How to Save for a Rainy Day Fund

Emergency Cash Sources Every Mom Should Know About

Everyone needs a rainy day fund. Don't get me wrong, being a full-time mom is great, but raising children is very expensive. Especially, when you're a single mother. Whether you've raised many children from birth to adulthood or you're taking care of your first child, there are always extra expenses that don't fit into your weekly budget. With the price of childcare rising, along with all of the other unexpected expenses you'll experience as a parent, you need to know about available emergency cash sources. Here are some tips on how to save for a rainy day fund and ensure that you have access to extra money for your family should the need ever arise... And, you know it will.

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Get this Rainy Day Fund Bank on Amazon.

Credit Cards and Mattress Money 

If you try to save on every purchase that you make, you might be able to store away a little extra money for a rainy day fund. For example, utilizing coupons is a great way to see your weekly grocery bill go down. With the money that you don’t spend on household expenditures, you can start your own ‘mattress money’ fund. Of course, you don’t actually need to keep your savings under the mattress, but keeping tangible funds somewhere in your home will come in handy during an emergency. Alternatively, using a credit card when you are in a pickle isn’t a bad idea so long as it is for an absolute emergency. In fact, having a couple of credit cards with large available balances is great for when you have an unexpected, last minute child related expense.

Learn to Get out of Debt Math Lesson for Homeschoolers

Short-Term Personal Loans

A lot of people still think that the only types of personal loans available are the ones that are offered by local banks. The truth of the matter is that there are all sorts of lenders who regularly make short term personal loans. At loanpig.co.uk, for example, small to mid-sized personal loans are often approved online in minutes. So, if you have a big expense that you only have a few days to come up with the money to pay, a short-term loan can save the day. These types of loans also come with manageable repayment terms, so you don’t have to worry about your debt skyrocketing. While you may not want to take out a short-term personal loan to pay for a child’s birthday party, it's certainly reasonable to take advantage of a small loan to help deal with emergencies or to help bridge the financial gap between pay periods.

Tips for Traveling on a Budget with Kids

Charities and Fundraising

There isn’t anything wrong with accepting or even asking for a little financial help whether you're a busy mom or anyone else. There are charities that help moms furnish their nurseries, aid them in rebuilding after tragedies, and just give a hand where needed. A friend might start a fundraiser for a working mom who has always been frugal and yet still is barely managing to make ends meet. There are charities that help moms get toys and clothes for their children during the winter holiday season as well as fundraising efforts that have given working class families the ability to go on amazing international holidays. Find what funds might be available to your family for emergencies and more. 

It is often very difficult for moms to think clearly when facing a financial emergency. You may go whizzing about looking for ways to pay an expense when the solution is right below your nose. Take a breath, relax, and think back to all of the ways you have prepared yourself and your family for the future when seeking a solution. These days, there are all kinds of ways to earn money online. Got stuff to sell? Give Facebook Marketplace a try!

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What are the Benefits of Outdoor Play?

Playing Outside Improves Mood

This post was sponsored by Landscape Structures as part of an Influencer Activation for Influence Central and all opinions expressed in my post are my own.

Have you noticed a change in your children when they're playing outside? Sure, they may complain that they're tired or that it's too hot or even that they're bored. However, outdoor play benefits kids in many ways. Once children have built the coping and social skills needed to interact in an outside play environment, the benefits of outdoor play far outweigh their complaints! What are the benefits to outdoor play? Keep reading to learn some tips on how to keep your kids happy outdoors.

What are the benefits of outdoor play?

Be Prepared. 

When you take your kids to an outdoor play space or local park, be sure to be prepared. Bring a cooler with bottles of water for hydration, cool, healthy snacks like carrots and cucumbers, and go ahead and throw in a treat for when they've depleted all of their energy. 

You may also want to bring a change of clothes, a non-toxic bug repellent, a blanket for resting, hats or sunglasses to shade them from the sun, and a first aid kit. Whatever you can do to insure the happiness of your children and counteract any excuses they may have for not wanting to play, only increases your chances for success.

