Who in the world would be crazy enough to charge their wedding expenses on credit cards?
Us!
Who in the world thought they could afford anything and everything just because we could still afford to make the monthly payments?
Us!
And who got themselves in $120K in debt AND got themselves out of it?
We did!
This is a personal story I have decided to share because I know there are many families who are currently in debt like we were and if sharing this means it inspires just one family to start taking action, it is well worth it.
I won’t go into all the details on how we accumulated so much debt but I will say that it was pretty much anything and everything we could charge on a credit card.
In our minds, since we made enough to be able to cover the minimal monthly payments, that meant we could afford those things.
Before you know it, we were maxing out credit card after credit card and what was our solution to now having multiple monthly minimum payments?
We applied for new cards and played the whole “transfer all our balances” to this new card game so that we would have less number of payments to deal with.
On top of all that, we purchased a house on an interest only loan that now I keep thinking to myself, “What in the world were we thinking?
We started finding ourselves living paycheck to paycheck.
Barely making the payments.
Barely any money left over to do anything.
Still continuing to charge for basic necessities because the money we got paid that week was already spoken for with last months credit card charges!
The interest we were paying alone was eating up a big chunk of our income.
It was a never ending cycle.
On the outside, you wouldn’t have been able to tell we were struggling. But boy were we struggling.
I was not happy. Always stressed about not having enough money to pay the bills. Daily arguments with my husband.
It was a mess!
The final straw was when I logged into our bank account and saw that we barely had $10 in it.
That was it! I was sick and tired of being sick and tired of living paycheck to paycheck.
We went through a short sale of our home and moved in with family to start getting our life back together.
I’m not going to say it was an easy thing to do. It was the opposite. It was one of the hardest thing we’ve ever had to do.
Maybe even harder than childbirth!
Preston, my second child was about 1 month old when we moved in with my older brother.
It was the longest 3 years ever.
Three years of working extra shifts, my husband getting a second job, not eating out as much, barely going out, saying no to family/friend’s invitations, saying no to temptations of buying new “toys” and tracking our spending like a hawk.
It took lots of hard work, discipline, many frustrating moments, and nights of despair where I wanted to just give up because it felt like we weren’t making a dent in our debt at all.
But we stayed focused.
My husband and I supported and encouraged each other and stayed the course.
If there was any one thing that I can attribute to our success, it was that we were on the same page with our goals and vision for the life we wanted to build with our kids.
This is SO IMPORTANT.
And that vision did not include a life living in debt. We made plenty of bad financial decisions and we wanted to make darn sure that our kids do not follow in our footsteps.
I’m here to say that it can be done.
It starts with a decision to change your family’s lifestyle.
Make a plan to help you take massive action.
Stay focused.
Be disciplined. Practice saying “No”.
Get creative with increasing income. Have a garage sale.
Track your spending.
And throw every single penny towards your debt.
Yes, it’s definitely easier said than done. But complaining about how much debt you are in is not going to take you any closer into living a financially stress free life,
Trust me, the hard work and effort to get there is going to be so worth it.
The life I can now provide for my kids is priceless. The life and financial lessons I can impart to them will be invaluable.
If being in debt has taught me anything, it is that with hard work, determination, discipline and some perseverance, you can make anything happen.
If you’ve read this far, that means you know what you need to do.
There’s so much more life to enjoy than to constantly worry about whether or not next month’s bills will be paid.
It’s time. Get sick and tired of being sick and tired.
Let’s do this!
If you or anyone you know is interested in learning more on the actual step by step actions we took for those 3 years to get out of debt, comment below and I’ll add a Part 2 to the story.
No matter how many stories you hear from your friends, family and coworkers about what to expect with your first child, there’s nothing that will prepare you for the physical, emotional and mental roller coasters that you will need to experience first hand to fully understand what it’s like to be a first time parent.
The story that I’m about to tell you is something I wish I had known but I realized that I wouldn’t have known without having kids of my own.
With our first born, the moment we drove out of the hospital parking lot was the moment we officially were on our own to care for this new human being we brought into this world. I still remember it as if it happened yesterday. Immense feelings of accomplishment, joy, excitement and fear all wrapped up together. Random thoughts would creep into my head like “oh what if I do something that will hurt the baby, what if I don’t know how to stop them from crying, I have no idea what I am doing, how often should I be feeding the baby, or what if I accidentally drop her?”
