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Helping Your Child Build Healthy Habits That Last a Lifetime

March 3, 2025 By admin

By Admin with contributions by Courtney Rosenfeld

Image by Pexels

Helping your children develop healthy habits is a cornerstone of effective parenting. Embodying the values you wish to instill creates a living example for your children to follow. This journey involves more than just setting rules; it requires fostering an environment where children feel empowered to make choices that benefit their well-being. From education to physical activity, every aspect of daily life offers an opportunity to teach resilience and adaptability.

Pursue Your Educational Goals

One of the most powerful ways to inspire your children is by pursuing your own educational dreams. If you’ve been considering pursuing a college degree, now might be the perfect time. Online programs offer the flexibility to balance studies with other commitments, allowing you to learn at your own pace. Whether you’re interested in information technology, business administration, or healthcare management, achieving your educational goals can set a powerful example for your children. It shows them the value of lifelong learning and the importance of balancing personal and professional growth.

Create a Flexible Learning Space

Creating a nurturing environment that evolves with your child’s developmental stages is crucial. By designing a flexible learning space, you provide your child with the opportunity to explore, make mistakes, and learn from them. This approach supports their current needs and prepares them for future challenges by promoting resilience and adaptability. Involving children in the design and decision-making processes of their surroundings empowers them and instills a sense of ownership and responsibility.

Teach Good Hygiene

Leading by example in personal hygiene is a powerful way to instill lifelong healthy habits in your children. By consistently practicing routines such as bathing, brushing teeth, and wearing clean clothes, you promote both physical cleanliness and mental well-being. These habits can boost self-esteem and confidence, as presenting oneself well often positively influences how others perceive us. Moreover, these routines can serve as calming rituals, providing stability and reducing stress in daily life.

Have Fun as a Family

Incorporating regular family activities that promote physical health can transform healthy living into an enjoyable and essential part of your family’s routine. Planning activities like hiking, biking, or playing sports together fosters a love for fitness and strengthens family bonds. Engaging in these activities can help instill a lifelong appreciation for physical health in your children, as they see exercise as a fun and shared experience rather than a chore. Setting specific and achievable goals, such as walking for 30 minutes three times a week, can make these activities more structured and rewarding.

Guide Children Towards Mindful Eating

Creating a nurturing mealtime atmosphere is essential for helping children develop mindful eating habits and a healthy relationship with food. Reducing distractions and focusing on the meal enables your child to better recognize their body’s natural hunger and fullness cues. This approach supports their physical health and enhances mental well-being, as mindful eating is associated with improved overall health. Involving children in meal planning, such as allowing them to choose between a few vegetable options, can boost their interest in trying new foods and make them feel more engaged in their meals.

Foster Open Family Communication

Creating a safe space for open dialogue within the family is crucial for guiding your children toward making lifelong healthy choices. Establish moments dedicated to conversation, where children feel secure expressing their thoughts and emotions without fear of judgment. Demonstrating empathy and actively listening can significantly enhance trust and openness, which are crucial for resolving conflicts constructively. Overcoming challenges such as generational gaps and cultural differences requires patience and a commitment to fostering understanding. In today’s digital age, setting boundaries on technology use is vital to maintaining meaningful interactions and emotional connections.

The journey of guiding your children towards healthy choices is a profound and ongoing commitment. By integrating education, physical activity, and open communication into your family life, you lay a robust foundation for their future. Your actions today will echo in their lives, shaping their ability to make informed and beneficial decisions. As they grow, the values and habits you instill will serve as a compass, guiding them through life’s challenges with confidence and resilience.

Discover the heartwarming stories that bring people together at Our Angels Table today!

Filed Under: Uncategorized

Securing Bright Tomorrows: Transforming Lives Through Advocacy for Vulnerable Children

February 2, 2025 By admin

Guest Post by Courtney Rosenfeld

Advocating for vulnerable children requires a collective effort from individuals, nonprofits, schools, and organizations dedicated to making a meaningful difference. These children often face challenges impacting their safety, education, and overall well-being, so addressing their needs with compassion and action is crucial. By combining resources, expertise, and community support, advocates can create initiatives that empower and protect young lives. This article explores diverse ways to champion these efforts, offering strategies to uplift and improve outcomes for vulnerable children.