If you're forgetful and always seem to forget the essentials, keep a park preparedness kit in your car. We never leave the house without folding chairs, a vinyl table cloth, and an umbrella packed in the trunk. If you leave a mini cooler in the trunk, it's always waiting there to be filled. You can simply stop at any convenience or grocery store along the way.

Benefits of Playing Outside

Best Places for Outdoor Play

No matter where you choose to incorporate outdoor play, it's beneficial to your child. Simply being outdoors in the sunshine can boost your child's immune system because the sun gives us vitamin D which is essential to health and happiness. Dr. Clare McCarthy shares some benefits of outdoor play over at Harvard Health. Even if you have a tiny yard, be sure to create a space for your child to get in some daily outdoor play. If they like to color or finger paint, set up a table for crafting outdoors.

Water is the most fun element of sensory play.

A well designed play structure will keep your kids busy for an hour or two. You may not be familiar with the brand name Landscape Structures, but I'll bet you've seen one or two. These playground structures aren't just for swinging and sliding, they're set up with all kinds of ways to get kids moving and to encourage sensory play.

When you give children the freedom to play and discover on their own, they build self-confidence to explore more things on their own. They want to see what else they can discover without mom or dad. So, sit back and relax while the kids explore the outdoor environment and find new ways to have fun.

Hello, over there! This megaphone encourages interaction with others.

Landscape Structures playgrounds are designed to welcome children of all ages and abilities. This play equipment has all kinds of sensory elements and play activities that encourage kids to work together making it easier for them to socialize with others. These playgrounds also encourage exercise, but don't worry, your kids will have so much fun playing on the equipment they won't even know they're exercising!

Sneaky playground equipment encourages exercise.

Sensory play aids in the learning process. Children who play outdoors have more access to sensory elements as the five senses are involved in nearly every aspect of outdoor play. They hear other children laughing, birds chirping, and bugs buzzing. They feel the wind on their face and the grass on their feet. They can even taste the outdoors when berry picking or licking their salty lips.

Practicing on the bars builds upper body strength and self-confidence. 

These poles encourage learning to balance.

What will you do when it's raining? Rain is the best sensory activity! Grab an umbrella and some rain boots and slosh through some puddles with your kiddos! Reach up to the sky and savor the raindrops as they splash on your face. Show your children that rain is fun, don't discourage it. Rain even smells good! These days, most parks use rubber mulch. If storms do force you to stay inside for awhile, don't worry about the playground being wet. Be a good parent and take the first trip down the slide to dry it off for those finicky little ones.

Encourage social interaction with other kids, but don't force it. Kids are smart, they know what you're trying to do. If they're moody, they'll fight you every step of the way. Also, simply knowing that you want them to interact with other kids can make the feel self-conscious. They may feel too shy to talk to another child when they know that you're anxious for it to happen. Pretend to keep busy reading a book or returning a text. Don't get too caught up though, those little eyes are always watching you. Sometimes, they want you to watch them and know that you're proud of them. Always be ready with a thumb's up!

A simple way to encourage socialization is to point out a favorite character on another child's clothing. "Hey, look he's wearing a dinosaur shirt. Don't you love it!" Your child may not respond, that's okay. Don't push them. You've given them something to talk about. You've made a connection with another child. Sit back and watch what happens. Socializing may start out awkward. If you have a backward child, trying to force it will certainly backfire. Learn to be happy with a nod or a smile. The rest will come with time.

Outdoor play improves mood.

Sleepy kids!

As an exhausted parent, one of the best benefits of getting in a lot of outdoor play time with the kids is that you'll get to enjoy some down time when the kids take naps. Even if they are past nap taking, they'll probably stay quiet for the car ride home! Be careful not to let little ones get too over tired. Often, an over tied preschooler will have trouble sleeping through the night. They need just enough exertion for a good night's sleep. And no one wants an over tired toddler...


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6 Ways to Help Teens Lead Healthy Lives

Are you Ready to Show your Teenagers Healthy Habits?

If you’ve got a teen in the family, it can be challenging to get them to do anything. Encouraging them to lead a healthy lifestyle is an important foundation for their future adult years. Habits teens develop when they’re young can be beneficial to your teen for a lifetime. One of the best ways to influence your teen is to lead by example. Teens don’t usually take being told what to do very well. So what lifestyle choices can YOU adopt in the hope that they rub off on your teenage children?

