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!


Reflecting on Reflection

Indeed a man  should reflect deeply over God’ s creation.

Even within a man physically and physiologically perfection is indeed a sign of Reflection of God constitutes without any blue print but rather from Divine Wisdom and Knowledge( Allah) All Wise, All knower of the seen and unseen .

A reflection should prompt every human being to show his / her genuine Gratitude, deep respect and real love to the One and Only Creator, ( Allah) His majesty, magnificent and Gracious Lord, who bless and create every human being in such a fashionable forms, perfect, upright and miraculous way of seeing light and knowing beauty from His inspiration.

Remember the True One ( God) and His action of management over all His creations. Reflect on His Mastership and Greatness.

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So behold let a man considering his origin and what has become of him, for sure anyone who thinks and reflect develop his/ her foresight and Vision from the Creator of Heaven and Earth 🌎.

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Please share, like follow and leave comments…. Always 💘 Love and ✌ Peace from the GratitudeQueen 👑

The Healing Power of Love

“The emotion that can break your heart is sometimes the very one that heals it.” 

Nicholas Sparks

 

Nothing else  brings hearts and souls together like LOVE. Love is truly the greatest healing force in the world. We need LOVE to survive, for without it, we won‘t be  able to live comfortably in this world.

LOVE is one thing that when we give, we get back in  folds. Ask any person what brings them the sense of calmness to the spirit, and undoubtedly you will hear the word LOVE. It is a universal language that we all can count on. 

There are many shades or colors in the rainbow of  LOVE;  Faith, humor, optimism, humility courage, patience and gratitude.

The healing power of LOVE can also occur in moments.

imageSuch as a putting a call through a friend, or some other random act of kindness; a hug or handshake. All of these sum it up, because the healing power of LOVE begins with an open heart.

Try it today. Engage in a random act of kindness, then see what happens .. see how you feel inside. And show up in the comments section to share your testimony. 

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PLEASE SHARE, FOLLOW, LIKE AND COMMENT! 

 

 

  • Peace!