Vicky Monroe, Author at Kids Ain't Cheap

From Closet to Cause: The Best Places to Donate Baby Clothes

January 24, 2025 | Leave a Comment

Where to donate unneeded baby clothes to help at rick children — Image Source: Pexels

Babies grow out of everything from clothing to infant car seats in the blink of an eye! It can be hard to figure out what to do with all the baby gear you no longer need. Between listing all your items and negotiating with hagglers, selling baby clothes on eBay or Facebook can be a time-consuming hassle. Gifting your child’s hand-me-downs to a growing family may be easier and more gratifying. But if you don’t know any new moms in your area, you may be wondering, where can you donate baby clothes? Here’s a list of worthy charities and organizations that accept baby clothes.

Where to Donate Baby Clothes

1. Foster Closets

Children in foster care usually have very few belongings and need support. Foster closets are nonprofit organizations that provide free or low-cost necessities to foster kids and parents, including clothes, books, and bedding. These closets are often run by volunteers and rely on community donations, so they’re great places to support if you’re wondering where to donate baby clothes. Look up “foster closets near me” or call your local CPS to find out how to drop off your gently used items.

2. Buy Nothing Groups

Buy Nothing groups are forums where you can offer free, gently used items like baby clothes to people in your community. You can also respond to requests for household goods if you’re willing to donate the items someone needs. These gifting groups are usually hosted on Facebook or the Buy Nothing app. Membership is limited to households in your area, so you won’t have to pay any shipping costs to donate baby clothes. Just keep in mind that trading, bartering, and selling aren’t allowed. You can find your local forum here.

3. Baby Banks and Pregnancy Centers

Similar to foster closets, baby banks are organizations that provide material resources to low-income parents. They’re always in need of gently used baby clothes and gear, so see if you can find one in your area to donate to. Pregnancy centers that serve expectant mothers could also make use of your secondhand items.

4. Giving Factory Direct

Wondering where to donate baby clothes if you don’t have a baby bank in your area? Try Giving Factory Direct, an organization that helps clothing-insecure children. All you have to do is enter the size of the baby clothes you want to donate and Giving Factory will match you with a family in need. You’ll receive a free shipping label so you can package your items and drop them off at UPS. Just make sure that your donations don’t have any rips, stains, or personalized name tags before you send them off.

5. Thrift Stores

Thrift stores like Goodwill and the Salvation Army are also great places to drop off gently used baby clothes. Although secondhand shops make customers pay for merchandise, the profits they earn support their charity efforts. Goodwill, for example, spends more than 80% of its revenue on job training programs for veterans and people with disabilities. Plus, thrift stores often give shopping vouchers to partner organizations like The Red Cross, which are then distributed to people in need.

6. Churches

The final entry on our list of where to donate baby clothes is one of your local churches. Many congregations run clothing drives to support families in the community and would appreciate your donation. Some churches even have their own baby banks, so call a few religious organizations in your area and see who accepts infant apparel.

Hopefully, we’ve helped you figure out where to donate baby clothes to make a difference in your community. Are there any organizations or charities we missed? Let us know in the comments!

Vicky Monroe

Vicky Monroe is a freelance personal finance writer who enjoys learning about and discussing the psychology of money. In her free time, she loves to cook and tackle DIY projects.

These 5 Books Will Help You With Effective Communication With Your Kids

January 22, 2025 | Leave a Comment

If you find it difficult to talk to your children sometimes, you’re not alone. Around 70% of parents say they struggle to meaningfully communicate with their kids. Children have developing brains and smaller vocabularies than adults, so it can be hard to bridge the gap and relate to each other. Plus, younger children often have trouble expressing their emotions and tend to melt down, making calm discussion a challenge. Luckily there are effective communication books that can help you build rapport with your kids and set boundaries without yelling. Check out five of our favorite titles below.

5 Effective Communication Books

1. How to Talk So Kids Will Listen Series

The How to Talk So Kids Will Listen series can help you navigate discussions with your child at every developmental stage. There are separate books about communicating with toddlers, talking to kids ages 7 and older, and supporting angsty teens. The authors also wrote about how to motivate your child to succeed in school and speak to kids when they’re having a meltdown or tantrum.

Parents say that the strategies in these effective communication books have helped them learn to acknowledge their children’s feelings. Validating their kids’ emotions has improved their relationship and reduced familial stress. The book series has also enabled parents to avoid yelling when they get overwhelmed or frustrated. The authors present alternative ways for caregivers to set boundaries, express their needs to their kids, and foster cooperation.

2. The Whole Brain Child Series

The Whole Brain Child series centers around fostering healthy brain development in your child, which makes it easier to have positive conversations. Authors Siegel and Bryson have written multiple effective communication books together, including The Whole Brain Child, No-Drama Discipline, and The Yes Brain: How to Cultivate Courage, Curiosity, and Resilience in Your Child.

The Whole Brain Child explains how to help your child build healthy coping skills and resilience during tough, emotional moments. The book is based on modern neuroscience, so it has lots of research-informed methods to improve communication between you and your child, even when they’re having an outburst.

The Yes Brain Child is all about fostering a cooperative, “yes” mindset in your child. Helping them remain open to new experiences will make everything from bedtime to stepping outside of their comfort zone easier. Last but not least, No-Drama Discipline can help you define your discipline style and set clear limits with your kids without yelling or reprimanding them.

