How to prepare and manage Finance before Newborn

Leila Justice a.k.a GratitudeQueen is focused on building positive habits and learning to rise up with confidence and high self-esteem which lead to self- actualization. Reach out today for more info!

Financial Tips for New Parents

You’ve set up the nursery, folded tiny socks and onesies, and stocked up the diaper changing station. Now, as you prepare to bring home your new baby, there are a few things you need to consider when it comes to your finances. Here, Leila Justice a.k.a GratitudeQueen gives you a few tips to put your growing family on a strong financial footing:

Start Your Own Business – Consider Refinancing
If you’re not going back to your regular job after giving birth or adopting, starting a side gig from home is a good way to make some extra cash while spending time with your little one. And if you want peace of mind, consider forming a LLC to keep your personal assets separate from your business in order to protect yourself and your loved ones from liability. When you need a few hours of uninterrupted work, or if you have to meet clients outside your home, The Work at Home Woman suggests hiring an in-home nanny or babysitter part-time, or asking your support network to pitch in.

If you’re in need of startup funds for your venture, especially if you plan to work full-time at your own business, there are a number of resources available. Some entrepreneurs choose to refinance their home to drum up extra cash and put it toward all it takes to launch. Low interest rates make this a very viable option, compared with getting a small business loan. Refinancing can also lower your monthly mortgage payment and pay off the mortgage even sooner.

Update Your Health Insurance.

Once you bring your new baby home, you only have a short window of time to enroll them into your health insurance plan, usually about 30 days. If you neglect to do so, your baby may not be eligible for coverage. Start by contacting your insurance company and letting them know about your new family situation, then discuss plan options and see which one is the best and most
affordable for your family. Your health insurance company will require access to your baby’s birth records, and they may also need a copy of his or her birth certificate, so make sure you have all necessary documents at the ready.

Set Up Automatic Bill Payment
Bringing a newborn home is both exhilarating and exhausting. Sleep deprivation will likely cause you to forget some important stuff, like paying bills on time. So take advantage of automatic bill-paying options for all your recurring expenses. You can easily set up automatic payments with your bank, where money will be deducted directly from your account. Or you can pay bills automatically using your credit card, which presents two main advantage Finder notes that you’ll be able to detect and reverse fraudulent charges without too much hassle, and you can even get cashback as a reward for using your card.

Start an Emergency Savings Fund.
If you haven’t done so already, make sure you open an emergency savings account where you’ll have enough money stashed away to cover expenses for three to six months in case you lose your job, you suddenly need costly medical care, or a catastrophic event prevents you from earning a living. If you already have an emergency fund in place, increase its amount to account for the extra expenses that come with having a baby as part of your household. Setting up
automatic transfers directly from your paycheck into your emergency fund will eliminate the temptation to spend that money on something else.

Keep Saving for Retirement
Experts agree that if you can’t financially do both, prioritizing saving money for your retirement is much wiser than starting a college fund for your newborn. While college-bound kids can get financial help through scholarships, grants, and loans, not putting money aside for your golden years will force you to rely solely on social security benefits, and you may even end up having to get help from your children or other relatives for your everyday expenses. So make sure you plan for your future first, and you won’t have to struggle financially after you retire.

Taking care of your finances while caring for a newborn can be very daunting, especially when you’re sleep-deprived. But you can take advantage of refinancing, insurance, and automatic payment options to help you out. And don’t forget to secure your own financial future when investing your money.

Managing Stress and Building Confidence for Parents and Teenagers

Did you know that millions of people in the United States alone suffer from anxiety? Living with a mental disorder is difficult enough for adults, and as a parent or teenager, it can be even more challenging. That’s why it’s important for you to become aware of any symptoms that your teenager might be experiencing and do everything you can to help them manage stress so they don’t fall into an anxiety-related disorder. Today, GratitudeQueen shares some favorite ways to build confidence and reduce stress.

