freedom

15 Ways to Teach Kids About Money

If you don’t teach your kids how to manage money, somebody else will. And that’s not a risk you want to take! We’ll show you how to give your kids the head start you wish you had and set them up to win with money at any age.

How to Teach Pre-Schoolers and Kindergartners About Money

1. Use a clear jar to save.

The piggy bank is a great idea, but it doesn’t give kids a visual. When you use a clear jar, they see the money growing. Yesterday, they had a dollar bill and five dimes. Today, they have a dollar bill, five dimes, and a quarter! Talk through this with them and make a big deal about it growing!

2. Set an example.

A study by the University of Cambridge found that money habits in children are formed by the time they’re 7 years old. Little eyes are watching you. If you’re slapping down plastic every time you go out to dinner or the grocery store, they’ll eventually notice. Or if you and your spouse are arguing about money, they’ll notice that too. Set a healthy example for them and they’ll be much more likely to follow it when they get older.

3. Show them that stuff costs money.

You’ve got to do more than just say, “That pack of toy cars costs $5, son.” Help them grab a few dollars out of their jar, take it with them to the store, and physically hand the money to the cashier. This simple action will have more impact than a five-minute lecture.

How to Teach Elementary Students and Middle Schoolers About Money

4. Show opportunity cost.

That’s just another way of saying, “If you buy this video game, then you won’t have the money to buy that pair of shoes.” At this age, your kids should be able to weigh decisions and understand the possible outcomes.

5. Give commissions, not allowances.

Don’t just give your kids money for breathing. Pay them commissions based on chores they do around the house like taking out the trash, cleaning their room, or mowing the grass. Dave and his daughter Rachel Cruze talk a lot about this system in their book, Smart Money Smart Kids.

6. Avoid impulse buys.

“Mom, I just found this cute dress. It’s perfect and I love it! Can we buy it please?” Does this sound familiar? This age group really knows how to capitalize on the impulse buy—especially when it uses someone else’s money.

Instead of giving in, let your child know they can use their hard-earned commission to pay for it. But encourage your child to wait at least a day before they purchase anything over $15. It will likely still be there tomorrow, and they’ll be able to make that money decision with a level head the next day.

7. Stress the importance of giving.

Once they start making a little money, be sure you teach them about giving. They can pick a church, charity or even someone they know who needs a little help. Eventually, they’ll see how giving doesn’t just affect the people they give to, but the giver as well.

How to Teaching Teens About Money

8. Teach them contentment.

Your teen probably spends a good chunk of their time staring at a screen as they scroll through social media. And every second they’re online, they’re seeing the highlight reel of their friends, family and even total strangers! It’s the quickest way to bring on the comparison trap. You may hear things like:

“Dad, Mark’s parents bought him a brand-new car! How come I have to drive this 1993 Subaru?”

“Mom, this girl at school got to spend $10,000 on her Sweet 16 party. I want to do that too!”

Contentment starts in the heart. Let your teen know that their Subaru (although not the newest car on the block) is still running well enough to get them from point A to point B. And you can still throw a memorable, milestone birthday party without spending a chunk of your retirement savings funding it!

9. Give them the responsibility of a bank account.

By the time your kid’s a teenager, you should be able to set them up with a simple bank account if you’ve been doing some of the above along the way. This takes money management to the next level, and will (hopefully) prepare them for managing a much heftier account when they get older.

10. Get them saving for college.

There’s no time like the present to have your teen start saving for college. Do they plan on working a summer job? Perfect! Take a portion of that (or more) and toss it in a college savings account. Your teen will feel like they have skin in the game as they contribute toward their education.

11. Teach them to steer clear of student loans.

Before your teen ever applies to college, you need to sit down and have the talk—the “how are we going to pay for college” talk. Let your teen know that student loans aren’t an option to fund their education. Talk through all the alternatives out there, like going to community college, going to an in-state university, working part-time while in school, and applying for scholarships now.

While you’re at it, get The Graduate Survival Guide for them. It’s a must-have resource to help your college-bound teen prepare for the next big step in their life.

12. Teach them the danger of credit cards.

As soon as your kid turns 18, they’ll get hounded by credit card offers—especially once they’re in college. If you haven’t taught them why debt is a bad idea, they’ll become yet another credit card victim. Remember, it’s up to you to determine the right time you’ll teach them these principles.

13. Get them on a simple budget.

Since your teen is glued to their mobile device anyway, get them active on our simple budgeting app, EveryDollar. Now is the time to get your teen in the habit of budgeting their income—no matter how small It is. They should learn the importance of making a plan for their money while they’re still under your roof.

14. Introduce them to the magic of compound interest.

We know what you’re thinking. You can barely get your teen to brush their hair—how in the world are they supposed to become investment savvy? The earlier your teen can get started investing, the better. Compound interest is a magical thing! Introduce your teen to it at an early age, and they’ll get a head start on preparing for their future.

15. Help them figure out how to make money.

When you think about it, teenagers have plenty of free time—fall break, summer break, winter break, spring break. If your teen wants some money (and what teen doesn’t?), then help them find a job. Better yet, help them become an entrepreneur! These days, it’s easier than ever for your teen to start up their own business and turn a profit.