3. How to Talk to Kids About Anything

One of the most effective communication books for parents is How to Talk to Kids About Anything. We all know that kids ask a lot of questions, some of which are difficult to answer. When your child starts inquiring about hard topics like divorce and money, this book will equip you to navigate the conversation in an age-appropriate way. How to Talk to Kids About Anything also includes useful tips, case studies, and even scripts to help you find the best words to explain tough realities to your child.

4. Raising Good Humans: A Mindful Guide to Breaking the Cycle of Reactive Parenting

Everyday life is busy and hectic, especially when you have kids! It can be tough to keep your cool when your child refuses to get ready for school or melts down in the checkout line. Raising Good Humans discusses mindfulness strategies to help you regain your composure during stressful moments.

Calming your nervous system will enable you to talk to your child in a calmer, more productive way. One parent said the book was so impactful it made her cry. Once she implemented the author’s tips, she immediately noticed a difference in communication with her child.

5. Talk with Your Kids: 109 Conversations About Ethics and Things That Really Matter

Some children have a hard time opening up, especially during the turbulent tween and teen years. One of the most effective communication books to spark conversations with older children is Talk with Your Kids: 109 Conversations About Ethics and Things That Really Matter.

It contains conversational prompts to encourage thoughtful discussion about ethical issues, such as bullying, war, lying, and more. This book will help your child define their values and articulate their positions in a logical way. It can also help you and your child connect, understand each other, and deepen your relationship.

Effective communication books can help you navigate everyday stressors with grace and improve your relationship with your child. Which books have leveled up your parenting skills? Let us know in the comments!

Vicky Monroe

Vicky Monroe is a freelance personal finance writer who enjoys learning about and discussing the psychology of money. In her free time, she loves to cook and tackle DIY projects.

Motivating Teens with Inspirational Quotes: The Path to Financial Responsibility

January 22, 2025 | Leave a Comment

how much money you keep — Image Source: Pexels

Recent studies have shown that over half of teens feel unprepared to finance their futures. Many high school students are worried about the cost of attending college. Facing such a large expense early in life can feel overwhelming or even discouraging. To help keep your child motivated, here are some inspirational quotes for teens about money. Sharing these nuggets of wisdom with your child will encourage them to keep being financially responsible even when it’s hard. Although your teen may not see the results of their hard work immediately, their efforts will pay dividends in the future.

5 Inspirational Quotes for Teens About Money

1. “It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.” —Robert Kiyosaki

Our first inspirational quote for teens about money comes from Robert Kiyosaki, author of the bestseller Rich Dad Poor Dad. Once your teen starts researching careers, they’ll realize that most jobs don’t pay six figures. If they get discouraged, use this quote to remind them that their salary doesn’t have to limit their financial success.

It’s possible for average-income earners to save and side hustle their way to financial security. Working hard, being frugal, and investing regularly are positive habits that can help anyone achieve their money and career goals. Teens who play their cards right and start saving early could even create generational wealth for their families.

2. “Wealth consists not in having great possessions, but in having few wants.” —Epictetus

If your teen is jealous of the luxurious lifestyles they see on social media, send them this quote by Greek philosopher Epictetus. This saying highlights the benefits of frugality and gratitude. Being happy with your belongings and circumstances leads to contentment and fulfillment, which is its own kind of wealth. People who chase after material possessions often feel empty and unsatisfied because what they have never seems like enough.

3. “A Rich Life means you can spend extravagantly on the things you love as long as you cut costs mercilessly on the things you don’t.” —Ramit Sethi

Many teens don’t want a restrictive budget holding them back from experiencing life. Ramit Sethi’s balanced approach to finances may appeal to young adults who still want to have fun while saving for the future. He believes that everyone can live a rich, fulfilling life regardless of their salary. To that end, he recommends spending roughly 50% of income on needs, 30% on wants, and 20% on savings and investments. Since teens usually don’t pay many bills, they can allocate extra funds to savings and get ahead financially.

Additionally, Ramit’s advice about reducing spending on things that don’t matter can motivate teens to be more frugal. Once they realize that cutting out takeout could help them afford the wishlist items they really want (like their dream car), they may happily embrace financial responsibility.

4. “Every time you borrow money, you’re robbing your future self.” —Nathan W. Morris

Sometimes teens don’t fully consider the future consequences of their actions. To someone who’s just turned 18, credit cards can feel like free money because the payments aren’t due right away. Luckily sharing this quote with your teen and explaining how interest works can help them understand the true costs of debt. Realizing that the average APR for credit cards is around 20% will motivate them to pay cash whenever possible.

5. “The more you learn, the more you earn.” —Warren Buffett

Finally, the last inspirational quote for teens is about the value of lifelong learning. Education shouldn’t stop once young adults graduate from college. Continuing to upskill and grow their knowledge base will help them advance in their career and climb the pay ladder. Remaining curious about the world can also help young adults identify potential business opportunities. Mark Cuban suggests reading widely to grasp the challenges different industries face and spark product ideas.

What are your favorite inspirational quotes for teens about money? Let us know in the comments!

Vicky Monroe

Vicky Monroe is a freelance personal finance writer who enjoys learning about and discussing the psychology of money. In her free time, she loves to cook and tackle DIY projects.

