DISQUS

We've done this with our teenagers. We've been better with the second born than with the first. They have stock funds and custodial accounts. We never made our daughter save for anything and we regret it. Our son is about to get his license and wants a car. We've helped him set up an account in which he has to save $1,000 to contribute towards a car.

I think number 3 is the hardest. I just said to my husband tonight that we need to be on the same page when it comes to our finances and our future.

I am an advocate of getting at least a bachelor's degree. Unfortunately, most people go into debt for it. Even so, I think of it as an investment. I got a bachelor's degree in English back in the dark ages, then chose to be a stay at home parent for 16 years. That degree was my ticket back into the work force. Granted I didn't have nearly the amount of debt coming out of school as today's graduates do, but without that degree I not have been able to apply for the job I have today.

I like to call this conscious breathing. It's amazing how it clears the head. Of course, taking the breathe as you describe is most effective. I find that in stressful moments if I can just take a moment and take a deep cleansing breath it brings the stress level down a notch.

Where were you with this post when my kids were little and Iwas at home with them? :-)

I agree with you your post too. It's interesting that many people will say they don't like change or they are afraid of change. A woman I worked with at the firm had been there for 25 years, sitting in the same seat! I asked her how she could do that. She said she doesn't like change.

I believe that change is going to happen with or without us. It's one thing we can always count on. Rather than have change happen to me, if I can, I like to be a part of change.

I've also read that when it comes to fitness and nutrition, when you feel you've hit a wall, perhaps you need to change things up a bit.

Embrace Change!