Change Your Family Tree

Teaching kids about money at any stage is going to take time on your part. It won’t always be easy. But if you want your children to know how to successfully manage their money when they get older, taking the time now will be worth it.

Posted in Kids, Uncategorized

Infants and Sleep

Most new parents are shocked by the constant interruption of their sleep that a newborn brings to the house. But there are ways to be there when your baby needs you, and still get some rest.

There are basically three schools of thought on this issue.

The first, made popular by the book authored by pediatrician Richard Ferber, advocates teaching babies over the age of three months to sleep through the night in their own cribs, by letting them “cry it out” for increasingly longer periods of time. While most babies eventually give up and fall asleep, the process is often traumatic for parents (and we can assume for the baby), and frequently needs to be repeated following any disruption in routine.

The second school of thought, practiced by advocates of the Family Bed, says that infants are hard-wired to sleep with their mothers, and nurse at night, for many months, probably until toddlerhood. They point out that babies who sleep with their mothers are less likely to die of SIDS (Sudden Infant Death Syndrome), and that the mothers get much more sleep. My personal experience is that the family bed was heavenly. Critics of this method express concern that parents might inadvertently roll on their babies in the night, and point out that babies who sleep with their mothers and nurse on demand take much longer to sleep through the night.

The third school, perhaps best represented by No Cry Sleep Solution author Elizabeth Pantley, understands that parents may desperately need some sleep and agrees with Ferber that babies need to learn to fall back asleep on their own, but argues that this can be accomplished without the trauma of letting babies cry it out.

How can you get some sleep, when your infant is still waking up to eat?

1. Sleep whenever and wherever you can.

Keep your baby near you while he’s still nursing at night, so you don’t have to get out of bed. Breastmilk is designed to be given every few hours. It simply cannot hold a baby for much longer. Rats, on the other hand, give their baby food much higher in fat, so that the mother rat can leave the babies for eight hours while she’s off foraging. Baby humans could not survive predators if they were left for long periods, so nature has designed them to require their mother’s presence fairly constantly. That means your baby needs to be nursed at night, for a minimum of six months and probably until she is a year old.

2. Afraid of rolling over on your baby?

Unlikely, since mothers are designed not to (unless her natural warning system has been interfered with by drugs or alcohol). There is actually evidence that babies who sleep with their mothers are less likely to die of SIDS because the co-sleeping babies’ sleep cycles are in sync with their moms’, and her presence stimulates him not to fall into such a deep sleep. There are experts who say that a father could suffocate a very young baby, especially if he’s had a drink before bed, so most safe co-sleeping checklists say to position the baby between mom and the wall rather than between the parents. However, the fathers I hear from tell me they’re very conscious of their baby, even while asleep. We know that Dads do have a hormonal response to becoming fathers, which includes a natural protectiveness toward the baby, so Paternal Instinct is as real as Maternal Instinct. I personally think that any Dad will be a better father if we honor his paternal instinct and give him the opportunity to sleep snuggled with his baby, but that’s an individual decision. In any case, make sure you set up your bed for safe cosleeping. Don’t start without reading this detailed checklist for safe co-sleeping.

3. If you don’t feel comfortable with your baby in bed with you, try a “Moses basket,” cradle or baby bunk within arm’s reach.

Some moms are such light sleepers that they just can’t get any sleep at all if the baby is in their bed. There are wonderful baby bunks that can be anchored to your bed, at the same level, and opened so that the baby has his own space but you can roll him into your bed with you to nurse.

Room-sharing decreases the risk of SIDS by as much as 50 percent, so even if you don’t want to have your baby in your bed, consider setting up a separate sleeping space for her nearby.

4. Learn to nurse lying down so you can sleep while he feeds.

It may take a week, while you get the hang of nursing, but learn to nurse lying down, so you can doze, and you’ll feel much more rested. Just wedge pillows behind you and between your knees for support, and put a folded blanket under Baby if necessary to raise him to the level of your breast so neither of you is straining to reach. He should be on his side, facing you.

5. Help your baby set her metabolic clock.

She doesn’t know it’s night and she should sleep. She’ll learn, eventually, but you can help your little night-owl adjust faster to the world outside your womb by making sure she doesn’t sleep all day. Take her out in the sun. Go for walks. Let her feast her eyes and ears on the wonders of the world. All humans really do sleep better at night when they’ve been exposed to fresh air and sunshine during the day. Also, you should know that babies who sleep with their moms end up synchronizing their REM sleep cycles, which means she’s more likely to treat night as sleep time and day as waking time. And of course, keep things dark and quiet at night. Nurse her when she wakes, and change her if you must (not all babies are sensitive enough to require changes at night), but don’t make it into playtime.

6. Take a long maternity leave, so you can nap when your baby naps during the day.

This is the golden rule. Forget the shower, who cares? Go for the nap.

6. If your partner can take the baby in the morning to let you sleep in for an hour, it can make all the difference in the world.

Don’t feel guilty about it. Eight hours of sleep with interruptions to feed your baby is not the same as the eight hours you used to get. You need lots more now.