5 Characteristics of a Good Parent for Raising Financially Savvy Kids

January 17, 2025 | Leave a Comment

If you want your kids to grow into financially savvy adults, it’s important to start educating them about money early on. However, teaching kids about money isn’t easy and requires these 5 characteristics of a good parent. Money is an abstract concept that can be hard for kids to grasp, so it takes a special approach to instill good financial values. Here are some tips to help you pass down financial knowledge to the next generation.

Raising Financially Literate Kids: 5 Characteristics of a Good Parent

Here are the 5 characteristics of a good parent — Image Source: Pexels

Creative

Some kids aren’t interested in money, so may need to find creative ways to get your children excited about finances, such as play-based learning. For example, running a pretend grocery store can help young children understand the cost of food and the purchasing power of money. Older kids may enjoy playing family board games like PayDay, Monopoly, and The Game of Life, which impart crucial financial lessons.

It’s also important to find creative ways to instill good financial habits. Providing your kids with opportunities to earn an allowance can teach them the value of hard work. To motivate them to start building a nest egg, consider matching a percentage of their savings. You can also encourage them to set financial goals and help them make a plan to achieve their savings targets. You could even do a no-spend or pantry challenge as a family to make saving money fun.

Honest

Opinions vary on whether or not you should discuss the household budget with your kids. Some parents believe that exposing kids to adult money matters could stress them out. However, others argue that shielding your children from financial realities like bills and debt leaves them unprepared for an independent life.

Luckily it’s possible to strike a balance between the two. You can be honest about your financial situation without overwhelming your kids by keeping the discussion age-appropriate. Younger kids can handle being told that the toy they want isn’t in the budget right now. Tweens and teens may be ready for conversations about tougher topics in preparation for adulthood, such as student loans and job loss.

Responsible

Model good financial behavior — Image Source: Pexels

Next on our list of 5 characteristics of a good parent is responsibility. You can’t expect your kids to become financially savvy if you aren’t prudent with your own money! It’s important to model positive financial habits like paying bills on time, avoiding debt, saving and investing regularly, and practicing frugality.

Although your kids will learn just by watching you, try getting them involved in the process of running a thrifty household. For example, you can clip coupons together and explain what sales circulars are. Teach them how to compare the unit prices of products at the supermarket and find the best deal. It’s also wise to pass down practical, money-saving skills they’ll need in adulthood, such as cooking and home improvement.

Entrepreneurial and Adaptable

Entrepreneurial mindset is one of the 5 characteristics of a good parent — Image Source: Pexels

Young adults often rely on side hustles to get by, including 70% of recent college grads. For that reason, it’s essential to teach your kids to be adaptable and entrepreneurial. You can encourage your child to develop a business mindset by helping them identify earning opportunities, such as babysitting or selling their art. You can also lead by example and work on developing multiple streams of income to build financial resilience.

Patient

Last but not least, patience is one of the 5 characteristics of a good parent who’s raising financially savvy kids. Money is a complex subject, so children usually need lots of repetition to wrap their heads around it. You might have to teach them the same money lesson multiple times for it to really sink in. Explaining abstract concepts like compound interest and index funds could take a while, so remember to be patient with your kids while they learn the ropes.

As they grow and begin to spread their wings, they may make some financial mistakes. Instead of shaming them, help them understand where they went wrong in a nonjudgmental way. Providing gentle correction when they mess up (and positive reinforcement when they succeed) will help guide them toward the right financial path.

How do you teach your kids financial literacy? Share your tips in the comments!

Vicky Monroe

Vicky Monroe is a freelance personal finance writer who enjoys learning about and discussing the psychology of money. In her free time, she loves to cook and tackle DIY projects.

Affordable DIY Kids Crafts Supplies You Can Buy Today for Endless Fun

January 16, 2025 | Leave a Comment

DIY kids crafts are not only fun, but also beneficial for your child’s development. Many crafts improve fine motor skills and help kids cultivate a creative, problem-solving mindset according to Scholastic. Plus, bringing projects to life gives kids self-confidence in their abilities and talents. Although art supplies and classes can be expensive, there are cheap DIY crafts you can make at home, such as clay ornaments and friendship bracelets. If you’re on a budget, check out our list of affordable DIY kids crafts supplies below.

DIY Kids Crafts That Won’t Break the Bank

Bracelet Making Kit

Making friendship bracelets isn’t just a DIY kid’s craft—it’s a fun and relaxing hobby for teens and adults too. Thanks to Taylor Swift, many music fans exchange colorful bracelets at concerts and festivals. So the whole family will have a great time creating custom jewelry that they can keep or swap with others.

If you’re on a budget, check out this affordable bracelet-making kit from Dowsabel. It has everything you need to get started, including 4,500 clay beads, clasps, charms, scissors, string, and more.

Building and Painting Kit

Building and painting kits can help your child develop fine motor skills while cultivating their creativity. Putting together wooden models is a fun way for kids to improve their hand-eye coordination. Your child will also enjoy customizing their toy with colorful paint and stickers that express their personality. Plus, they’ll be able to play with it once they’re done crafting, providing hours of entertainment.

There are many different types of models, including race cars, dinosaurs, and even marine animals. So you’ll definitely be able to find a kit that matches your child’s interests. However, keep in mind that a model with small parts could be a choking hazard for younger kids.