“One thing you can count on is that you won’t have the answers to everything. That’s what family, friends and even your pediatrician is there for. You’re basically learning as you go. It’s like on the job training at its core”.
As we get home and settle into our routines, life does begin to get quite interesting.
The first week was great. I was still filled with so much joy and excitement that our new bundle of joy was finally here. We gladly woke up every 1-2 hours throughout the night to tend to our little one. But as the weeks continued on, the lack of sleep took its toll on us. The continuous cycle of feeding, pumping milk in between feedings to stimulate more milk production, burping, diaper change, sleep, wake up, wash bottles, rinse and repeat. Oh how I longed to just be able to sleep for a good 3-4 hours straight.
“I think if I could impart any wisdom in this area, it would be to arrange between you and your partner to take shifts during the night. Inevitably, after every feed, there would need to be a diaper change. What we did initially was have Dave wake up with me to help with the diaper change. That only resulted in both of us walking around like zombies during the day. So what we decided to do was from 10pm-2am, I would let him sleep all the way through. Then from 2am-6am, I would just need to wake up to feed. Even though I still had to wake up, that allowed Dave to be less tired during the day so that he could be more functional during the day to handle the baby and I would be able to nap more often”.
The most exciting parts of our days is when she opened her eyes and we could finally interact with her somewhat. She had no idea what was going on of course because at that age, they really can’t see clearly yet, but they do start to learn our voices.
A few months in is when it starts to get even more exciting. She is awake and alert for longer periods of time now. She’s starting to coo and smile. She’s able to interact with the toys we bought for her. People coming to visit loved holding and talking to her. You can’t help but keep telling yourself, “I can’t believe we created this”.
“Once you establish a routine and your baby gets into their own schedule, the sleep deprivation becomes more tolerable. The days become more predictable and you learn to sneak a power nap in when they nap. Or you learn to take advantage of family who come by to visit and let them take over while you get some much needed shut eye”.
We also quickly learn that every decision we make now revolves around our baby. She is already dictating when we can and can’t sleep but now adding to the mix, she dictates when we can shower, eat and drink, and when we can clean the house or even do laundry.
Gone are the days where we can decide on a whim to go out to the movies or go out to eat. Now, things like that has to be planned for and can only be done during certain time periods. And when we do go outside of the house with her, we need to be prepared to pack everything! Just run through your day and think of all the things you use on a regular basis and that’s what you will need to bring.
Before we knew it, she was starting to crawl and we find ourselves rushing out to baby proof everything in our house. We are now having to watch her like a hawk because she will put every single little thing that is on the ground, into her mouth. Then she started walking and now we really can’t take our eyes off of her for even a second!
“There are so many first times during this first year to capture. So many moments like the first time they started crawling and walking. Their first word, their first tooth, their first smile. First bath, first nail clipping. First outing. First baby food. Take pictures, lots of pictures. It is so easy with smartphones these days to do that. Even better would be to take videos”.
As a first time mom, it’s quite normal to want your hands on everything that your baby will possibly need.
When asked of moms who have been there and done that, “what are some of the must have items to survive the first year of your child’s life?” the list of items below came highly recommended. This is of course not a complete list but it’s definitely a good start.
Baby Monitor: So you can keep an eye on them and know when they wake up from anywhere in the house
Co-sleeper: This is like a mini crib that you can put right next to your bed. So during the night, they are within reach and you can easily pick them up without them actually being in bed with you.
Sleeper gowns: to quickly change their diaper and cover them back up without fumbling around with any buttons or snaps.
Shirts or onesies with covered long sleeves: Save the hassle of the standard hand mitts constantly falling off
Strong support system (Mom friends who are going through the same experiences as you. Local mom groups, local meetup groups, facebook support groups): To save your sanity
Night lights for late night feeding/changes
White noise machine: To lessen the chances of your baby being startled by a loud noise and waking up
Change of clothes always for baby and you: Accidents will happen
Housekeeper & food prep services if you can afford it: To decrease your stress and lighten up your workload so you can focus on bonding with your baby
Freezer meals: You won’t have time to cook but you still need to eat
Trumpet socks: They don’t fall off as easily as the regular ones. And they are super cute.
Owler: for peace of mind (SIDS).