7. Go to bed early.

When you were pregnant you did it. Don’t feel bad about it, this is not the time to resume an active evening life. You have the rest of your life to stay up late.

8. Encourage sleep associations that your baby can control.

You can begin, even from early on, helping your baby learn to fall asleep without sucking or being held. This is a gradual, gentle process.

You can help your children to learn different things from the popular children book series and they can teaching kids about money and life lessons.

Posted in Kids

How to Clean Your Child’s Stuffed Toys

Stuffed animals — teddy bears and bunnies and Minions — aren’t like us: They cannot bathe away drool and dead skin and snot. But your child’s beloved bear needs an occasional soak and scrub, too!

Washing a stuffed animal is easy. But some plush toys are older, or more delicate, than others. Hand-laundering will be the right option for those well-worn toys, while machine-washing is fine for most stuffed animals. Here we’ll cover the best practices for both approaches, as well as tips for cleaning toys that cannot be submerged in water, such as dolls with electronic components.

But first, some unwelcome news, perhaps: Stuffed animals, along with bedsheets and towels, are high on the list of items that should be washed after your child has been sick. Otherwise, look to give Winnie the Pooh a washup only when he appears visibly dirty or no longer passes the smell test.

Machine washing plush toys

Stuffed toys like teddy bears or bunnies can be machine washed, which will be the easiest choice for most parents. However, you run the risk of damaging some toys by throwing them in with the wash, especially when it comes to cleaning well-loved (and well-worn) stuffed animals. Be sure to look for the manufacturer’s washing instructions by checking the care tag when deciding if machine washing is the best option: You wouldn’t want to mangle Mr. Buttons. If you choose the machine-washing route, here’s where to start:

  • Use the gentle cycle and cold water, though if a child has been sick and the toy can tolerate it (for example, it does not have glued-in parts), warm or hot water can be used.
  • A mild detergent, like a free and clear formula or Woolite, is ideal, but regular detergent is fine — no need to purchase a separate detergent for washing stuffed animals. Follow the instructions on the bottle and don’t use too much detergent, as soap residue left behind can irritate sensitive skin.
  • If the size and shape of the stuffed animal allows for it, put the toy in a mesh washing bag to help protect parts like eyes and hair. You can also pad the load with towels to help protect toys.

Machine drying is O.K. for some toys, though it’s not always the best option because many plush toys have glued-in or plastic parts that might not survive the high heat of a dryer. If you do choose to machine dry a stuffed animal, use the no- or low-heat setting. A better choice, though, is to air dry plush toys, because fur can get burned in a hot dryer; place the toy near a fan or a dehumidifier to speed up drying time and ensure that the inner stuffing doesn’t retain water. If the toy appears matted after its bath, using a hair dryer on low or medium heat can help restore a furry friend’s fluffiness.

Hand-washing plush toys

Not all stuffed animals are created equally, so when it comes to an especially beloved Teddy or Bunny or Squirrely, hand-washing is the better way to go. Do not be daunted! If you can wash a child, you can wash a stuffed animal (stuffed animals are easier … less squirmy).

To wash a stuffed animal or doll by hand, you need three things:

  • A clean space that can hold enough water to fully submerge the toy, like a kitchen or utility sink, or a large bucket.
  • A mild detergent. Wirecutter, a New York Times company that reviews and recommends products, likes Soak, which is a no-rinse formula, for hand-washing.
  • A clean, dry towel.

Start by filling the sink, or whatever space you’re using, with enough cold or warm water to fully submerge the stuffed animal, then add a teaspoon to a tablespoon of detergent per gallon of water. Submerge the toy and use a pumping motion — as if you were performing C.P.R. on Teddy — so that it’s saturated with water and detergent. Allow the toy to soak in that solution for 15 minutes, or up to an hour, before rinsing; more delicate toys should soak for less time to avoid damaging their fibers. When it’s time to rinse, you can either hold the toy under cool running water or drain and refill the sink with clean water, repeating the pumping motion to get rid of soap residue. The latter method is more gentle and will be best for especially tattered toys. Regardless of the state of the stuffed animal, it’s recommended that you not scrub vigorously or wring it out: Over handling can lead to damage.

To dry a plush toy after hand-washing it, drain the sink and press down gently on the stuffed animal several times to push out as much water as you can, then roll it up in a clean dry towel, which will pull out more water. Allow the toy to air dry, using the lowest heat setting on a hair dryer to fluff up the animal if needed. A slicker brush, like those used to brush out dogs and cats, can also be pressed into service to groom Teddy’s fur.

Cleaning toys with electronic components

Spot treating is the method of choice to clean toys that cannot be submerged because they have electronic or musical components. Spot treating involves doing a surface-only cleaning of the toy, by wiping its exterior using a damp cloth and a mild soap. Karpas recommends using a foaming hand or dish soap. “It’s less dense, and less concentrated so it takes less effort and less moisture to remove a tiny bit of foaming soap than it does a tiny bit of regular soap,” she said, “The point is to try to avoid soaking that inner stuffing.”