Going Back to School
Online degree programs and mini course can help you learn new skills in fields like accounting, criminal justice, social work, and much more. An online program gives you the flexibility to balance your career, your kids, and school. And if you enroll in a teaching program, you’ll be able to pursue a degree that allows you to give back to the community.

Getting Fit
Whether you’re taking a martial arts class, joining the school football team, or hitting the gym, taking on a new fitness routine that will increase your confidence is sure to help reduce stress.

Changing Your Look

Sometimes splurging on a new outfit, a new skincare line or even the latest luxe lip brand can go a long way in offering a fun confidence-boost. 

Confide in a Friend.

Instead of keeping problems bottled up inside, Mellowed notes that confiding in a friend can be an effective way to relieve stress and learn how to deal with it. You may be surprised by how much insight friends or family might have!

Learning a New Skill.
If you’ve always been interested in learning something like photography or even playing the guitar, now is as good of a time as any! Whether it’s an online course or taking lessons at your local community center, picking up a new hobby can help occupy your mind and make you feel more productive.

Learning to Manage Your Finances.

There’s no better time than now to learn about money management, investing, credit cards, and other financial literacy topics. Money is one of the most common sources of stress and anxiety. Making sure you’ve in the best possible financial situation can help to reduce stress. Plus, as a parent, you can start reaching your kids about money management from an early age!

Involving Yourself in a Personal Passion Project.

Getting involved with something you love can be extremely satisfying. If you’re interested in making money from your passion project, Oberlo explains that there are several tools online that will help you make it happen

Get a Job: Finding a job and earning an income are great ways to build confidence, prove your independence, and improve how you handle stress. Plus, working gives kids the opportunity to develop new skills and helps teach them responsibility.

Asking for Help: It’s never easy to ask for help when it comes to dealing with depression, but modeling that kind of maturity is one of the best things you can do as a parent. Also, these days, the internet has greatly streamlined the mental health process. In fact, finding affordable depression medication can be done in moments from the privacy and safety of the home, and when used in conjunction with other positive activities outlined here, it can make a huge difference!

Deal with Anxiety Before It Becomes Unmanageable
Teenagers and parents are often under a lot of stress. This article discusses some of our favorite ways parents and teenagers alike can reduce stress and build confidence, including self-improvement by going back to school, starting a fitness routine, confiding in friends, or just simply picking up a new hobby such as photography. Avoid letting your stress levels build up; instead, find a positive way to reduce them by channeling your own talents and creativity!

GratitudeQueen passionate about Personal Development which is about building positive habits and learning to rise up with Confidence and high self Esteem which lead to Self-Actualization. If you have any questions or comments, don’t hesitate to reach out!

How to help Kids Develop Positive Life Choices.

Leading by example is one of the best ways parents can help their children make positive choices. Most of what kids learn during early childhood is gleaned from the input of others. The more important a person is to the child, the more critical their input. Use this guide as a starting point for thinking about how to model positive behaviors for your kids.

Modeling Charity  

Parents should model charity to their children. This negates selfishness while helping to develop compassion for those less fortunate. Introducing the concept of empathy is a great way to teach children about charity from a young age.

Getting Active Together 

Regular exercise helps increase brain health, maintain a healthy weight, and decrease the risk of multiple diseases. Make exercise a habit by getting active with your children. For example, consider taking a short walk around your neighborhood each day after dinner and before beginning your family’s bedtime routine. Take your children hiking, swimming, or bicycling. Another fun idea is to search for active classes, such as dance or martial arts, that your family can participate in together. 


Seeking Higher Education 

Help your children understand it’s never too early to start thinking about what they’d like to do as adults. Discuss their dream careers and how to best achieve them, whether it be college, technical school, or a certification course. Model the benefits of higher education for your children by enrolling in an online degree course.

If you’ve always wanted to work with young children, a Bachelor of Science in Education (BSED) is an excellent choice. Online schooling allows you to pursue your degree at a pace that works best for you, between your other responsibilities. 