Spirograph

Spirographs offer kids a window into a fascinating world where art and math collide. Spirographs are curved shapes that follow the basic principles of geometry. Kids can create them using a spirograph kit, which comes with plastic wheels and rings to help them draw intricate designs. The kit also contains colorful pens, sheets of drawing paper, and a guidebook with step-by-step instructions.

This DIY kid’s craft was popular in the 1960s and has stood the test of time. You might’ve even had a spirograph set when you were a child!

Air Dry Clay

Air-dry clay is ideal for DIY kid’s crafts because it hardens and holds its shape. Your child can use it to sculpt ornaments, small figurines, trinket dishes, fairy houses, and more. You can also find fun tutorials online, such as this dyed pasta mosaic that’s set in self-hardening clay.

The best way to get started is to purchase an affordable set of air-dry clay like this one from Fenmay. It comes with 36 different colors of clay and various sculpting tools, allowing your child to bring their vision to life.

Tape

Tape probably isn’t the first thing that comes to mind when you think of DIY kid’s craft supplies. However, duct tape can be turned into many beautiful, practical objects, from wallets to bracelets to bow ties. Duck Brand has hundreds of craft ideas on its website, including cute holiday decorations like this Valentine’s Day wreath. Duck brand tape comes in adorable patterns like checker, leopard, and tie-dye, allowing your child to create a colorful work of art.

Kids can also play with painter’s tape and use it to make a racetrack for toy cars. Or try outlining a hopscotch court on the floor for hours of indoor entertainment on rainy days.

Dot Markers

Dot makers are fun — Image Source: Pexels

Are your kids bored with regular drawing supplies like crayons and colored pencils? Check out these dot markers, which have a large, round sponge tip. The special dauber creates a big circle when pressed on the page, giving your child’s art a unique effect. The markers are even waterproof, making cleanup a breeze. There are lots of free dot activity printables and coloring sheets online, so this is an affordable DIY kids craft.

Pipe Cleaners

Last but not least, pipe cleaners are a great addition to your stash of DIY kid’s craft supplies. They’re easy for little hands to bend into a wide variety of shapes, such as flowers and hearts. The fuzzy texture also provides a pleasant sensory experience for kids of all ages. You can get a pack of 200 multicolor pipe cleaners for the price of a cup of coffee, so this activity won’t break the bank.

What are your favorite DIY kid’s crafts? Share your project ideas in the comments below!

Vicky Monroe

Vicky Monroe is a freelance personal finance writer who enjoys learning about and discussing the psychology of money. In her free time, she loves to cook and tackle DIY projects.

Top 10 Financial Literacy Books for Kids to Teach Money Skills Early

January 13, 2025 | Leave a Comment

Unfortunately, financial education isn’t required in all public schools. So your kids may not learn the money lessons they need to know in the classroom. Luckily there are books about financial literacy for kids to fill in the gaps and teach your children about budgeting and investing. To set your kids up for financial success, check out the 10 best money books for children of all ages below.

10 Best Books About Financial Literacy for Kids

1. Investing for Kids: How to Save, Invest, and Grow Money

This finance book for preteens covers investing concepts such as compound interest, risk, and diversification in an entertaining way. The humorous writing style and cartoon illustrations help keep young minds engaged. There are also interactive games, discussion questions, and exercises you can complete with your child to ensure these important money lessons stick. The authors even provide side hustle and investing ideas that kids can pursue to start building their wealth early.

Overall, Investing for Kids receives 4.7 stars from happy customers. One glowing review says the book is “great for kids and adults alike,” because it’s easy to read, interesting, and informative. You can grab your copy here.

2. Finance 101 for Kids: Money Lessons Children Cannot Afford to Miss

Wealth generating activity book — Image Source: Pexels

Finance 101 proves that financial literacy for kids doesn’t have to be boring. The book contains funny illustrations, impactful quotes, and real-world examples that will capture your child’s attention. Instead of focusing on one topic like investing, Finance 101 discusses a wide range of financial concepts, including credit scores, debt, international currencies, basic economics, and charitable donations.

Amazon reviewers give the book an average of 4.7 stars. A satisfied customer says the book is a “fantastic resource.” It uses “relatable examples, clear explanations, and practical tips” to explain important topics like budgeting and saving. The book even helped spark family discussions about financial goal-setting! Click here to pick up a copy of Finance 101 for your household.

3. Evan-Moor Financial Literacy Lessons and Activities

Evan-Moor publishes activity books that focus on financial literacy for kids. There are several editions for students in different grade levels, including middle school, first grade, and third grade. Each book contains real-world lessons, vocabulary lists, games, and math exercises. Your kids will learn valuable skills like how to do taxes, balance a budget, tally up a shopping cart, and more.

These workbooks all receive 4.6 to 4.8 stars on Amazon. One happy parent says the book “gives realistic lessons that kids need to know, such as having a bank account, paying rent, getting a loan, etc.” Grab a copy of the fifth-grade version here, or one of the other editions above!

4. Humble Math – Money and Financial Literacy

Need a book about financial literacy for kids 12 and up? Check out Humble Math, which provides 100 days of money management lessons for teens. Topics covered include responsible spending, business basics, simple and compound interest, and sales and discounts. Plus, the book dives into various types of loans, such as mortgages and term loans. This will help your child understand student debt before they head off to college.