You can help your children to learn different things from the children’s book series. If you want to know more about how to teach kids about money please just drop your comments in the comment section.

Posted in Discipline in kids

The Scaffolding Method in Early Childhood Education

teacher reading to a group of preschool students

In education, there are a variety of different teaching methods all designed to help children learn effectively and thoroughly. Some methods work well together, while others do better when they are applied individually.

Scaffolding (also known as scaffold learning, scaffold method, scaffold teaching, and instructional scaffolding) is a very popular method in early childhood education. It functions well when applied alongside other strategies and works similarly to how scaffolding is used in construction. 

What Is Scaffolding?

When building, scaffolding is a temporary structure used to support a work crew and materials to aid in the construction, maintenance, and repair of buildings.

The philosophy is similar in early childhood education and works almost the same way to build independence in children.

It can also involve teaching a child something new by utilizing things they already know or can already do.

How Scaffolding Works in Early Childhood Education

When using scaffolding with young children, a teacher will provide students with support and guidance while the students are learning something new and age-appropriate or just slightly above what a student can do him or herself. As the children learn the skill, the support is lessened as their abilities develop and until they can do the new skill all on their own.

Scaffolding works best when educators employ the method in different ways, including:

  • Making suggestions: If a child is having trouble completing a project, an educator could offer hints or partial solutions that might help solve the problem, while still encouraging the child to problem solve on their own. For example, “That block tower keeps falling down. One way we could fix it is by putting all the bigger blocks on the bottom. What other ways do you think we could help it stay up?”
  • Asking probing questions: This encourages a child to come up with an answer independently. In the block tower example, a teacher could ask, “What do you think would happen if we didn’t build the tower quite so tall?”
  • Using demonstrations: In the block tower example, an educator who is scaffolding could make their own smaller version of a block tower to demonstrate how the blocks work best.
  • Introducing a prop: Additionally, the teacher could encourage the child to use different resources to help the block tower stay up and think out of the box by coming up with a creative solution. “What do you see in our classroom that would help support our block tower? Maybe if we turn that pencil holder upside down, that could help. Can you think of anything else?”
  • Posing limited-answer questions: If a child is having trouble coming up with an answer to a question on their own, a teacher who’s scaffolding can provide multiple answers to choose from in order to help the child come up with a correct response independently.
  • Providing support: When a task is proving tough, the teacher could help a child think through alternatives. Or get a child off on the right foot by discussing the steps needed to complete a task.
  • Offering encouragement: Praising a child for attempting or completing a task, with even a simple “Good job!” increases a child’s confidence and sense of self-competence.

In early childhood education, scaffolding can be implemented in many ways. For example:

  • If a child knows how to draw a straight vertical line, you can then show them how to draw a straight horizontal line. Once those two skills are mastered, they can put it together to draw a square.
  • Once a child recognizes a specific letter, you can teach the sound and then words that start with that sound.
  • A child that can use safety scissors can utilize that skill to use a hole punch.

Why Scaffolding Aids Child Development

Scaffolding is helpful because it helps young children who are new to a school environment build confidence while learning.1 If a child gives the wrong answer to a question, a teacher using a scaffolding method can use that incorrect response coupled with a previously learned skill to help the child come to the correct conclusion on their own.

You can help your children to learn different things from the children’s book series and teaching kids about money and life lessons.

Posted in Parenting

How to Prevent Overheating in Pregnancy

Pregnancy can be hot. In fact, with 40% more blood pumping through your body in order to nourish your baby, combined with the effort it takes to carry around an extra 20 to 30 pounds, your pregnant body is bound to get hot because of all the work it is expending. This also means that you sweat more and dehydrate more easily.

Even your heart has to work harder. Keep in mind, that it enlarges a little during pregnancy and moves to the side to accommodate the fact that your uterus now occupies more space in your body. Its increased size and new location means it also is working harder.

Consequently, with all these changes it is only natural that your body is working harder to cool your entire system. For this reason, it can be particularly easy for a pregnant body to overheat quickly. And, when this happens, both you and your baby could be at risk for complications.

What Is Considered Overheating?

When your temperature rises to 102 or 103 degrees Fahrenheit, this is considered overheating or hyperthermia. Typically, this temperature is caused by dehydration, spending too much time in the sun, or sitting for too long in a hot bath. But, sometimes there is an underlying medical condition, an illness like the flu, or an infection that causes such a high temperature.

Either way, overheating is not something you should ignore. Regardless of the root cause of your elevated temperature, when your body overheats, it is important to seek medical attention right away. There are too many risks associated with overheating to simply ignore your high temperature and hope that drinking some water and sitting in front of a fan will bring it down.

Symptoms of Overheating

Sometimes pregnant women will overheat and not even realize that their internal body temperature is elevated, especially on a hot summer day. Still, it is important to pay attention to how you are feeling. Getting overheated while pregnant can be a big deal, especially if the high temperature is prolonged. Here are some signs that your body may be overheating:

  • Feeling weak, tired, or lethargic
  • Experiencing dizziness or like the room is spinning
  • Feeling lightheaded, off balance, or like you might faint
  • Experiencing extreme thirst, dehydration, or reduced urine output
  • Feeling sick to your stomach
  • Experiencing chills or excessive clamminess
  • Sweating profusely that does not stop despite attempts to cool off
  • Feeling like your mouth is filled with cotton or very dry
  • Having cracked, dry lips

In extreme cases, you may even begin to vomit or even experience painful contractions. If this happens, do not delay in getting medical attention right away.