• Eat Less Meat and More Fruit and Vegetables

The recommendation is that you eat at least five servings of fruit and vegetables every day. For many teens, this can be a difficult goal to achieve. You can help by leaving processed foods and snacks off your grocery list and making more meals and snacks at home. It also helps to set regular mealtimes and eat meals together as a family. We've been doing this the last year or so. Now, my kids prefer oranges to donuts!

• Exercise More

There are many benefits to regular exercise, not just the burning of calories. Physical activity also helps to keep the heart and lungs strong and produces endorphins. These are the chemicals that improve mood, which is always going to be good for a moody teen. Ideally, exercise should include a good balance of aerobic, strength and flexibility training. 60 minutes of vigorous exercise every day should be the goal for your teen to get them on track to lead a healthy lifestyle in the future.

• Moderate Your Drinking Habits

It’s important for teens to stay hydrated, especially if they participate in sports. Ideally, aim for six to eight glasses of water per day. Fruit juice is good along with low-fat milk. However, you should limit your teenager's intake of  sugary and caffeinated drinks as they have little nutritional value and just provide excess sugar and empty calories. Don't forget to limit your intake too!

• Introduce a Ditch the Gadgets Day

Is your teen glued to their smartphone most of the day? Did you know there is a condition known as social media addiction? You could introduce a ditch the gadgets day in your family and see how that goes. Alternatively, if you’re worried about your teen's social media obsession, there is professional treatment for teen social media addiction that can help. if you want to know more, please visit igniteteentreatment.com 

• Set a Regular Sleep Schedule

Eight to ten hours sleep is the optimum amount of sleep for a teen, for teens to function at their best during the day. It sounds like an achievable goal but when you factor in homework and other activities, together with the early morning school start, getting enough sleep can be challenging. Set a regular schedule and encourage your teens to have at least an hour of quiet time before going to bed. It also helps if electronic gadgets are switched off for the night. You too, Mom.

• Help Them Manage Stress

Being a teen can be very stressful, and teens don’t always know how to deal with their stressful lifestyles. The tips mentioned above are very beneficial, together with distractions, relaxation exercises, and talking. Being a positive role mode for your teen l is another way to teach teens stress management techniques.

Being a teen isn’t always easy, but with love and support from their family, teens can lead a healthy lifestyle and have a brighter future.  So can you! Are you ready to lead by example?

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This post contains Amazon affiliate links. 

ECE Continuing Education Online

Where do you go to get Early Childhood Education Training Online?

As a childcare provider, early education teacher, and summer camp director, I know how important continuing education and professional development is to childcare programs. There’s always something new to learn, new milestones to meet, and new knowledge to obtain. As an owner/operator of a school-age summer camp program, I want my staff to have a wide range of childhood development knowledge. Obtaining certification in early childhood education can improve your earning potential in the childcare profession.

This post contains Amazon Affiliate links.

Personally, I’ve taken many courses online and offline receiving certificates and credits toward my ECE (Early Childhood Education Certification.) ChildCare Education Institute offers certificate programs and coursework that meets the requirement for national credentials including the CDA. CCEI also has online certification programs for Director and Early Childhood Credentials. CCEI, a Council for Professional Recognition CDA Gold Standard™ comprehensive training provider, is nationally accredited by the Distance Education Accrediting Commission (DEAC) and is accredited as an Authorized Provider by the International Association for Continuing Education and Training (IACET).

I recently was given the opportunity to enroll in some of their courses in exchange for a review. All opinions are my own.

Many early childhood and school age programs require a certain number of continuing education courses each year. The courses are also a great resume builder for anyone who wants to become a professional child care provider.

As a homeschool mom, education blogger, and summer camp provider,  I want to keep up on the latest information in child care. So, when CCEI asked me to do a review, I jumped at the chance to look through the course offerings and take and earn a certificate.  

I’ve completed my certificate for Attention Deficit Disorders by taking this course: Attention Deficit Disorders: Course ID: SPN102 Course Level: Beginner Course Hours: 1

I’ve had some prior course work and even written about ADD and ADHD on my blog and on other education websites. However, this course was very informative, I even discovered some new methods for dealing with behavior problems.