Customers give Humble Math a solid 4.5 stars. One reviewer says, “This is my favorite math workbook from the Humble series! I really like how it teaches consumer math and personal finance concepts.” Snag a copy for a teen in your life here.

5. What Is Money? Little Economists

Did you know that kids start grasping basic money concepts between the ages of 3 and 4? For that reason, it’s never too early to start educating your children about finances. This book by Kelly Lee is the perfect introduction to financial literacy for kids ages 3 to 6. It’s a storybook that follows a bunny named Charlie as he learns where money comes from and why he should save it. Charlie has multiple piggy banks for different goals, demonstrating the importance of financial planning to kids.

This adorable picture book has a 4.4-star rating on Amazon. After reading it, one child was “excited to spend money on a toy, share money with an animal shelter so they can buy dog and cat food, and save money.” We call that a success! Grab your own copy here.

6. Robot Finny’s Big Money Adventure

Robot Finny’s Big Money Adventure is an illustrated storybook suitable for ages 8 to 12. This fun financial tale teaches older kids the value of money and the importance of making wise financial decisions. It also encourages kids to reach for the stars, set big-money goals, and give back to their community.

Reviewers give Robot Finny a whopping 5 stars. A mom called the book a “game-changer.” It helped her child “not only grasp the concepts of saving, budgeting, and responsible spending but also apply them to earn her first dollars.” Check out what all the hype is about!

7. Think Like a Boss Kids Edition: 47 Money Making Ideas for Young Entrepreneurs

Financial literacy for kids isn’t just about saving money—they also need to learn how to earn it. Think Like a Boss Kids Edition will turn your child into a budding entrepreneur by giving them over 47 fleshed-out business ideas. The book also explains the key ingredients of success, provides business advice, and offers tons of encouragement. Your child will feel like they can achieve anything after reading it!

Think Like a Boss currently has a 4.4-star rating on Amazon. A happy customer called it a “shining five-star beacon of inspiration and practical guidance.” So you won’t regret adding it to your cart!

8. Kyng & Kyren’s Generational Wealth Building Activity Book

Father-son team Kyren and Kyng created this activity book to teach kids about building generational wealth. This age-appropriate resource introduces kids to financial independence and fiscal responsibility in a digestible way. By completing fun mazes, crossword puzzles, coloring sheets, and mini-lessons, your child will learn how to leave a financial legacy.

Kyng & Kyren’s workbook has a rating of 4.9 stars, making it one of the top titles about financial literacy for kids. One reader says the book is a must-have because it’s “easy for my son to understand and the activities are fun to do.” Check it out here.

9. Financial Literacy Series by Money Mentor Publications

This series of financial literacy books will grow with your kids, teaching them everything they need to know to be self-sufficient adults. Over the course of three books, your children will learn about financial scams, college costs, budgeting on a tight income, taxes, and more.

The books have an average rating of 4.9 stars and receive top marks from parents. A satisfied reader says the series provides the “life skills needed for adulthood,” in a format that’s easy to read and entertaining.

10. 108 Financial Literacy Flashcards

If your child has trouble reading full-length books, these flashcards may be more accessible. This deck will introduce your child to important financial vocabularies like equity and dividends. Each card has a text definition and a picture right beside it, making complex financial terms easier to understand. This deck of cards has a 4.6-star rating on Amazon and is a “great tool to teach your children about financial literacy.” You can grab your set here.

What are your favorite financial literacy books for kids? Share your recommendations in the comments!

Vicky Monroe

Vicky Monroe is a freelance personal finance writer who enjoys learning about and discussing the psychology of money. In her free time, she loves to cook and tackle DIY projects.

Understanding the Costs of Early Childhood Special Education and How to Save

January 10, 2025 | Leave a Comment

Estimates suggest that raising a child with special needs from birth to adulthood can cost upwards of $2.5 million. Thankfully there are publicly funded programs, grants, and other types of assistance that can significantly reduce your out-of-pocket costs. For example, state-run early childhood special education programs can help babies and toddlers with developmental delays build language and motor skills. Children who receive early intervention are less likely to need support services later on, potentially saving you thousands down the line. Here’s how to get your child the help they need without breaking the bank.

How to Save on Early Childhood Special Education

If your child isn’t hitting important developmental milestones, they may need additional support to catch up, such as physical or speech therapy. Starting interventions early before your child enters school can set them up for academic success. However, the cost of private services is out of reach for many families. Private providers may charge $100 to $200 per hour or more. If you have insurance, it may help cover the cost of medically necessary services. Below are some additional avenues to explore.

Publicly Funded Early Childhood Special Education Programs

Public school is a great option — Image Source: Pexels

According to the CDC, early childhood special education programs are currently available in every state. Children with special needs can receive support services for free or at a reduced cost. Some states charge nothing, while others may require you to pay a sliding scale fee based on your income.

To determine your child’s eligibility, you can either speak to their pediatrician or arrange a developmental evaluation through the state. If your child is under the age of three, you can call your state’s early childhood education program to get an assessment. Kids older than three can be evaluated by the local school district even if they don’t attend classes there.

Apply for Grants

applying for grants can help lighten the load — Image Source: Pexels

Many nonprofit organizations offer grants to help parents cover their child’s healthcare costs. Although you won’t have to repay these funds, you may be required to use them for specific purposes, such as assistive devices or medical bills. Keep in mind that some grants may only be available to children with certain conditions or families with limited incomes. Before you spend time filling out an application, make sure you meet the eligibility requirements for the grant. Below are a few organizations that may provide aid, but keep in mind that funds are limited.