Causes of Overheating in Pregnancy

While there are any number of reasons why you may begin to overheat, there are some factors that are more likely to elevate your body’s temperature than others. For this reason, it is extremely important that you use caution when you are pregnant, especially when it is hot outside or you are in a warm area. Some examples of contributing factors include:

  • Being physically active for an excessive amount of time, especially in hot conditions
  • Walking or hiking for a long time on a very hot day
  • Participating in strenuous exercises for an extended period of time
  • Engaging in exercises in a poorly ventilated gym or workout area
  • Sitting in a sauna or a hot tub
  • Spending long hours at the beach or pool on a very hot day
  • Soaking in a very hot bath for an extended period of time
  • Developing an infection or an illness like the flu
  • Getting a really bad sunburn

Risks Associated With Overheating

At first, overheating may not seem like that big of a deal. After all, when you aren’t pregnant, you usually just need to drink more water and cool off if you feel yourself getting hot. But when you are pregnant it is not always that simple. Your temperature can rise quickly if you are not careful. And if it does, there are a number of risks to both you and your baby.

In fact, research indicates that when your body temperature reaches 103, that it can lead to neural tube defects in your baby, which usually means that the neural tube fails to close after 25 days of conception.

Overheating has been linked to fetal growth retardation, intrauterine deaths (stillbirth), and neural abnormalities. Finally, a high fever also can lead to a cleft lip and palate in the baby. Here are some additional ways that overheating can impact you and your developing baby.

Causes Dehydration

When your temperature is above 102 for longer than 10 minutes, both you and your baby will be impacted. It also can cause you to become dehydrated and when that happens it can put a strain on the liver and the kidneys for both you and the baby. In severe cases, dehydration can cause swelling of the brain, kidney failure, seizures, and even death. For this reason, it is important that pregnant women drink at least eight to 12 glasses of water a day, and sometimes more when factoring in exercising and hot climates.

Impacts Amniotic Fluid Levels

Amniotic fluid, found in the amniotic sac, is what surrounds the baby and protects it from the external world. It also is what allows the baby to move freely and develop. And it plays a crucial role in helping to regulate the temperature so that your baby does not get too hot or too cold. But when a pregnant women overheats or becomes severely dehydrated, this can impact the level of amniotic fluid available to the baby. When this happens, there is a greater risk of birth defects, miscarriage, and even pre-term labor.

Causes Pre-Term Labor

Overheating later in pregnancy can lead to pre-term labor or irritable uterus. With an irritable uterus, contractions can feel like Braxton Hicks, but sufferers are nearly twice as likely to go into labor early. Not only can dehydration result in pre-term labor, but it also can lead to complications such as a compressed umbilical cord.

Increases Urinary Tract Infections

Overall, pregnant women are more prone to urinary tract infections primarily due to hormonal changes. Combine this with the fact that dehydration and overheating also increases the likelihood of UTIs, and you can see why the chances of getting a UTI are a natural consequence for pregnant women. And, when left untreated, research has shown that UTIs have been linked to low birth weight and pre-term labor.

Tips for Avoiding Overheating

You probably already know that you shouldn’t sit in a hot tub or spend any time in a sauna when you are pregnant. You may even know that taking a really hot shower or bath is not a good idea. But what may surprise you is the fact that you can get overheated taking a walk on a hot day, especially if you are dressed too warmly. It’s also easy to get overheated during your exercise class, especially if the gym is hot or poorly ventilated. Here are some additional tips to help you prevent overheating.

Stay Hydrated

While everyone should drink more water, for pregnant women staying hydrated is particularly important. Water not only helps keep you cool, but it also helps reduce swollen hands and ankles. Try carrying water with you wherever you, especially if you are traveling. Do not wait until get thirsty to drink water because by then it may be too late.

Staying hydrated also means you should cut out caffeine as well. Most doctors indicate that you should avoid caffeine while pregnant. Aside from the impact caffeine has on your developing baby, it also increases blood pressure and the temperature of your body. It also can lead to dehydration, especially if you are drinking soda instead of water. If you really just cannot stomach the idea of another glass of water, try adding fruit like lemon or orange to your water, or opt for a smoothie instead.

Avoid Prolonged Exercises

In fact, you should not exercise more than 45 minutes at a time and stick to low-impact exercises. Water aerobics is a great activity to do while you are pregnant because it not only puts very little stress on your body, but it also takes place in a cool and refreshing environment.

But if water aerobics is not your thing, be sure that you exercise in a cool, well-ventilated area. For this reason, you should avoid exercise environments that are intended to be hot like “hot yoga.” Remember, if you are overexerting yourself for extended periods of time or working out in extremely hot or humid conditions, chances are high that you will overheat. Doing moderate exercises in normal temperatures results in a minimal increase in core body temperatures.