Supporting Children’s Mental Health: A Collaborative Approach

Ensuring children have access to mental health support is crucial for their overall well-being. Schools play a pivotal role by integrating mental health curriculums and offering resources like counselors and community programs; collaboration between schools, families, and mental health professionals is key to creating personalized strategies for each child. If you’re inspired to make a difference, consider pursuing a psychology degree to gain the skills needed to support children in need. Online programs offer the flexibility to balance studies with other responsibilities, enabling you to contribute meaningfully to this crucial field (check this out).

Empowering Children with Technology Education

Incorporating technology education into the lives of vulnerable children can profoundly impact their future by providing them with crucial skills for the digital era. By focusing on areas like coding and digital literacy, these educational programs ensure children are prepared for a rapidly evolving world. Organizations offer courses with significant tuition assistance, enabling most students to enroll for free, thus eliminating financial barriers to learning. This initiative helps bridge the digital divide and equips children with the tools needed for future careers in technology, fostering empowerment and independence.  

Equipping Communities with Mobile Health Units

Mobile Health Units (MHUs) offer a dynamic solution for delivering essential medical services to children in remote or underserved areas. These units, known as Mobile Health Clinics (MHCs), are designed to be adaptable and mobile, providing timely healthcare in emergencies and routine care in isolated communities. By integrating into the community and utilizing local resources, MHCs improve access to healthcare and help bridge the gap in health disparities for vulnerable children. MHCs open their doors directly into communities to provide tailored, high-impact, affordable healthcare that responds dynamically to the community’s evolving needs.

Enhancing After-School Programs for Vulnerable Youth

Investing in after-school programs is crucial for supporting vulnerable children, offering them a safe space to develop essential life skills. These programs, especially in economically disadvantaged areas, often face challenges like underfunding and high staff turnover. By advocating for increased financial support from the public and private sectors, you can help ensure these programs provide high-quality developmental experiences. This support is vital for fostering resilience and social-emotional learning among youth. Research highlights the importance of structured youth-adult interactions and reflective engagement in these settings, which are key to positive youth development.  

Organizing Engaging Fundraising Events

Hosting charity auctions or raffles with donated items or experiences is a powerful way to support vulnerable children. By tapping into the generosity of businesses and individuals, you can collect attractive prizes that draw participants and enhance fundraising efforts. A popular option is the 50/50 raffle, where half of the proceeds go to the winner and the other half to the cause, making it a simple yet effective method to engage donors. With the rise of online platforms, online raffles have become increasingly popular, reaching a wider audience and boosting awareness of your mission. By organizing these events, you raise essential funds and build a community of supporters committed to improving the lives of children in need.

Advocating for Children’s Mental Health

To effectively support vulnerable children, securing funding for mental health research is essential. The Substance Abuse and Mental Health Services Administration (SAMHSA) provides grants to enhance mental health services for children with serious emotional disturbances. By investing in targeted research, you can contribute to developing more effective interventions than universal approaches, as demonstrated by recent studies. This research can guide policy and program development, ensuring resources are efficiently allocated to meet the specific needs of these children. Ultimately, such funding not only aids in their transition to adulthood but also alleviates the long-term societal impact of untreated mental health issues.

Conclusion

By adopting various impactful strategies, you can become an essential advocate for improving the lives of vulnerable children. From enhancing access to quality education and healthcare to fostering meaningful community engagement, your efforts can create lasting change. No matter how small, each action contributes to a stronger, more supportive foundation for children facing challenges. Together, these initiatives pave the way for brighter opportunities and a better future for the next generation.

Discover resources and inspiration for nurturing your family’s well-being and spiritual growth at Our Angels Table.

Filed Under: Uncategorized

HOW SPEAKING IN TONGUES CAN HELP A BELIEVER

December 15, 2024 By admin

by Admin

SO WHAT DOES IT MEAN TO SPEAK IN TONGUES?

Speaking in tongues is the supernatural ability to speak a language unknown to us. We cannot learn it because it is a gift from God. We receive the gift of tongues when we were baptized in the Holy Spirit. As believers, we need to understand that this ability has a purpose and is very beneficial to our Christian lives. 

There are over 100 benefits to speaking in tongues. I will list 5 benefits here:

Speaking in tongues keeps you in tune with the Holy Spirit

“Likewise, the Spirit also helps in our infirmities: for we know not what we should pray for as we ought: but the Spirit itself maketh intercession for us with groanings which cannot be uttered.“ (Romans 8:26 AMP).