The M.O.R.G.A.N. Project
The Federation for Children with Special Needs
Autism Speaks and Autism Care Today
Disabled Children’s Relief Fund
Different Needz Foundation

Research Community Resources

Your community is here to support you — Image Source: Pexels

There may also be nonprofits in your local community that provide various services to kids with special needs. For example, Extra Special People in Georgia runs affordable summer camps and after-school care programs for kids with disabilities. Some churches have food pantries, transportation services, and respite care programs to help members in need. Many communities also have assistive device exchange programs to make it easier to afford medical equipment. Googling “resources for disabled children” followed by your location can yield helpful search results and services.

Take Advantage of Tax Credits

Find tax credits that will benefit you — Image Source: Pexels

Parents of disabled children may qualify for certain tax credits or deductions. You may be able to deduct the cost of prescriptions, travel to and from appointments, medical equipment, and necessary home modifications on your taxes. There are also tax credits you might be eligible for, such as the EITC for Parents of Children with Disabilities or Child or Dependent Care Credit, which helps offset childcare costs.

Consider Applying for Benefits

Being a caretaker is valid — Image Source: Pexels

There’s no shame in applying for benefits if you need them. Caretaking responsibilities often make it difficult for parents of disabled children to earn sufficient income. Depending on your salary, you may qualify for programs like Medicaid and CHIP, which provide free or low-cost health coverage. If your child is considered disabled, you may be eligible to receive SSI payments from the Social Security Administration as well. Other programs to look into include food stamps and TANF, which provides emergency financial assistance. These programs can reduce the strain on your budget and help you afford the therapies your child needs.

Early childhood special education can be expensive, but luckily assistance is available. Grants, state-run programs, and community resources can help you cover the cost of the support services your child needs. Do you have any strategies for saving money on medical costs? Share your tips below!

Vicky Monroe

Vicky Monroe is a freelance personal finance writer who enjoys learning about and discussing the psychology of money. In her free time, she loves to cook and tackle DIY projects.

How to Make Family Bonding a Priority in Your Busy Schedule

January 8, 2025 | Leave a Comment

In the hectic rush of daily life, it can be difficult to find time for family bonding. Because everyone is busy with school, work, and extracurriculars, you have to be intentional about scheduling family activities. Creating shared calendars and reprioritizing your schedules can help you carve out quality time to spend together. Here are six tips to help you foster connection with your kids and make time for family bonding.

6 Ways to Prioritize Family Bonding

Create a Shared Calendar

Have one family calendar so you never miss an important event — Image Source: Pexels

When the whole family is busy with appointments and extracurriculars, it can feel impossible to connect. Creating a shared calendar to keep track of everyone’s schedules can help you carve out free time to spend together. Google has a family calendar that allows both parents and kids to set up and edit events, which makes it easy to coordinate with each other. Once you have an understanding of everyone’s commitments, consider scheduling a weekly family bonding session. Setting up a standing appointment to play board games or grab lunch will help you deepen your relationship with your kids.

Cherish the Everyday Moments

Its the little moments that well hold on to forever — Image Source: Pexels

Everyday activities like getting the kids ready for school and cooking dinner can feel rushed and hectic. However, being mindful during these moments and trying to cherish them can help you feel closer to your kids. Even busy mornings and evenings may offer opportunities for family bonding. During long drives to extracurriculars or nightly family dinners, you can ask each child about the high and low moments of their day to connect.

Getting your kids involved in meal prep and chores in age-appropriate and fun ways can also foster connection. For example, you could create a cleaning playlist to dance to while you all tidy up. Making chores a game by setting a timer and racing to see who can clean up faster can turn mundane household tasks into family bonding time. Cooking is also a great way to bond with your kids, enabling you to pass down treasured family recipes and share your culture. Focusing on being more present in daily life will help you cultivate special moments and family routines that your kids will remember.

Create Family Traditions

Family traditions can cement your bond and lead to years of joy — Image Source: Pexels

Creating annual or seasonal family traditions will help you mark and celebrate the passage of time together. For example, during the fall you could head to your favorite local pumpkin patch and make a delicious pie afterwards. In the spring, you could observe the equinox and welcome the new season by planting seeds together in the garden. The warm summertime weather provides many opportunities for family bonding. You could take a trip to the beach, go camping, pick strawberries, or even enjoy an annual family picnic.

Establishing family rituals gives your kids something to look forward to and helps create treasured memories. You can even get your kids involved in choosing which traditions to adopt and repeat.

Leverage Technology

utilize technology to stay connected — Image Source: Pexels

Screen time can sometimes get in the way of family bonding. However, there are ways to leverage technology to improve your relationship with your kids. Playing video games or watching funny viral videos together can help you laugh with and relate to your children. Creating a family group text allows you to check in with each other throughout the day and even share memes or inside jokes.

You can also use apps to establish shared hobbies. For example, Duolingo and Babbel can help you learn a new language together. Fitness apps like Pokemon Go and Zombies Run can encourage physical activity while fostering family bonding.

Technology also allows you to bond with relatives who don’t live nearby. Scheduling a regular Zoom call with grandparents, aunts, uncles, and cousins can help your kids feel connected with their extended family. You can also make use of websites that allow you to play board games virtually with loved ones, such as Board Game Arena and PlayingCards.io.