Wear Loose Clothing

When choosing your maternity clothing, the key is to look for light and loose clothing. You want to wear breathable, natural fabrics such as cotton. You also should look for things that fit loosely or “flow” with your body. These types of garments allow the air to circulate. It also helps to make sure your shoes allow your feet to breathe. Even if it is winter, you want to wear comfortable shoes that allow your feet some room. Also, keep color in mind too when choosing your clothes. Black tends to absorb sunlight and make you feel warmer when you are outside. Meanwhile, sunlight bounces off light-colored clothing.

Eat Cool Foods

Water-rich fruits and vegetables can do wonders at helping you keep cool. Some good options include melons, berries, cucumbers, oranges, and grapefruits. Even raw lettuce, celery, and carrots can help keep you cool. If you want something a little different, try popsicles made with fresh juices or a cold soup. Even a little natural yogurt with fresh fruit can be a cooling choice. And while ice cream sometimes isn’t tolerated by all pregnant women, if you are able to eat, it can be a refreshing treat as well.

Look for Shade

If you live in or are visiting, a hot climate, be sure you take precautions. Staying outside in the hot sun can be taxing on your body even if you are diligent about your water intake. As a result, try to limit the amount of time you spend in extreme summer heat. Try going outside in the mornings or in the evenings when the sun is not as hot and the temperatures are cooler. And, if your area is experiencing a heat advisory, be sure to do what you can to stay inside in a cool environment.

If you have to be outside at a family event or a work function on a hot day, look for some relief from the heat. Stay in the shade if you can. And, if the opportunity to go inside exists, take advantage of it. There is nothing wrong with sitting in an air-conditioned house or in front of a fan while you are pregnant. If you are at a park and there are limited options for cooling off, limit your stay or take a break in the car with the air-conditioner running. You should never feel bad for taking the time to cool off. Doing so shows your wisdom and responsibility when it comes to being pregnant.

While the risks of overheating are real, this does not mean you have to stay indoors all the time or avoid exercising. In fact, you absolutely should get outside and enjoy the fresh air. What’s more, exercising during pregnancy is encouraged for most pregnant women. As long as your doctor says it is OK, you should be able to exercise in moderation in a cool environment. Just be sure to stay cool and hydrated. And, listen to your body. If something feels off, do not push yourself. After all, you have a growing baby inside of you to consider as well.

As well as with yoga, you must focused on your Kids nutrition and ensures a well balanced combination of protein, calcium, iron and the B vitamins in their diet.

Posted in Parenting

How to Ask for Parental Leave When You’re an Hourly Worker

When you’re an hourly worker, parental leave is seldom guaranteed, but a patchwork of solutions can help.

The Gist

  • Get educated about your eligibility for job-protected, unpaid leave under the Family Medical Leave Act and equivalent state and city laws.
  • Check your employee handbook, calculate your sick leave and, if you’re in a union, see if it has negotiated parental leave. 
  • Know your rights concerning pregnancy discrimination and accommodations for pregnancy-related disabilities, including recovery from childbirth.
  • Call a legal hotline so an attorney can advise you in advance, and find an advocate in your community.
  • Talk to co-workers to see what leave they got; and when you tell your boss about your pregnancy, take notes and be on alert for discriminatory remarks. 

Although decades of research have shown that all parents need time off to care for their child — and to care for themselves — one in four American women returns to work less than two weeks after having a baby.

Of the nearly 20 percent of people who work part-time, two-thirds are women in low-wage jobs. Many hourly or low-wage workers can’t afford to take unpaid time off — and few get paid leave. Only 4 percent of the lowest-paid private-sector workers get paid leave, compared to 27 percent of professionals. The United States is one of only two countries in the world without a national paid family leave policy. And while the federal Family Medical Leave Act gives eligible workers the right to 12 weeks of unpaid, job-protected time off, it covers only 60 percent of the workforce.

For this guide, I consulted researchers, sociologists, women’s rights advocates, an economist and attorneys to find out how hourly workers can understand and exercise their rights to parental leave. 

Know your federal rights

Under the F.M.L.A., you are eligible for 12 weeks of unpaid, job-protected time off only if you work for a company with more than 50 employees within a 75-mile radius and have worked at your job at least 1,250 hours (24 hours weekly) during the previous year. Married or unmarried workers, regardless of sexual orientation, are eligible if the child is biological, adopted, a foster child, a stepchild, a legal ward or a child of a person acting “in loco parentis” — in place of a parent. Jared Make, senior staff attorney and director of LGBTQ rights at the legal advocacy organization A Better Balance, said, “Generally, if you’re raising a child and engaged in day-to-day parenting responsibilities, you are acting in loco parentis and can qualify as a parent for bonding leave.” A Better Balance has an overview of LGBTQ rights under the F.M.L.A.

Federal law gives you rights even before you give birth: The Pregnancy Discrimination Act and Americans with Disabilities Act make it illegal for employers with 15 or more employees to treat you unfairly while you’re pregnant or, in certain cases, if you have a pregnancy-related medical disability, such as gestational diabetes or cervical incompetence. 