The course took about an hour to complete and came with a printable study guide handout. At the end of the course, I took an exam and earned a course certificate which will fulfill continuing education needs.

It was easy to navigate through the CCEI course. As I was taking the class, I was able to scroll forward or backward as needed. At the end of the class, you’re given several questions for review before allowed taking the final exam. The review is designed to help you prep for the test.

With my prior experience, I knew many of the answers already, but there were a couple that I missed. When you miss a review question, the program takes you back to the place in the lesson where the information can be reviewed again before the test.

If you score poorly on the exam, you are allowed to take it again. So, there’s no need to be nervous. Earning your certificate online is easy and won’t take up too much of your time. With most courses taking about an hour, you can easily fit them into your busy schedule.

As a participant in the CDA Gold Standard℠ pilot, ChildCare Education Institute successfully demonstrated that its early childhood education training is based on the Council’s three industry-leading principles:

• Alignment with the CDA formal education coursework found in the CDA’s Eight Subject Areas.
• Sound business policies and practices.
• Quality student services that meet their educational and professional needs.

CCEI offers the following CDA certificate programs:

• Instructor-Supported CDA Certificate – English
• Instructor-Supported CDA Certificate – Spanish
• Self Study CDA Certificate
• CDA Credential Renewal Certificate – Infant-Toddler
• CDA Credential Renewal Certificate – Preschool
• CDA Credential Renewal Certificate – Family Child Care
• CDA Credential Renewal Certificate – Infant-Toddler – Spanish
• CDA Credential Renewal Certificate – Preschool – Spanish
• CDA Credential Renewal Certificate – Family Child Care – Spanish

CCEI currently offers a general Child Care Orientation Certificate, a Diversity and Multiculturalism Certificate, and a CCDBG Health & Safety Training for ECE Professionals in Nevada Certificate. CCEI’s Professional Development program acceptance varies with each state, so be sure that you know your organization and state’s requirements before signing up.  Click here for more information.

As an added bonus to CCEI’s over 150+ online PD courses in English & Spanish, if you purchase a center-based annual subscription for your staff, you’ll have access to over 10,000 unique activities like the sampling above to implement in the classroom.  An extra perk of learning with CCEI over others!

CCEI offers a wide array of courses for ECE staff and caregivers. I encourage anyone working with children to get their continuing education with CCEI. CCEI is convenient and easy to navigate, there are a wide array of classes, they offer classroom curriculum, and most classes take about an hour. If you’re a daycare operator, you’ll definitely want to take a look at the courses to implement continuing education for your staff.

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Refreshing Your Interior Decor: A Guide

Tips to Refresh Interior Decor

Interior Decor got you singing the blues? As a busy homeschool mom, life can become monotonous. Give your life a little boost just by refreshing your home's interior. There’s a difference between a house and a home, and one of the major differences is the personal touch that you’re able to add to it. This personal touch could be anything from a heart-warming family photo to a stuffed animal that you’ve had since you were a teenager that you put in your bedroom. From time to time, however, it can be a good idea to change up your interior and give it a new look. If you don’t have a decorating bone in your body, the thought alone might give you slight anxiety.

This post contains Amazon affiliate links.

On the other hand, perhaps you’re a pro at it and want a few ideas to give you the inspiration you need. Find ideas on refreshing your interior decor in this guide.

Decide What You Want to Change

Before you refresh your interior décor, you first need to think about what you want to chance. Refreshing means different things to different people, so for some, it may mean a complete transformation while for others, it could be a slight tweak. Take a look at your interior and make a note of the things that you don’t like, are tired of seeing, or need to be disposed of. A hint is to add color, texture, and pattern to give it a different feel. You can then think about where to start when you want to figure that out.

Deep Clean Your Home

Once you’ve decided exactly how you’re going to refresh your home, you can then start by giving it a deep clean. Whether you’re sticking with the same interior or decide to go for something slightly different, if your home is sparkling clean, it can make the changes you make look a lot better. There are a few specific areas to focus your cleaning on mentioned below.