Nose Frida: So much better than the bulb syringes
Baby Brezza if formula feeding: Makes prep time and feeding a breeze
Gripe water: Helps with Colic
Lots of Burp Clothes: Keep them accessible in every room so you have it within reach when you need it
Rocker: Nice to have to relax and rock your baby to sleep
Swaddles: Babies are used to being in tight quarters inside your tummy. When swaddled up, this gives them some comfort in familiarity and can soothe them.
Boppy Pillow: Makes positioning baby during breastfeeding much easier.
And last but not least, an item I can’t complete this list without mentioning and it’s our very own baby first aid kit that we put together for moms so that they can have more peace of mind knowing they are equipped to handle those everyday emergencies.
You will have tough days, you will have easy days. Life will be a roller coaster as you adjust to whatever your baby brings your way, the good and the bad. Your baby’s first year of life means a lot of first time experiences for you. So many joys, so many memories to start collecting.
Take it one day at a time and know that they grow up in what feels like a blink of an eye. Treasure those moments.
Ok fess up, how many times have you forgotten that the tooth fairy was supposed to come get your kid’s tooth only to wake up the next morning in a frenzy?
I think for us, between the two kids, it has been at least 2 dozen times if not more. I think the worse case was when I forgot 3 days back to back.
Epic mom FAIL!
I felt so horrible but how can anyone blame us right?
After putting the kids to bed, there are still so many things left to do and by the end of the night, all you can think about is climbing into bed yourself and calling it a night.
So what happens the next morning when the kids realize the tooth fairy never came to get their tooth?
It’s time for mommy and daddy to think fast and come up with a believable explanation to give them.
I’ve collected some tooth fairy “bloopers” for everyone to enjoy, including some of my own. Who knows, some on this list could be added to your arsenal for the next time you forget and need to quickly dodge the bullet.
Enjoy!
“Oh maybe the tooth fairy got really busy last night and couldn’t make it”
or a similar version
“Too many kids lost their tooth last night and the tooth fairy didn’t have time to come get yours. Let’s wait and see if she will come tonight”
“Your room was too messy the tooth fairy couldn’t make her way to your bed”
“You put your tooth on a different pillow from the one you were laying on so the tooth fairy probably got confused and couldn’t find your tooth”
One year, my husband types out a nice letter from the tooth fairy and signed it as Frances. So now my daughter always refers to her tooth fairy as Frances. Most recently, she wrote a letter to Frances with her tooth, so of course I had to leave a letter behind.
The next morning, I asked her if the tooth fairy came and she tells me yes, but that it was Francine that left her a letter.
Oh my gosh, I thought it was Francine this whole time!! Whoops! I had to quickly tell her that maybe she uses a nickname! Phew! So glad she didn’t question that.”
“The tooth fairy couldn’t find you because you weren’t sleeping in your bed”
“Maybe she went on vacation and forgot to tell the other tooth fairy to take over for her when she was gone”
“I’ve casually placed a dollar behind her bed the morning of and told my daughter she must have knocked it off her bed in her sleep”
“She doesn’t work on weekends”
“The tooth fairy was stuck on the east coast because of the hurricane”
“You have to get in line, she can only do so many houses a night. Lots of kids with teeth to pick up”
“Her bag was probably too full and she would have to come back the next night”
One last story about my son where I for sure thought I was caught.
So as usual, I forgot to take his tooth and didn’t realize this until he climbed into my bed in the morning. He didn’t say anything about the tooth fairy not coming so I thought maybe he forgot to check. I kept him distracted with his iPad and snuck off to take his tooth.
Later on, he excitedly runs to me and tells me the tooth fairy left him a dollar! Then he follows it up with, “The tooth fairy just came”.
I say to him, “What do you mean he just came”. He answered, “Because I checked when I woke up and the tooth was still there and now it’s gone”.
Yikes!
“Oh, ok maybe they do come in the mornings too”, I say. I really had no reasonable explanation to give him. Thank goodness he didn’t question it any further.
Tooth fairies are fun. I personally never grew up with it but always encourage my kids to use their imagination to entertain themselves.
It’s all for fun and gives them something to look forward to. One day they will no longer believe it in but until, then, we’ll all enjoy it.
One thing for sure.
The day they stop believing is the day they no longer get any money! So I’m sure there are kids out there that still pretends to believe in the tooth fairy.
What are some of your near miss stories or cover ups that you have used? Please share with the rest of us as I’m pretty certain we all will have more bullets to dodge in the future.