Know your local rights

State and local laws may provide additional benefits. California, New Jersey, Rhode Island and New York provide paid family and medical leave benefits covering most private-sector workers in their states, said Molly Weston Williamson, senior staff attorney at A Better Balance. Washington State and Washington, D.C., will provide paid leave in 2020, and Massachusetts will do so in 2021. (See this quick reference chart.) The organization also has a guide to search your state rights nationwide.

In 25 states, the District of Columbia and four cities, laws require employers to provide reasonable accommodations for pregnant workers. If you are terminated right after birth, that could also be considered pregnancy discrimination, Williamson said.

If you live in California, New Jersey, New York, Rhode Island, Puerto Rico or Hawaii, you may qualify for Temporary Disability Insurance. “This law gives you the right to money in your pocket to partially make up for the loss of your paycheck when you’re unable to work due to ‘off-the-job’ — meaning not workers’ comp — illness or injury,” said Williamson. Your benefits may kick in if you have a pregnancy-related disability. “When you have given birth, your doctor will certify you for a period of time as disabled for purposes of T.D.I.,” said Williamson. Women in these states can organize maternity leave this way: disability benefits for recovery from childbirth followed by paid family leave benefits for bonding. The terms and the amount of money you get differ per state.

No federal laws guarantee paid sick leave, a worst-case option. Check to see if you live in one of the 11 states or district that have paid sick time laws on the books. 

Assess Your Situation

Think hard about your relationship with your boss and whether you feel safe coming forward, said Shilpa Phadke, vice president of the Women’s Initiative at the Center for American Progress: “The power dynamic between your boss and you is real.” Understand the dynamics of the workplace, and see who else has taken leave, Phadke suggested.

When Melissa Carlile-Price, an actor and restaurant worker, told her shift manager at Union Square Café in New York that she was pregnant, the manager immediately asked her what she needed. She wanted to work eight hours maximum and no double-shifts. Management agreed. In her third trimester, her manager kept her on the first floor so she wouldn’t have to climb stairs. These concessions made pregnancy while waiting tables more tolerable, she said. “The management team was constantly checking in on me, making sure I was comfortable, drinking water and getting breaks.” She wasn’t eligible for F.M.L.A. leave, but the human resources department guided her and her husband, a caterer, through New York State’s Paid Family Leave, which gave them job-protected paid time off.

Not everyone is so fortunate.

Clayshawn Wilson had been working for six months as a relief manager for an ezStorage facility in Maryland when she delivered her fourth child. Because she did not qualify for F.M.L.A., she returned to work five days after the birth. “I couldn’t afford to lose my job,” she said. She took three days off without pay, in addition to the two unpaid off-shift days she had. She suffered from severe back and belly-button pain, and although her doctor had asked for accommodations, she received none, she said.

She spent her days cleaning storage doors and bathrooms, sweeping, vacuuming and renting units. Terrified of being homeless with four kids, she did not quit. But things did not end well. The company fired Wilson, who went on to collect unemployment. Calls and messages left for Nancy Delach, ezStorage’s HR manager, were not returned.

Unionized workers have some protection against being dismissed from their jobs if they ask for leave, unlike their nonunion counterparts. “It’s also safer for them to make the request,” said Ruth Milkman, professor of sociology at the City University of New York Graduate Center. “Under most union contracts, workers can only be fired for good cause — in contrast to nonunion workers who fall under ‘employment at will’ and can fired at any time,” she said.

If you don’t feel safe coming forward individually, consider banding together with others, suggested Vicki Shabo, vice president at the National Partnership for Women & Families. Under the National Labor Relations Act, employers cannot retaliate against employees for talking about their benefits with one other. 

Prepare before telling your boss

Remember that you’re asking for something reasonable and be ready for a variety of reactions. Our experts recommended the following approach:

Go into the conversation with eyes open. “Talk to employees who have been through it before, bring it up with human resources, check employee handbooks and make sure you’re up on federal and state law,” said Elizabeth Gedmark, senior staff attorney and director of the Southern Office at A Better Balance.

Go in with a plan. “If you work at a retail outlet, maybe there’s another employee who works part-time who would be willing to pick up extra shifts,” said Morris. Reassure your boss that you’re committed to the job, and that your job is critically important to your family’s financial security. “For most decent human beings, hearing that someone’s income is critical to putting food on the table and a roof over their baby’s head, that will go a long way.”

Take careful notes. “When you go in to talk to your boss or HR about your pregnancy, write down the date, time, who was there and any comments that may have offended you,” said Gedmark. “Note if your boss said ‘Joe had surgery and needed time off — but we can’t do that for you.’ Write down anything that can be considered ‘discriminatory intent,’ ” she said.

Email those notes to yourself on your personal email. They should be time-stamped.

Stress that turnover costs make you worth keeping. If you earn less than $30,000 annually, it costs 16 percent of your salary to replace you. Remind your boss of indirect costs. “It matters if everyone in your shop knows that you fired a pregnant woman who asked to take a month off work,” said Morris. 