However, it’s also important to know when to put your devices away. Watching too much TV at night or using phones at the dinner table can stifle conversation and impede connection. Although technology can be leveraged to create family bonding time, kids need face-to-face interactions without screens too.

Say No More Often

Say no to outside distractions when making time for family — Image Source: Pexels

If there isn’t enough room in everyone’s schedules to slow down and enjoy family bonding, you may need to start saying no to new commitments. Although extracurricular activities teach valuable skills, it’s important for kids to have downtime too. Paring back sports and lessons can prevent your family from feeling overscheduled and disconnected from each other.

Parents can sometimes stretch themselves too thin as well. To protect family time, you might have to cut back on after-hours work events, PTA meetings, and other nonessential commitments. Although it can be hard to say no, practicing boundaries and making time for rest will set a good example for your kids.

Communicate Openly

Prioritize open communication — Image Source: Pexels

Open, loving communication can help you feel connected to your kids even when you can’t be together in person. Sticking an encouraging note in their lunch box or sending them a thoughtful text can go a long way. If you have to travel for business, consider calling or video chatting with your kids at night to maintain bedtime routines. It’s also important to make it clear that your children can talk to you about anything, including struggles they’re facing. Knowing that you support them in good times and bad will help your kids feel closer to you.

How do you promote family bonding even when you’re busy? Share your tips in the comments!

Vicky Monroe

Vicky Monroe is a freelance personal finance writer who enjoys learning about and discussing the psychology of money. In her free time, she loves to cook and tackle DIY projects.

Start The New Year Off With A Fun Family Trip to Florida

January 6, 2025 | Leave a Comment

Many people believe that the Sunshine State is an expensive vacation destination. However, it’s totally possible to have family fun in Florida on a budget. If you’re pinching pennies, you probably won’t be able to visit pricey attractions like Disney World and Universal Studios. But luckily Florida has lots of affordable entertainment options, from gator parks to manatee preserves. If you’re tired of the cold and dreaming of a tropical getaway, here are some tips to help you plan an affordable trip.

6 Ways to Have Family Fun in Florida on a Budget

Marvel at Manatees

Manatee Family fun in Florida on a budget — Image Source: Pexels

Believe it or not, you can observe wild manatees in Florida. It’s amazing to watch these huge, magnificent creatures float around and munch on palm trees. During the winter, they tend to congregate near power plant outfalls and springs because the water is warmer there. So if you time your trip right, you may be able to see dozens of manatees at once!

Most manatee observation centers and parks are free or low-cost, so this is a great way to have family fun in Florida on a budget. Check out this list of popular viewing areas from the Florida Fish and Wildlife Conservation Commission to plan your trip.

Hang With Gators

See alligators in Florida — Image Source: Pexels

Another way to have family fun in Florida on a budget is to hang with gators. You can spot alligators, turtles, and other wildlife at many state parks throughout Florida, including the Everglades and Hillsborough River near Tampa. To enhance the experience, you can even book an airboat tour. Companies like Gator Park in Miami offer affordable tickets and allow children 5 and under to ride for free.

There are also alligator theme parks such as Gatorland in Orlando and Gatorama in Palmdale. They have entertaining exhibits and animal shows that will teach your kids about crocodiles, alligators, and other reptiles. Gatorland even has a thrilling zipline positioned over a crocodile enclosure for an additional fee. Admission is much more affordable than other theme parks, enabling you to have family fun on a budget in Florida.

Visit Disney Springs and Other Malls

Florida has some amazing malls — Image Source: Pexels

Want to get a taste of Disney World without breaking the bank? Admission to Disney Springs, a themed shopping complex, is totally free. There are many fun places to window shop, including a Lego store, a Disney apparel shop, and a Star Wars galactic trading post. The complex also has outdoor stages that offer free entertainment. Right now there’s an art walk featuring the work of local painters and a music show called Springs in Motion. You can also pay for special experiences such as bowling or riding in a tethered hot air balloon.

If you aren’t visiting the Orlando area, rest assured that there are other malls and outlets in Florida to explore, such as CityPlace in West Palm Beach and Dolphin Mall in Miami.

Play Miniature Golf

Mini golf Family fun in Florida on a budget — Image Source: Pexels

Florida has many sprawling, themed mini-golf courses that your kids will love. Congo River features caves and tropical rainforests, so it’s no surprise that it was rated the best mini golf course in Florida. There are eight different locations throughout the state, including Kissimmee, Bonita Springs, Daytona Beach, and Clearwater.

If you’re visiting Orlando, don’t forget to check out Disney’s Fantasia Gardens mini golf course. It’s located on the grounds of the Swan Hotel and offers Disney magic at an affordable price point. The two 18-hole courses feature hippos, ostriches, and other characters from the iconic film.

Relax on the Beach

Florida beach fun with the family — Image Source: Pexels

The best way to have family fun in Florida on a budget is to relax and play at the beach. Around 90% of the state’s coastal access points are open to the public, so you’ll have plenty of choices. This convenient map from the Florida Department of Environmental Protection shows you all of the pristine beaches you can explore. Don’t forget your sunscreen and beach toys!

