TWO SIDES OF THE SAME COIN

TWO SIDES OF THE SAME COIN

Financial stability is a goal we must continually keep in our sights. Even if we attain it once, it is a bit like the horizon, always out there for us to keep working towards, recommitting to the principles that keep us on the path. Like footsteps one after another, here are three steps that we just keep repeating anytime we receive income and must decide upon the outgo:

  • Pay it forward first (donations to causes you deem worthy! Tithing and generosity affect more than our wallets — our very character)
  • Pay your future self (savings),
  • Pay stores: for needs first, then wants. SPEND WISELY.

Be willing to sacrifice for the sake of stability. Realize that peace of mind is priceless.

Knowing that you can pay for the flat tire,  stitches or broken window brings peace that you know you can pay for the expense without touching your monthly budget.

Develop the attitude that less really can be more. Simplify! Embrace the concept of ENOUGH.  

Work together to make things work: Value ALL the work necessary to make a family successful, whether or not it brings in financial income. 

When  A child is learning they may attempt to put the round block in the square hole, or the square block in the triangle hole.  They may become frustrated and believe it won’t work.  As they observe you putting the right block in the right hole they desire to model after you.   They try and try until they begin to recognize and understand the shape matches the hole it fits into.  We too believe things won’t work until our perspective becomes clearer.  As we learn from others we too can see more clearly how that budgeting is like fitting the right piece in the right place.  It too can work for us.

Pay God first (tithing).

A common phrase we all have maybe thought or heard from others “ I can not afford it”  “There is not enough money”  

As you do your best to make ends meet sometimes it doesn’t seem to be enough.  Many people go year to year living paycheck to paycheck.  When writing your budget many times the total ends with a negative balance. .  You are not alone and this is a very common lifestyle for many.

It has taken me many years to change my understanding of how to manage the outgo of our family finance. 

 We are right when we pay the bills first that leaves nothing left for God.  

We think about our temporal needs first.  We need shelter, food and clothes so that goes to the top of our list.  No one wants to go hungry, naked or be out in the cold.  So it is natural to rationalize why that would be our first expenses. 

When we take a step back and recognize that our source of temporal needs come from the earth.  Who created the earth?  Who provided the means to have food at our table, Clothes to be made from the earth also from animals and our homes are made from the very earth substance to provide our shelter.  Our creator made all things possible through all he has blessed this earth with.  

I would like to use the example in the personal finances self reliance manual page.41( The Church of Jesus Christ of Latter Day Saints)

In our possession we have sand, a big rock, pebbles and a glass jar.

If we took the empty jar and filled it with sand half way then tried to place in it the bigger rock and a few pebbles we would find it difficult to fit it all in the jar.  This is the most common way we arrange our budget

But what if we put the bigger rock first and the pebbles then poured in the sand you will find that everything could fit in the jar. 

As we take into account that all we have comes from God.  He knows our needs before we do and he will provide us with the means as we put him first into our lives.  Spiritual and Temporal.

Let us Rearrange our financial priorities – Put God first by listing him at the top of your budget giving back to him.10 percent 

Take the Challenge and Put God first.  

Example:

  • Income: 1000
  • Rent – $300
  • Utilities $150
  • Groceries- $200
  • Dentist-CC $150
  • Clothes-CC $100
  • Car Repairs- $50
  • Gas- $50
  • Total- $1,000

Example:

  • Income- $1,000
  • Tithing- $100
  • Save- $100
  • Rent $300
  • Utilities- $150
  • Groceries $200
  • Gas- $50
  • Car- $100

Take a look at the second budget:  we have an added line for Save. Paying yourself is like adding the pebbles in the jar.   You allocate that toward expenses ahead.  Doctor visits, vacations, surprises that you don’t expect.  It is less of a stress when you are prepared than wondering where it will come from.  Also if you don’t have a car payment set the car money aside for car repairs, oil changes and insurance.  

Being Prepared is best.

After learning about paying God and paying ourselves we became more financially self sufficient.

We set up various accounts: 

 Hsa if your job offers it.  Takes out money before taxes and is allocated for health care expenses.  

Car Expenses – Insurance, repairs, tires, also new car if needed

Family Vacation – Trips, outings, family time

Home Expense – The unexpected expenses, Utilities, insurance, 

 

Create accounts that meet your needs. 