If you have to quit to get leave, stay in touch. “Even if you don’t have job protection, tell your employer that you will reapply for your job after you have the baby, and stay in touch while you are on leave, so they don’t forget you,” said Brown.

At the time of pregnancy, managing your wife’s emotions is a difficult thing because she needs more care and attention, if you want to learn more about it then please drop your comments in the comment section.

Posted in Parenting

The Costly Burden of Day Care and Preschool

A YouGov online survey created in collaboration with NYT Parenting found that some parents are going into debt to pay for child care.

After the birth of her second child, Erica Jefferson of Rapid City, S.D., was faced with a choice: Pay her student loan bills or pay more than $1,000 a month for day care. She chose the latter.

Keeping her job — she works as a claims processor for a funeral insurance company — was a necessity. Her husband, a veteran, was injured in the military and cannot work or physically care for their 18-month-old.

“That became a real struggle for us,” she said.

Having already exhausted her ability to defer her student loans, she opted for forbearance, a repayment option that typically requires only interest payments, but fell behind on those payments as well.

“My kids, they always have clothes on their backs, new shoes — they’re always well fed — but for me …,” her voice trailed off. “I have to pay day care. I have to pay rent.”

Ms. Jefferson, 32, is certainly not alone in the struggle to pay for child care. While there has been a lot written about the high costs of child care in general, we wanted to learn more about how day care and preschool expenses are affecting parents right now.

NYT Parenting worked with YouGov, an international polling and market research company, to create a brief online survey that offers a quick, informal snapshot of the costs faced by parents of children around the country enrolled in preschool or day care. Of the 1,027 parents who responded, 28 percent reported that day care and preschool expenses were a “very significant financial strain,” and 20 percent reported going into debt to manage these expenses.

[Finding the right day care can be a long journey.]

According to YouGov, the median amount spent on preschool and day care was $400 a month, and 22 percent of the parents said they spend $1,000 or more.

YouGov collected the data between Aug. 1 and 6, drawing respondents from a database of 1.2 million people who agreed to take online surveys. The survey represented parents from a cross-section of the country, about half of whom reported living in a city.

One limitation of the study, aside from its small sample size, was the use of unverified self-reported data gathered online. In addition, when the respondents were asked about their day care and preschool costs, they were not asked to distinguish whether their costs derived from day care, preschool or both.

The survey did not include costs associated with nannies or babysitters, which can also drain a family’s finances.

Child care has become one of the biggest expenses faced by families in the United States. According to the Economic Policy Institute, annual infant care, on average, costs thousands of dollars, ranging from about $5,400 in Mississippi to more than $24,000 in Washington, D.C.

The costs are so great, they can absorb one person’s entire salary.

Maya Polack, 35, of Scotch Plains, N.J., left her career as a high school teacher in 2014 after her family was confronted with the high cost of child care.

“We looked at day care costs and quickly realized my salary would solely be for day care, gas, mileage, etc.,” she said. “So we had to ask ourselves: Do I love work enough? Because I would be working to keep our son in day care.”

Ms. Polack, now a mother of three, said she made the right decision for her family.

“In the end, it’s wonderful because I get to watch these three crazy monsters grow up,” she said. “For me, going back to work wouldn’t be a break from the kiddos but rather dealing with 200 more kiddos. And I really don’t see how I could have been a great teacher while being a great mother because of how much time is carved out for the students.”

Other parents said they try to navigate the huge burdens of child care by spacing their children far enough apart to minimize day care costs.

Despite the high costs involved, day care workers barely make a living wage. According to the Bureau of Labor Statistics, the average hourly wage for child day care services is $11.11.

Kristy DeConti, who owns Natural Learning Community Children’s School in Weatogue, Conn., has a master’s degree in early childhood special education and two decades of experience working in child care. Her yearly salary amounts to about $30,000, she said, and her seven employees earn between $13.25 and $16.50 an hour.

“I struggle with the same things everybody else does. I have $40,000 in student loan debt. I have two children. I have to pay for before- and aftercare for my older one,” she said. “But I don’t think people see that side of it.”

Ms. DeConti’s 3-year-old attends her day care, which saves money, but also reduces the number of children she can enroll.

“If I filled that spot, then that’s almost $13,000 more that I could be making a year,” she said.

Connecticut voted this year to raise the state minimum wage to $15 by 2023.

“I mean, I just don’t even know what I’ll do,” Ms. DeConti said. “Each year we’re trying to slowly increase tuition so we don’t lose a lot of families, but at the same time me and my family are barely surviving financially because of that.”

As for Ms. Jefferson in South Dakota, she said she fell so far behind on her federal student loans that this year the Internal Revenue Service took her entire $8,000 tax refund, money her family was counting on to replace a car that had broken down.

But in recent months, after earning extra money from overtime, Ms. Jefferson has begun making payments toward her student loans again. Her family’s budget still remains tight.

“I’m supposed to get paid tomorrow,” she said in an interview last week. “And right now I’m trying to figure out how I’m going to pay some of the bills, and buy food and diapers.

Everyone has to maintain a financial budget and how much money should you save before having a baby, it’s difficult thing but you can learn about it just drop your comments in the comment section.