Friday, April 11, 2008

Kids and Money - Why Is It So Hard?

by: Jenny Ford

We learn so many things as we grow up. We learn how to walk, talk, and get away with not doing our homework. We learn how to play complicated games, many of them involving pretend money.

So, why is it so hard for us to learn how to manage money?

Why do so many people struggle to make ends meet, even on reasonably high incomes?

Why do so few people manage to provide sufficiently for themselves in retirement?

It’s not rocket science. We know what it takes. And there are some people doing it. So why isn’t basic money management as widely understood as basic geometry?

Imagine what life would be like if making money came as easily and naturally as riding a bike or tying your shoelaces. Imagine graduating high school with a permanent, secure, passive income already in place. You wake each the morning to find more money has appeared in your account overnight! If you want to travel, you do. If you want to paint, write, or do any other creative activity, you do. You choose your occupation based on what you love to do, not the burden of having to pay the bills. You have all the time you need to socialise with your family and friends, to stay in shape, and to practice your spirituality.

This world is not a pipe-dream. It’s not unrealistic. The world is alive with opportunity, more so now than ever before, and the opportunity is expanding exponentially.

With the right knowledge and attitudes, today’s kids can capture their share of that opportunity, and set themselves up for life.

So, why isn’t everyone doing it?

Because not everyone’s parents have the right knowledge and attitudes to pass along to their kids. Some of those who have the knowledge and attitudes are still setting themselves up in life, working long hours, and find it difficult to break the knowledge down into terms their kids can understand.

What can we do about it?

As parents, we need to be conscious that financial education ranks up there with education about nutrition, health, and communication. We must educate ourselves, so that we can educate our children.

There are many places to go on the web to get that vital financial education.

The Cash Smart Kids program (http://www.cash-smart-kids.com) provides lessons for the kids, plus additional reference material for their parents.

The Rich Dad website (http://www.richdad.com) is rich in content, and contains information about the Cashflow series of educational board games.

There are numerous e-Books, ezine articles, and offline financial publications with an online presence.

And, of course, there are dozens of relevant books in your local book store.



About The Author
Jenny Ford is an expert in educating children about business and wealth creation. She is one of the founders of http://www.Cash-Smart-Kids.com, and her blog can be seen at www.RaisingEntrepreneurs.org.

She holds an Honours degree in Psychology, a Diploma in Training and Assessment Systems, and an Advanced Diploma in Business Management. She is the mother of three young entrepreneurs, all of whom started successful businesses when they were nine to twelve years old.

Friday, April 4, 2008

The Secret: Law of Attraction Used for Your Parenting Success

by: Kelly Nault

Law of Attraction and Effective Parenting


Struggle is not part of the natural order of life. One never sees a cherry tree struggle to produce blossoms when given the right environment. Why? Because the tree is simply following its purpose—its basic nature. Fortunately, struggle does not have to be part of the parenting equation either. This is good news for many parents because if we choose to use the law of attraction we can experience a happier, more peaceful and respectful home. Yes, this can even mean eliminating award-winning temper tantrums for good. Sound too good to be true? Read on.

What is Attraction Parenting?

Attraction parenting employs the principle that the behavior we experience in our home we have attracted to us by our thoughts, deeds and actions. You see, the people around us, especially those closest to us (like our children), simply reflect and respond to our own feelings and actions. As much as we would like to blame our kids for their behavior (especially when they are pushing every button we have, plus some we never knew we had!), generally our kids’ only mirror what is going on within us.

So, if your kids currently have you spluttering and dog-paddling in the "parenting deep end", it may be time to ask yourself:

- How am I contributing to my kids behavior? (Gulp!)
- Are my kids responding to my lack of patience and skyrocketing stress?
- Are my children desperately seeking quality time with me because I haven’t been giving them much special time lately?
- Are my kids no fun to be around because frankly, I am not fun to be around?

Answering these questions truthfully can quickly get to the root cause of their misbehavior.

The Six Secret Parenting Law of Attraction Tips

There are six parenting tips below that can positively transform any household of chaos, frustration and stress into harmony, joy and peace.

The Secret Parenting Law of Attraction Tip #1 - You are modeling for your children how to behave each moment of every day

Children watch what we do far more than they listen to what we say. Thus, if you yell at them to be quiet, push them to do what you want them to do, and use a disrespectful tone when frustrated—you only teach them how to treat you. Stop! Take a breath and make a commitment to walk your talk. Model for your child how a happy, healthy and sane human being looks, talks and acts. Then watch them follow your lead.

The Secret Parenting Law of Attraction Tip #2 - You are your child's most powerful self-esteem mirror

Your child seeks approval from you more than anyone else. You are the mirror that tells them how deserving or unworthy they are. They will believe whatever you reflect to them—positive or negative! Overt and even subtle put-downs can be devastating to their sense of self-worth and wellbeing. When a child has low self-esteem they will often act out, misbehave and drive you nuts! By using the power of positive words and actions to encourage, rather than discourage, you can be a beacon of light illuminating your child's worth. This gift of positive mirroring can inspire your child to believe in themselves, follow their passions and ultimately be someone who is a delight to be around. Therefore, choose to reflect your child's brilliance, special god-given talents, and worth by being grateful for what they are and do.

The Secret Parenting Law of Attraction Tip #3 - The more you focus on the positives of your child, the more you will experience them

One of the most powerful aspects of the law of attraction is that whatever you focus on, expands. Thus, if you spend much of the day nagging about all the things your child isn't doing, or all the bad things your child is doing, you simply attract more of these frustrating experiences to you. Instead, we can take affirmative steps to create the behaviors we want by simply noticing and being grateful for what we do like. One of my favorite parenting gratitude techniques is what I call the "Dog Factor!" You know how dogs unconditionally show us love and affection—greeting us at the door enthusiastically, whether we‘ve been gone for two days or two minutes? Well, apply this approach to your own family. Beam with love when they come home or when they enter the room. Remember that no matter what you are experiencing right now with your family, there are thousands of people in this world (like those who can’t have kids!) who would gladly trade places with you.

The Secret Parenting Law of Attraction Tip #4 - Discipline only teaches children to do better next time, when they feel better

This is probably the most difficult parenting tip to accept. Discipline doesn't have to feel bad to be effective. In fact, most discipline that is based on punitive punishment (things like yelling and taking away privileges), only teaches our kids to lie, and not get caught next time! You reap what you sow. Thus, if your punishment is focused on rehashing all the bad things your child has done, you are only attracting more of this bad behavior to you in the near future.

For discipline to really inspire children to do better next time it needs to:

1. Be respectful
2. Focus on the solution (and how to do better next time)

By filling our home with gratitude for all we do have and with positive words and actions, we can begin to experience more pleasant interactions and actively create the family life of our dreams.

About The Author
Kelly Nault-Matzen, MA, family counselor, corporate parenting spokesperson and award winning parenting author of When You’re About To Go Off The Deep End, Don’t Take Your Kids With You shares time-tested tools that motivate children to want to be well behaved, responsible and happy! To gain access to more parenting tools and to access your free online parenting course visit http://www.ultimateparenting.com