Picture this…your daughter has made it to her senior year in high school, she’s confident in herself, is a straight A student, top of her class, successfully juggles work, sports and school, everyone loves her, she has a good attitude, is ambitious, well rounded, and responsible. It’s basically everything you could ever hope for your daughter to become.
So why do we cringe then when people ask us, “so are you ready for the teenage years?” Why do most of us dread these years? Well we can’t help to feel that way when we hear stories like “my daughter committed suicide, my son is getting into fights at school, they are being bullied, my daughter is pregnant, my kids rebel at us every chance they get, getting into trouble with the law, and of course, my kids have major attitude.
BUT…..What if there was a magic pill that we could give to our kids that will guarantee they turn out like the perfect angel we envision them to grow up to be? Hah! Fat chance right?
The truth is that we can’t guarantee our kid’s teen years will be smooth sailing. Obviously we all know that much. As parents, we have the best of intentions for our kids. So if there is no magic pill, what would be the next best thing? A friend recommended, “Taking off to Hawaii for a few years to meditate and find enlightenment while the husband stays back and holds up the fort”. Sigh…if only that was reality.
In all seriousness, I do believe we as parents, can make or break these teenage years.
As a parent who has yet to go through this phase myself, there is tremendous value in learning from parents who have survived the much dreaded teenage years.
So I hope to share some advice that I have collected and some “things I would have done differently” from other parents that you and I may be able glean from to help us to best prepare ourselves and our kids through their adolescent life as best as possible. The more we know, the better we can prepare.
Always listen listen listen. Have a lot of discussions and talk with them about everything. Praise them when they share with you “So glad you were able to tell me that” So the communication ways stay open. You want them to come to you when they face a tough choice. Also have many talks about sex. Made huge difference in late teen sand early 20’s.
Set clear expectations and boundaries so that you can give them their independence and room to make mistakes and learn and grow from it
Teach money and responsibilities at an earlier age
Be more open minded
Encourage them to make their own decisions so they would become independent & self determined individuals
Don’t lecture, preach, or nag, but rather listen and guide them. Respect their thoughts
Earning money to get what they wanted. Saving more for it makes the appreciate and value life more. Teach then they can do and become who or whatever they dream, when they get out in the world, but for now do what I say when you’re under my roof
So I can pass on my bullet proof vest, cape, safety goggles and box of tissues and tell all of you to hold on, be consistent, set boundaries, learn to deflect the eye roll, monitor social media and communicate with your child as their parent
Too many outlets these days ie via social media so it allows them to avoid the issue instead of facing it. Social media makes heightens peer pressure, low self image and self esteem because it’s so easy to see your friends and compare yourself, even though it is all a facade.
Don’t fight with them to get your way. Work on compromise and problem solving with them. Let them take the lead on coming up with a game plan because that’s the only one that will work
Don’t give them everything they want, make them earn it themselves
Let them fall down a few more times in life. I look back and think I didn’t prepare them well enough for disappointment in the real world.
Set expectations but let them create their path (earn money, behavior, respect, set goals etc)
Provide structure and keep them busy in their younger years with activities so they have less opportunity to get themselves into trouble or associate with the wrong friends
Be 100% open and honest
Instruct them that they always have choices, but consider the consequence of each decision
would be more hands on with their goings and not so much freedom. Talk more
Never be so busy that you don’t have the time
Teach them to be a leader and not a follower.
All of these pointers are so important! Boy do we have a lot of work to do ahead of us to prepare. The one thing I have been hearing being repeated multiple times is to do whatever you can to make sure the line of communication is open. The last thing we want is for our kids to shut down and feel like they can’t come to us to discuss their problems.
If you have read this far, you’re probably thinking, “sure…easier said than done!” No doubt about it. All we can do is our best and hope for the best. What I do know for sure is that the earlier we can incorporate some of these skills and values into our kids, the easier it will be when our kids become teenagers themselves.