Promoting Acceptance 

Children aren’t born racist, sexist, or otherwise discriminatory. Promote acceptance in your children by modeling this behavior in your interactions with all people, especially those different from you. Teaching your children about racism and other types of hate is also essential.

As your kids get older and are exposed to certain things outside the home, they’re likely to have many questions. When talking about sensitive topics, such as racism, sexism, sexuality, and gender, be mindful and loving with the language you choose. It is important for building trust in your relationship that you develop the communication tools necessary to talk about difficult subjects.

Avoiding Illicit Substances

A national survey showed there were 136.5 million alcohol users in the United States during 2020. During this same period, 59.3 million people over 12 admitted to using illicit drugs at least once. These statistics prove all children are likely to eventually be confronted with the harsh realities of substance abuse. Peer pressure is one of the leading reasons children experiment with drugs and alcohol. One study found that teenagers think about the risks and rewards of their actions, but they’re more likely to ignore the risks than adults.

The best way to help your children avoid peer pressure is to model positive behaviors at home and keep an open conversation on the topic. Be honest with your children about the harmful effects of alcohol or drugs. Explain what peer pressure is and why it’s essential to be strong in those moments.

Help Kids Make Positive Life Choices

You can help your children make positive life choices by providing an excellent example for them to follow. By doing so you’ll be instilling within your children the tools that they’ll need to grow into healthy adults.

This article was brought to you by Leila Justice, a Positive Strategist and Counselor. For more information, contact her today!


How to defeat the Invisible Enemy

It is Natureal that as we grow, we go through good and bad experiences, but it’s all natural in Human life Journey. I personally have experience the roller-coaster of of my life Journey. God has favored me with spiritual uplifting and thru my life experiences I have learn something unique about the invisible Enemy thru one of the book that I read.

The book title capture my attention and it really help me to focus on positive thinking and increase my beliefs in the Creator.

How do I move into the Power of God.

We’ve all had time when we felt completely powerless in the face of our circumstances, we’ve proven to ourselves over and over that we don’t have what it takes to attain any kind of permanent transformation in our lives. We know without a doubts that our best efforts to change ourselves or our circumstances in ways that are significant or lasting never work. We recognize our need for a power, is inside and outside of and far greater than ourselves. There is only one power in the world great enough to help us rise above ourselves and the difficulties things we face. That is the power of God,

An important reason more women are rising up to fulfill the destiny God has for them is because men are also rising their up to their place of spiritual authority and leader ship. This is because in the past women were not given full right, but thanks to the brave women, who stand up and fight for women quality in the society. This is an answer to the prayers of countless women of spiritual and physical struggle lead today’s women freedom and something for which we must praise and thank God. Women need this spiritual re- covering, when it’s done right with strength, humility. respect, and understanding, and not with abuse, arrogance, self- promotion, cruelty, harshness or love lessens. It become place of safety for women in the society to rise and to accomplish great things they desired and contribute positive changes in the world.

Today, more and more believing women are being an open door to become all they were created to be. they are moving out in different areas of Expertise and ministry and making an important difference in the live of those whom God put in their realm of influence. Currently women are learning to rely on the power of God to prepare them and open the doors to become who they want to be. they also realizing that they are not just an afterthought in the order of God’s creation, but they were created for special purpose. They might not know exactly what that purpose is or all that it entails but they know that it is to do good for others and glorify God which us something I enjoying doing.

I highly go out of my ways of just thinking and wondering what I can do to add value to others every single day, and that is why I am always in positive mood to thank and praise God for opening the doors for me to serve others and that real bring me a contentment to the soul and joys to the heart. To be continue and please support me by liking, sharing and give me feedback to improve my blogpost. Also visit my website for Daily Supplement, Beauty Supplies and Home Cleaning products and much more . https://www.amway.com/en_US/Artistry-Flora-Chic%E2%84%A2-Eau-de-Parfum-Spray-p-119630D