After you access your needs, pay them next and make sure you are spending your income wisely.  

Rent, Utilities, food, gas and clothing when setting up your budget.  Make sure you keep to your needs.  Wants will fall into place later when your savings allow for such purchases. 

IF we do not take the time to pay ourselves we start feeling left out and when an emotional roller coaster comes we make rash decisions.  One is eating out when stressed, shopping spree and other impulse buying.  If you have your budget allocated with a purpose. This can help you spend wisely the income you worked so hard to get. 

Our family has a list of places to go where it is free.  Hiking in the mountains, bike riding trails around the city, Parks, and Taking walks in the neighborhood.

Libraries can be fun places to visit. Also 

Budgets come in all shapes and sizes.  What works for one person will not especially work for another. We also find that our life situations change. We add children that increase the needs and as they grow older and leave the home your budget needs may decrease.   You also may have medical needs (Mental, Physical) So what Budget is right for you?  As we explore a variety of styles of budget remember that it takes time to achieve the desired results. 

Photo by Richard on Unsplash

Tips to Survive & Thrive – For Mothers of Newborns

Tips to Survive & Thrive – For Mothers of Newborns

By Annette T. Durfee

You have waited and waited AND (have I mentioned?) WAITED for this day!  Nine months – give or take –  and now, couldn’t you just stare hour after hour, at this little bundle of joy?   Can you even believe it?  Your thoughts have centered around this little one almost every minute of every day.  And – phew! After discovering why it’s called “labor!”  the baby has (FINALLY) arrived!  Way to go Mom! 

Having crossed the finish line, you now experience the newfound joy of cradling your baby in your arms versus your tummy! The sheer wonder of a new life placed in your arms fills you with anticipation of your life together. Caressing that sweet downy soft head. Kissing each tender tiny toe and marveling as you trace those little eyes, nose, lips, ears, which you longed to see.  Those mini-fingers wrapping their adorable frailty and dependence around your soul. 

Wonder and joy sit side by side with the exact opposite – nagging feelings of exhaustion, inexperience, frustration. The discomforts of pregnancy are now replaced by new ones: Cesarean or episiotomy wounds. Baby blues. Tired… SO tired. As much as we want to enjoy this experience into Mommyhood, we instantly realize that it isn’t going to be a piece of cake!

So please remember to be kind to yourself.

You are a walking miracle maker and now is the time to take good care of you. A time to heal. A time to take it easy. A time to be good to that number one Mommy. 

Survival mode –  Just as you finish doing the dishes and laundry, another load is calling your name. How is it possible to keep up with the many demands on your time and energy?  Remember that at these times, you and your baby’s needs come first. It is clearly time for Survival mode.  We’re talking basics here.  The goal is not to have a spotless house, but to “love on” your children.  If I can get the dishes tidied up once a day, a batch of laundry running, and maybe even a garbage taken out, I feel accomplished. Or better yet, use paper plates and cups. Save the environment later, when you have more time and energy!

Savor the moment – As with each stage in the life of children, I have found over and over again that with a new baby, there are both really hard things and really beautiful things – things that will never happen again: The sound of the newborn cry, the darling startle reflex, peeling skin, the smell of their neck nestled into yours, their first bath, their tiny toes.  You may want to jot down notes about firsts, funny things they do, milestones, and your feelings.  Capture the moment with frequent snapshots. There will be plenty of time for scrapbooking later if that’s a priority for you, but for now, just share them with friends and family so you can rejoice together!

Sleep – You know the saying, “If Mama ain’t happy, ain’t nobody happy!”  Sister, it’s so true!  The whole world looks like a friendlier place when you are rested. So toss out all the old important TO DOs on your list.  Now is the time for a new list, and loving yourself enough to get some sleep is at the top of that list.  If there is a choice between getting something done and getting some sleep, choose sleep.  I know that this is not easily accomplished.  So, for starters, sleep when the baby sleeps. Yes, this is harder to do once you have more than one child, so don’t be shy in asking for help from a friend or family member.  Also, with a little know-how and practice, you can train your child to sleep.  They’re going to have to learn how to do it on their own sometime anyway.  Don’t be that mom that wished she had learned about sleep sooner, but alas, she was too tired!  Two excellent resources on this topic are: Healthy Sleep Habits, Happy Child by Marc Weissbluth, M.D., and The No-Cry Sleep Solution by Elizabeth Pantley.