Among all the dreaded stories are the ones that give us new parents the hope that our kids will turn out ok. That we can trust them to make good and safe choices. Stories that inspires us to strive to experience the same kind of relationships with our kids and stories that we can look forward to for ourselves as well. So there is light at the end of the tunnel when you hear comments like these:
“I have 3 teenage girls 14, 16, 18 and 22 year old son. I am loving this stage of life more than any other stages so far”
“I’m loving the teen years so far!!!…I have 2 teenage boys, they’re like little men, with their own opinions and jokes! Fun time for sports”
“It has its definite stresses but I love it! The conversations are awesome”
“It is so fun to watch them grow into the adults they will be, and the conversations we have now I wouldn’t trade for anything”
So let’s get out there and raise our kids to grow up into strong, independent, and successful men and women of the future. Let’s not dread the teen years but instead, look forward to them and make them be the best years we possibly can.
According to the Merriam-Webster Dictionary, the definition of a Supermom is “an exemplary mother; also: a woman who performs the traditional duties of housekeeping and child-rearing while also having a full-time job.
On the outside looking in, this mom appears to very well organized, crafty, resourceful, cooks, bakes, and still manages to somehow keep herself fit, well dressed and have a social calendar. When you go over to her house, everything is neat and tidy. She tracks and manages all the household activities without a glitch.
She has her kids under control at all times. Her kids get read to every night. She is very health conscious and makes sure her family eats well. There are freshly cut fruits and baked snacks on the kitchen counter for afterschool snack. She is very involved at her kid’s school.
These are the moms you come across and ask yourself, “How the heck does she have time to do all of that?”
Now truly, has anyone really ever come across a mom like that… except in the movies?
I mean there are days I feel like I am supermom because I really do need to juggle everything and all by myself because my husband is away from work for days at a time. And if you’re a single mom, you are hands down automatically a supermom.
But most days my kids are lucky if they have a hot meal on the table for dinner every night.
Let’s face it, us moms (and dads) have a lot on our plate, especially when you are juggling activities for more than 1 child. Some days it feels like you can’t even keep your head on straight because you’re being pulled in all sorts of directions.
So I am going to take it one step further to redefine what a supermom is. My new definition of a supermom is someone who manages to keep the household and family running smoothly, provides a positive environment for their kids to learn and grow and while also contributing to the household income one way or another.
So do Supermoms really exist?
I say Yes!
You’re a supermom if you accomplish any of the following:
Your kids are fed, even if it means eating leftovers for 2 days straight.
Your kids are clothed, even if it means they need to rewear their socks because you haven’t gotten around to doing the laundry yet
You look forward to being able to surprise your kids and see them jumping up and down in excitement when you tell them what you have planned for the weekend for them
You read to and with your kids regularly (not necessarily EVERY night)
You watch out for all aspects of their safety
You make sure things get done, even if it means delegating
You bake cupcakes for your kid to bring to school to share with their classmates, or rush out to the store to buy store bought ones. 🙂
You support and guide them to make good decisions
You teach them, one life lesson at a time
The truth is, we are all supermoms in our own ways. We each have our own special powers. And it doesn’t mean we have to perform them all at once either. We all have one main goal for our kids…that we raise them to grow up and live a happy and meaningful life.
We’ll all be taking different paths but at the end, we all want the same outcome. If we accomplish that, we, as parents have done our jobs and will have really lived out our supermom ways.
One of the hardest things for me to do as a mom, wife, daughter, sister, and friend is to make time to do something just for me. I’m the one that tends to want to make sure everyone else around me is taken care of first.
Now why would taking time out be so hard for me to do?
Others have no problem whatsoever taking off on a girls outing or going out and enjoying themselves. I, on the other hand, have this huge guilt when I even think of doing anything outside of working and being with my family. I feel like if I’m away from them for even a bit, I’m letting them down for some reason.
If I’m not working, I’m doing something with the kids. If I’m not doing anything with the kids, I’m taking care of things in the household. And when I’m not doing that, I’m out and about tending to other things that needs to get done that day.
Anyone else relate to that?
By the end of the day though, I feel so drained. After the kids are in bed, I myself can’t wait until I too, can turn the lights off and climb into bed. And when I do, I breath a big sigh of relief because now, I can relax my body and not have to do anything else.
Deep down, I know that is not the way to a long term healthy lifestyle. Just like how the flight attendants remind us that we need to put the oxygen mask on ourselves before our kids, I understand that we must find ways to recharge us before we are capable of properly tending to those around us.
There are some days where I feel like I could just pull all my hair out. At the end of the night when I lay down and reflect upon the day, I ask myself, “was I the best mom and wife I could have been today?” Many times, that answer is “No”.