Flooring

No matter what flooring you happen to have, it could do with a deep clean. Whether wood or tile, using the right cleaning products could help it look shiny and glossy. If you have carpet, on the other hand, consider a company like My Technicare as carpet is something that can be tougher to clean.

Windows

Often, when cleaning it’s easy to neglect the windows. However, cleaning it the right way could make the exterior of your house look significantly better. To clean your windows, try getting a good glass cleaner and a microfiber cloth. Before you spray the window, make sure you sweep away any dirt. When you spray the window, wipe one side of the glass horizontally and another vertically.

Furniture

Most people have at least a few pieces of furniture in their home. If you don’t want to end up replacing it in the near future, include this in your deep cleaning too. You can get sofas cleaned by a professional and dust other items with the right products.

Change the Paint

You’d be shocked at how much of a difference simply giving your home a touch up by painting it will make. You could decide to paint on your own or contract the job out to someone else. If you opt to paint yourself, try to avoid uneven painting, not prepping and using the wrong kind of paint.

Replace Worn Items

If you have a breathtaking sofa and it’s littered with throw pillows that are falling apart, it could dampen the entire look. For this reason, replace any items that no longer fit into your overall interior and replace them with new ones. You can usually get discounted items if you look in sales or clearances, so you don’t have to overspend to do this.

The interior of your home should be done up to your taste. If you use some of the above tips, you should find your house becomes your favorite place to be.

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What is Sepsis?

Is it Sepsis? Don't Wait to Find Out.

This is a post prepared under a contract funded by the Centers for Disease Control and Prevention (CDC) and written on behalf of the Mom It Forward Influencer Network for use in CDC’s Get Ahead of Sepsis educational effort. Opinions on this blog are my own and do not necessarily reflect the views of CDC.

What is Sepsis?

Sepsis is the body’s extreme response to an infection. It is life-threatening, and without timely treatment, sepsis can rapidly cause tissue damage, organ failure, and death. Sepsis happens when an infection you already have—in your skin, lungs, urinary tract or somewhere else—triggers a chain reaction throughout your body. This could include small skin infections from a bug bite, a burn, or any injury to the skin.

For yourself, and as a caregiver, it is important to know the signs and symptoms of sepsis. If you or someone you love has a chronic medical condition, such as an autoimmune disease, you need to pay special attention to infections that aren't improving.

Anyone can get an infection, and almost any infection can lead to sepsis. Certain people are at higher risk:

• Adults 65 or older
• People with chronic medical conditions, such as diabetes, lung disease, cancer, and kidney disease
• People with weakened immune system
• Children younger than one

We've often shared about our personal struggles with a “bad” diabetic. Bad refers to the fact that he won't go see a doctor. The typical excuse is that he doesn't have time, he doesn't have insurance, or he just doesn't like hospitals. It's frustrating and upsetting to the family. Not just our immediate family with young children, but to his older children, his parents, my parents, and anyone who cares about him.

I knew that diabetics had an increased risk of skin infections in the legs and feet, but I wasn't aware of the signs and symptoms of sepsis.

So, I'm warning and begging all of you who have loved ones, (that's every one of you) please be aware of the signs and symptoms of sepsis. Sepsis is life-threatening and without timely treatment sepsis can rapidly cause tissue damage, organ failure, and death. Time matters.

Know the signs and symptoms of sepsis

Sepsis signs and symptoms can include one or a combination of the following:

• Confusion or disorientation
• Shortness of breath
• High heart rate
• Fever, or shivering, or feeling very cold
• Extreme pain or discomfort
• Clammy or sweaty skin

Knowing the signs and symptoms of sepsis can save lives. Get Ahead of Sepsis encourages patients, their caregivers, and healthcare professionals to know the risks, spot the signs and symptoms, and act fast when they suspect sepsis.

Sepsis is a medical emergency. If you or your loved one suspects sepsis or has an infection that's not getting better or is getting worse, ask your doctor or nurse, "Could this infection be leading to sepsis?"

To learn more about sepsis and how to prevent infections, visit www.cdc.gov/sepsis.

For more information about antibiotic prescribing and use, visit www.cdc.gov/antibiotic-use.