Time away – Let’s face it – Sometimes being a mom is just plain lonely.  You spend many quiet hours, even in the middle of the night, rocking, feeding, cuddling, soothing.  All good things, right?  But the overall effect can be draining if you don’t get a little time for yourself.  Remember that as much as you love your baby, it is good to “baby” yourself sometimes, Mama!  What does that look like?  A weekly date night!  Time with a friend on the phone or in person.  An hour or two for personal time to shower, read, relax, or even take a nap.  A walk around the block for a little fresh air and movement.  Mommy is a person too and someone has to take time to “mother” her. So schedule in a little time for yourself each day.  Think of it as a time to rejuvenate rather than a selfish action, because dear, it is anything but selfish. You will come back energized and excited to spread a little love and sunshine in your children’s lives.  And besides that, you are worth it!

Photo by Sergiu Vălenaș on Unsplash

Wisdom From Experienced Mothers

Wisdom From Experienced Mothers

By Samantha Allred

I have a problem with the typical narrative of motherhood. The one that tells us that everything will come so easily and effortlessly. The reality of parenthood is that it is difficult. It is often easy to doubt our abilities when it comes to making parenting decisions. We need to remember that we are not alone in these feelings of inadequacy. Hearing from other like-minded mothers who have had similar experiences can alleviate those feelings of inadequacy and provide a renewed sense of hope in the face of difficult circumstances. Below is a list of advice from experienced mothers to mothers who may be struggling with certain aspects of motherhood. 

1. “The baby doesn’t need a perfect mom, but he/she definitely needs a happy mom. Don’t be too hard on yourself.”

As a perfectionist, I tend to be my own worst critic. As mothers, we need to remember that our kids don’t care if we don’t prepare magazine-worthy dinners or organize pinterest-worthy crafts. They care about spending genuine time with us and forming a strong, healthy relationship. 

2. “You can’t pour from an empty cup. Take time for self-care, prayer, and exercise.” 

Whether you are currently struggling with your newborn waking in the night, teenage attitude, or somewhere in between, all mothers can agree that motherhood requires a lot of patience. It is hard to exercise patience, when your own needs aren’t being met. Remember to take care of yourself so you can take care of your family.

 

3. “Time spent with your kids will never be undone. Dishes, laundry, dusting, vacuuming will all be undone. It’s okay to wait on the chores to prioritize time with your child that you can never undo.” 

One evening, I put the baby down for the night and started cleaning the kitchen. My husband went outside to work on the yard and later came and told me to come out to see the sunset. I told him I would come out when I was done with dishes, but by the time I went outside, the sun had already set. This experience helped me remember that chores can wait. People and experiences are more important and it is important to prioritize those who are important to you so you don’t miss out on making memories, forming bonds, and building relationships. 

4. “Don’t compare yourself or your children to anybody else.” 

My grandma loved the well-known phrase from Theodore Roosevelt, “Comparison is the thief of joy.” The older I get, the more I find this statement to be true. Sometimes other moms may seem to be perfectly put together, while you feel like a slob in desperate need of a shower. Sometimes others’ kids reach milestones earlier than your kids. Sometimes other families appear to always get along with each other and never fight while you feel like a full-time referee. Guess what? All families have struggles. Don’t let comparing yourself to others steal your joy. 

5. “There is no better mom in the world for your children than YOU.” 

Your sweet kids aren’t looking for a mom with the perfect home, flawless post-baby body, or perfect craft activities. Your kids want YOU!  You are enough. You are incredible. You are just what your kids need.

Photo by Jessica Donnelly on Unsplash

How to Train your Elephant?

How to Train your Elephant?

Here's an audio clip so you can listen to the Mom Tip!

Hi, I’m Regan Barnes from Momivate, and this is your two-minute Mom Tip empowering you to elevate your mothering experience.

I once learned a useful child-rearing trick at a zoo. 

The zookeeper was displaying the elephant’s ability to obey certain commands. Sometimes the elephant wasn’t cooperating, though.

The zookeeper explained: “We just ignore it when the elephant doesn’t cooperate. We don’t punish. Just ignore. Then we repeat the command, in exactly the same tone. When the elephant responds correctly, we praise and reward.”

Now, I don’t want to over-simplify — that can be faulty in and of itself — so I still sometimes give negative consequences to my kiddos. However, I have found the concept of ignoring to be valid overall.

