margolynndill @ gmail. com
Books and Writing by Margo L. Dill (aka Margo Lynn)
The start of the new year is a lean time for many as we awaken, bleary eyed from the excess of late December and face the challenges of the new year. The trouble is that the view can be pretty grim through the lens of a New Year’s hangover (literally, metaphorically, or all of the above). After what seems like an eternity of seasonal spending, your bank balance aches, and your credit score looks grimmer than your father-in-law when he unwrapped yet another pair of socks for Christmas. Maybe you maxed out your credit cards to pay for the Christmas season; and though the memories will last a lifetime, they certainly won’t pay the bills. Soon the kids will be back at school and a whole new avenue of expense will open itself up to you.
If you’re recovering from the spend-a-thon of the festive season, it can feel like your personal finances simply won’t allow you to spend money on quality time with your children. For all their wonderful new Christmas presents, eventually they will grow tired of them, and you will be hearing, “I’m bored.” While there are lenders out there who specialize in personal loans for bad credit, your parenting needn’t go hand in hand with your expenditure. Sometimes, the most meaningful gifts you can give your children involve no to little expense whatsoever.
Be forthcoming with your affection
All the iPhones, xBoxes, and designer shoes in the world amount to nothing when you are comparing them to your child feeling loved. While your kids are unlikely to ask for hugs and kisses, they crave them far more than the superficial trappings, which they’re far more vocal about. Tell them that you love them and you’re proud of them. Kiss and hug them every day. If you don’t engage with them on this level (despite their protestations), it’s one of the ways to impede their interpersonal development when they grow up.
Nourishment is one of the most important duties of a parent. This means not only giving them the emotional nourishment they need but ensuring that they eat a balanced diet. While they’ll never thank you for it, a good diet is one of the most important gifts you can give a child. It will ensure that they grow up as healthy and nutritionally aware adults who lead long and healthy lives. Don’t be fooled into thinking that you have to load up on cheaply made pre-packaged foods just because money’s tight. Filling your fridge with fresh veggies and researching nutritious and delicious recipes that enable your kids to actually enjoy them is not only great parenting, it’s surprisingly easy on the household budget.
Treat them like an adult
Maybe don’t offer them a cigarette and a shot of vodka before sitting down to your favorite zombie flick 🙂 HA! HA! , but treating your kids with the same respect and transparency as you’d treat, say, a work colleague, is tremendously empowering for them and is likely to engender maturity.
While it’s perfectly fine to spoil your kids over the festive period, it’s important to remember, especially in the thrifty aftermath, that the most meaningful gifts you can give your kids won’t cost you a penny.Tags: budget, finance, parenting tips