Thoughts like “I shouldn’t have raised my voice at the kids earlier,” or “I could have been more present with my husband,” and even “I should have handled that situation better.”
There have been times where I’ve had to go away on a business or work trip for a few days and after coming back, I feel like I’ve missed out on so much. But the best part is, I find myself being more patient with my kids and wanting to spend more time with them and the family.
So it makes complete sense that if we want to get through the days being the best mom and wife we can be, we need to step away and take time for ourselves.
What would something like that look like? What would recharge your mind, body and spirit? It’s going to be something different for each person because we all have different interests and what we consider fun and relaxing.
Image by rhythmuswege via Pixabay
Here are some ideas that I feel would help me out every so often.
Take more naps. When you’re sleep deprived, you have a tendency to be more easily upset when things happen or have less patience for things. (At least it is for me anyways) It is well known that when you take daily afternoon naps, it’s healthy for you overall. According to a published Harvard Health Newsletter, “The 20- to 30-minute nap may be the ideal pick-me-up” time.
Go get a massage. This is of course a luxury because it will require more financial and time resources, as well as someone to babysit the kids. But if you can pull it off, it’s a must do.
Be a happy couch potato. Spend a whole day while the kids are out with someone other than myself, binge watching my favorite show on Netflix and eating ice cream…without feeling guilty.
Go out to coffee or lunch with an old friend and just catch up. Sometimes, you just need to have interactions with people other than your kids and get a chance to have some adult conversations.
Sleep in every once in awhile! I am so not a morning person and I love to sleep. It feels so great to not have to jump out of bed to get the kids ready or make breakfast or do this or do that. Even if it’s just once or twice a month, it feels so wonderful.
Don’t cook and eat out. Trying to figure out what to eat everyday is so painful. If you’re lucky enough to have someone in your life that loves to cook, then count your lucky stars. Going out to eat saves time on prep, cooking, and clean up time. Of course this can’t be done all the time but I think once or twice a week if you can would help out so much.
Go shopping at the mall by myself. I’m not much of being in crowded areas but there’s something about just roaming the mall or shopping center by yourself is so enjoyable. You can look at things or try things on…in peace! No worrying about where the kids are every 2 seconds or telling them to stop running around. I have to admit, retail therapy does wonders…if you have the financial means to that is.
At the end of the day, it doesn’t really matter the activity, just as long as you give yourself time to recharge. Some people find gardening, knitting, or even just reading very rejuvenating. Or even exercising (Something that I can never understand but many moms find this very energizing). Find whatever it is that works for you.
Yep, it’s going to be challenging. Especially when you have kids in the infants and toddlers age. Most days we can’t even go to the bathroom without someone banging on the door as soon as you sit down. We’re resourceful though. Make it happen. Schedule it in. Designate a “this is mommy time” so everyone knows.
But as Nicholas Sparks states, “Nothing that’s worthwhile is ever easy. Remember that.”
At the end of the day, we know we are worth it. We know our husbands, family and friends are worth it. We owe it to ourselves to be the best us that we can be so that we can show up for the rest of the world, and be the best that we can be for them.
Share this with a mom who you know needs a friendly reminder to take some time out recharge.
Struggle with staying on top of your bills and budgeting?
Do you stress out and dread when the 1st of the month rolls around?
Tired of living paycheck to paycheck?
Have constant arguments with your spouse around the family finances?
Have no clue on how to even get in control of your financial life?
Download this FREE Monthly Budgeting Action Plan, which includes Worksheets with step by step instructions on guiding you exactly on what you need to do to set up your own family budgeting plan that works for you and your family.
Struggle with staying on top of your bills and budgeting?
Do you stress out and dread when the 1st of the month rolls around?
Tired of living paycheck to paycheck?
Have constant arguments with your spouse around the family finances?
Have no clue on how to even get in control of your financial life?
Download this FREE Monthly Budgeting Action Plan, which includes Worksheets with step by step instructions on guiding you exactly on what you need to do to set up your own family budgeting plan that works for you and your family.
Do you struggle with getting your kids to clean up their room?
Are you ready for your kids to be more responsible?
Would you like your kids to be able to manage their time better?
Ready for a simple way to teach your kids good money management habits?
Download this FREE Family Chore and Money System Action Guide. It includes worksheets with step by step instructions on guiding you exactly what you need to do to set up your own chore, schedule and money management plans.