There is power in simply acting as though my child didn’t just scream NO as loudly as an elephant’s trumpet. When I choose not to react, the power of his tantrum deflates. Does that mean he’ll stop right away? Not necessarily. But the encounter will end far better — and sooner — if I don’t get sucked into the violent vortex of high emotion.

Staying calm, pretending my child has not responded, then simply repeating my request in a mild tone, again if necessary. When my child chooses to cooperate, I praise, reward, and sincerely thank that precious child of mine.

I don’t think the elephant gets thanked. I added that part. But I hereby thank the zookeeper for teaching me how to train my little elephants!!

Mom, doing nothing requires intention, ironically. Next time your child is going wild, pretend you don’t notice. Then share if this practice elevates your mothering!

Photo by Helena Lopes on Unsplash

What if Book Club wasn’t really about the Books?

What if Book Club wasn’t really about the Books?

Here's an audio clip so you can listen to the Mom Tip!

Hi, I’m Regan Barnes from Momivate, and this is your two-minute Mom Tip empowering you to elevate your mothering experience.

I. LOVE. MY. BOOK. CLUB.

More accurately, I love the women who attend the club.

I do enjoy reading books and discussing them — it’s a great challenge for my brain to

1. Manage my time effectively to the point where I can fit in reading a book a month

2. Pay close enough attention to what I am reading so I can share some thoughts about it

However, when it comes right down to it, I would get together with these women even if it were a knitting club.

Admittedly, knitting is also a challenge for my brain.

My overall point of this, though, is how grateful I am for these women. They are busy moms. Yet they take time out to bless my life by sharing their thoughts, their wisdom, their talents.

Ya see, it’s a multi-faceted book club — we actually spend the first hour or so doing things not related to the book. We eat — it’s ALWAYS a potluck. We share each other’s good news — as well as our challenges. And THEN we discuss the book — solid discussions, with lots of insights and applications to our lives.

It’s like an intellectual challenge wrapped up in a hug!

I cherish my time with these women, whose wise words come home with me and help me in my efforts as a mom.

Momivate has a goal to offer something similar to each of you! We hope to start small groups of 8-10 moms who gather regularly to SMILE together (SMILE is an acronym for Support, Music, Inspiration, Laughter, and Education). If you’d like to help us start this program, sign up on the website to become a Momivator!

We need one another, Mamas! We need to SMILE more often and more purposefully. Let’s work together to get this program up and going, then share if this practice elevates your mothering!

Photo by Natalie Sierra on Unsplash

Single Motherhood

Single Motherhood

Co-written By Alana Hutchins and Candace Briles

Alana speaking:

Since I have seven children myself, many people want to know if I grew up in a large family, and the answer is, no. I grew up in what is now a “typical” single-parent American household.  Well, technically I still had two parents though, so two single-parent households? My sister and I were the product of my mom’s second marriage and my parents divorced when I was four years old, after they had been married for just seven years. My sister Amber, my very favorite and only sister in all the world, was born when my mom was thirty-nine years old and I came along eighteen months later when our mother was forty. That was as big as our immediate family was destined to be.

I spent much of my childhood under the care of my maternal grandfather James Story, since my mother worked nights at the hospital as a medical technologist. When I was younger I missed her while she was at work. I usually saw her in the mornings before I went to school, but that was it. I wrote little diary entries in my seven-year-old print that expressed my tender feelings of missing mommy until one day I stopped. I stopped writing it and at some point, I stopped missing her as much. Kids are pliable and they have a way of adapting to the situation they are placed in. I remember thinking that divorce not only took one parent out of the home, but two. It is not fair nor, sadly, is it unusual, but there are many things in life that fall into those two categories. 

By the time I was eleven my grandfather had remarried and moved out of our home so Amber and I became latch-key kids, essentially running our own lives from afterschool until bedtime every day. I spent many hours in front of the television that, in retrospect, I wish I had not.  Making wise time-use decisions was not a priority when I was in middle school.  I also ate a lot of leftovers as a kid. Our mother would make a big pot of spaghetti or tacos on Monday and Amber and I would be expected to eat it for the next five days or so. To this day I cringe slightly if I need to eat leftovers more than once. 