Visit Free or Low-Cost Museums

Art museum Family fun in Florida on a budget — Image Source: Pexels

If you’re hunting for free museums, Florida will not disappoint. You can find a number of fantastic museums scattered from Tallahassee to Sarasota, all with free admission at least one day a week. Tallahassee has the Museum of Florida History, which is always free and combines exhibits and educational programs to show how the state has grown. The Harn Museum of Art near Gainesville is one of the largest museums in the state and provides free entry. Found in the University of Florida’s Cultural Plaza, the museum houses collections of pre-Columbian, African, and American paintings as well as contemporary art.

In Sarasota, both the John and Mable Ringling Museum of Art and Bayfront Gardens are free on Mondays. You’ll also find the Glass Pavilion located in the same complex, which is always free. These three attractions feature a 66-acre rose garden and arboretum, 45,000 works of art, and a curated collection of blown glass.

From visiting museums to hanging out at the beach or lake, there are many ways to have family fun in Florida on a budget. Did we miss any of your favorite free or low-cost attractions? Share your travel tips in the comments!

Vicky Monroe

Vicky Monroe is a freelance personal finance writer who enjoys learning about and discussing the psychology of money. In her free time, she loves to cook and tackle DIY projects.

Trust Fund for Kids: Mistakes to Avoid When Securing Their Future

January 3, 2025 | Leave a Comment

Trust funds for kids — Image Source: Pexels

A trust fund for kids can be a useful financial tool that helps set your children up for success. Inherited wealth can sometimes be spent unwisely due to immaturity or lack of financial education. Distributing your assets to your kids through a trust gives you greater control over how the money is used, ensuring generational wealth isn’t wasted. A trust fund for kids can also be put in place to provide for children with special needs. However, the trust may not have the intended effect if it’s set up improperly. It’s important to avoid common pitfalls when securing your child’s future with a trust. Here are common mistakes parents make when setting up a trust fund for kids.

Setting Up a Trust Fund for Kids: Common Pitfalls

Common mistakes when setting up a trust fund for kids — Image Source: Pexels

Not Understanding the Different Types of Trust Funds for Kids

There are two main types of trusts—revocable and irrevocable. A revocable trust can be changed after it’s established, allowing for greater financial flexibility. Irrevocable trusts, on the other hand, usually can’t be amended once they’re set up. However, they often provide more protection from lawsuits and creditors while offering certain tax benefits.

For example, a generation-skipping trust enables you to pass down money to your grandkids to avoid estate taxes. If you’re setting up a trust for a disabled child, a special needs trust can help ensure they remain eligible for certain government benefits. Figuring out which trust fund for kids is right for your family is a crucial step in the process, especially since irrevocable trusts cannot easily be modified.

Choosing the Wrong Trustee

Parents setting up a trust fund for kids must choose a trustee to manage and disburse the assets according to the rules they set. The trustee will have control over your wealth, so it’s important to choose someone responsible who will invest it wisely. Although you love your family members and friends, it’s possible that they may not be the best choice for this role. Naming a relative as a trustee can put them in the awkward position of having to deny your child access to funds at times. Mixing family and finances in this way could put a strain on your child’s relationships.

Choosing a professional fiduciary like a bank to be the sole or co-trustee may be a better move depending on your circumstances. As a neutral third party with significant financial expertise, your bank can help ensure your wealth is protected and distributed according to your wishes. However, financial institutions usually charge management fees, which is something to consider. Before you make any decisions, be sure to carefully research and weigh your options.

Setting Overly Rigid Rules

Overly rigid rules trust fund for kids — Image Source: Pexels

Trust funds can be used to incentivize your kids to make good decisions. Some parents choose to set rules that reward positive behavior. For example, a child who maintains a great GPA in college may be allowed access to a bigger portion of the funds at an earlier age. You can also tie disbursements to major life milestones, such as getting married or buying a house. However, setting rules that are too rigid could prevent your child from accessing needed funds. After all, life can take many twists and turns, so it may be unwise to tie their inheritance to specific life benchmarks like marriage or college graduation.

It’s important to consider your child’s abilities and goals when setting guardrails. In some cases, it may be better to schedule disbursements according to your child’s age instead of their specific life stage. This setup ensures that your child is mature enough to handle the financial responsibility of managing their inheritance while providing greater flexibility. Another option is to require your adult child to meet with a financial advisor before gaining control of the funds. Your lawyer can help you structure the trust with rules that will set your child up for financial success without being overly strict.

Failing to Consider the Impact on Financial Aid

Trust fund for kids can impact financial aid — Image Source: Pexels

Parents creating a trust fund for kids must also consider the impact on college scholarships and financial aid. If your child is named as the beneficiary, the trust fund will typically be counted as one of their assets. Depending on the value of the trust and how it’s structured, it could affect their eligibility for financial aid. It’s important to consult your lawyer to determine how distribution rules and other factors could impact your child’s education.

Trust Funds for Kids Can Be Complicated

Trust funds for kids are complex — Image Source: Pexels

Although trust funds are a valuable financial planning tool, they can be quite complex. That’s why it’s important to consult lawyers and other experts you trust during the setup process. Taking the time to fully understand and carefully consider your options will prevent you from making costly mistakes.

Vicky Monroe

Vicky Monroe is a freelance personal finance writer who enjoys learning about and discussing the psychology of money. In her free time, she loves to cook and tackle DIY projects.