I always maintained a good relationship with my father. That reaches into the present tense as well. When we were together, my father tried to make it quality time the best way he knew how. Hiking, going out to eat, spitting cherry seeds, taking trips to the beach, etc. My relationship with my mother is good, but there will always be a “what-if” in my mind as to whether it could have been great had we spent more time together. Hey, it is not too late. But that is for another blog post. 

Growing up in this sort of situation taught me a great deal of independence. I also saw firsthand the importance of women needing an education so that they can support a family if need be. My mother exemplified hard work both at home and her job and I my psyche absorbed much of that mentality over the years. At turns I have seen her rage and weep at the unfairness of her heavy burden, but with the grace of God and support of her father, she successfully raised two daughters and found a place for forgiveness in her heart for my own father. There have been times when I wish my situation could have been something other than what it was, but I’m not complaining, it could have been much worse. I had the love of two wonderful parents, even if those parents didn’t love each other. 

Just down the street from us I had a childhood playmate named Candace Briles who was raised in a very similar situation living with her single mom. Maybe you can relate as well, either growing up in a single-parent home or currently raising your own children without a spouse. Through life’s unexpected twists and turns, Candace is now raising her daughter as a single mother and I’d like to share a small excerpt of her personal journey:

Candace speaking:

I am a single mother of an incredibly smart and sweet little girl.  Single motherhood was not something that I had on my ‘to-do’ list, and for most of my adult life, I did not think that I would even be a mother.  I certainly remember as a little girl wanting to have a baby and playing ‘mommy’ and having lots of fun.  Being a mother has been one of the absolute best gifts the Lord has entrusted to me.  She is a living, breathing, and heart-beating little person to be responsible for!  Almost every moment together has been imprinted in my mind as something special and remarkable.  

I was married to my daughter’s biological father, yet not anymore.  My healing from divorce with a beautiful infant is only attributed to the Lord’s overwhelming love and the unconditional support that I have received from my family.  

Along with being a single mother, and a full time pre-school teacher, I help care for my aging parents. They are both still independent, yet they have experienced some health issues this past year that have required both of them to make major life adjustments.

My daughter and I live in the home I myself grew up in. My mother still lives there as well.  I left this home at eighteen years old and came back eighteen years later with an eighteen-month old.  While I was still pregnant, I lived with my father at the beach where I stayed for the first eighteen months of my daughter’s life.  I was given the gift of being able to be at home with her and nurse her and love her for that time. I think the most fun part of being a single mother is that I have such a close relationship with my daughter.  I pray that will continue as she grows.

When my daughter was eighteen months old, I began full-time work again.  I am a teacher at the early childhood center where she attends.  My day consists of caring for fourteen vibrant and active three and four-year-olds.  Their exuberance can exhaust me at times, but at other times their energy enlivens me. It is wonderful to be teaching in my classroom and simultaneously watching my daughter out my window on the playground.  

I am tired most of the time, yet I give thanks to the Lord for the energy that I do have to do all that I do.  I feel lonely sometimes because I do not have an intimate partner to share in all the joys of what I am experiencing. I have friends that are loyal and kind who I can ask for help, and they help when I ask, but it isn’t quite the same thing as having a spouse. 

The most challenging part for me, and I try not to think about it too much, is that all the responsibilities fall on me. If I do start thinking about that fact, I can get overwhelmed. My best advice is to just take it one day at a time.  Another aspect of being a single mother that is difficult is the stigma attached to it.  Maybe this stigma is internal and maybe it is external, and maybe it is a combination of both. Regardless, it is something that I am aware of.  I know my story because I have lived it, and there are people in my close circle who know my story as well. The other single mothers I know that everyone as an individual storyof how their life’s events unfolded too.  The Lord works all things together for our good.  

I would encourage mothers to be compassionate with each other and willing to listen and befriend each other no matter their situation.  As Mothers, we are all women and our lives are woven into one another. We are caregivers of children and those children grow up to be leaders in our world and mothers themselves.

In my life, it has been about caring for others.  Before I had a child, my professional life was dedicated to caring for others as a counselor.  Now my personal life is about caring for others, which has a deeper meaning, as it is my family I am caring for.  For eighteen years I was gone from the place where I grew up.  I was traveling the world, living in different parts of the country, gaining an education and a lot of life experience.  Now I am home with my daughter where I grew up, and with the Lord’s help, raising a healthy child surrounded with the love and hope of Jesus.