When we pray in tongues, we are assured that our Spirit is in direct communication with our heavenly Father as he intercedes for us. This means that our prayer is spirit-Inspired. Having this in mind, we know that whatever we say is in line with the Word and will of God! When we pray in tongues, we may not understand what we are saying, but we know that the utterance the Holy Spirit is giving is ‘spot on’.

Strengthens our Spirit

Additionally, tongues are used as a means of spiritual edification.

1 Corinthians 14:4 says, “He that speaketh in an unknown tongue himself.” To edify means to build up ourselves spiritually. Yes, it’s a spiritual exercise that STRENGTHENS the inner man (Spirit).

Today, we put so much emphasis on strengthening our bodies or minds but neglect our spirits, which explains why most believers are spiritually weak and prone to enemy attacks. Believers who ignore their spirits remain weak in faith, whereas those who feed and develop their spirits through prayer and the study of God’s word remain strong and continue to rise in faith.

Stimulates our Faith

Jude 20

But ye, beloved, building up yourselves on your most holy faith, praying in the Holy Ghost.

When we pray in tongues, we activate our Spirit to be in the position (Faith) to receive God’s blessings. Faith is of the Spirit, and if the Spirit is weak, faith will be weak. When we pray in tongues, we are strengthening our spirit. And by so doing, we stimulate our faith.

Speaking in tongues confuses the enemy.

1 Corinthians 14:2

For he that speaketh in an unknown tongue speaketh not unto men, but unto God: for no man understandeth him; howbeit in the Spirit he speaketh mysteries.

Tongues are a direct means of communication with God. It’s called a mystery because it’s a supernatural language that cannot be taught, learned, or written in any institution. It’s also the only language that confuses the enemy because he doesn’t understand it. Tongues are our divine weapon against the devil’s plans and attacks. When we pray in tongues, we activate the Holy Spirit within us to raise a standard against him, indicating that we have won. Why? Because we prayed without any interference from the enemy.

Brings forth a revelation of God’s plans for our lives.

 I truly believe that the Spirit of God will reveal things to you, as you seek Him, read His Word and obey his commandments. And it will come from the Holy Spirit to your spirit. Trust and expect the Holy Spirit to guide you into all the truth and reveal His plans for you!

Conclusion

Speaking in tongues, praying and fasting were often top priorities for the early church. Activate your spirit by praying constantly in tongues.

In 1 Corinthians 14:18, Apostle Paul confidently says, “I thank God that I speak in tongues more than all of you.”

In 1 Corinthians 14:5

I would that ye all speak with tongues …

In verse 39, he taught and instructed that they should not stop believers from speaking in tongues. 

1 Corinthians 14:39 

Wherefore, brethren, covet to prophesy and forbid not to speak with tongues.

Ephesians 6:18    

Praying always with all prayer and supplication in the Spirit…

God equipped and gifted you even as he saved you. I encourage you to use the gift that he so richly bestowed upon you by building up yourself on your most holy faith, praying in the Holy Ghost (in tongues) Jude 20.

As you do so, you will become more aware of God’s presence and begin to walk in the other gifts of the Spirit. You will become spiritually strong and equipped to quench the fiery darts of the wicked one.

Some books that I would recommend:

  1. Smith Wigglesworth on Manifesting the Power of God: Walking in God’s Anointing Every Day of the Year.
  • Tongues of Fire:  101 Supernatural Benefits of Praying in the Holy Spirit by Jennifer LeClaire.

Have you been blessed?

I’d like to hear from you.

Filed Under: Uncategorized

Practical Tips for Coping with Grief, Honoring Loved Ones, and Prioritizing Self-Care

August 5, 2024 By admin

Guest Post by Courtney Rosenfeld

Losing someone close to you is without a doubt one of the most painful experiences we go through. During this time, it’s important to take care of your mental, spiritual, and emotional health. Here are some practical tips that will help you cope with loss, honor your loved ones, and care for yourself during this difficult time, courtesy of Our Angels Table.

Allow Yourself Time to Process Your Emotions

Taking the time to process your feelings after a loss is crucial for your emotional well-being. It’s important to avoid suppressing or denying your emotions, and instead, allow yourself to experience them without judgment. This may entail taking a break from your daily routine, seeking support from loved ones, or practicing self-care activities like journaling or meditation.

Practice Self-Care Daily

When we experience loss or grief, it can be easy to forget to care for ourselves amidst the pain and sadness. However, engaging in self-care during this time is vital for our well-being and healing. Self care can look different for everyone, but it can include things like taking breaks when needed, practicing relaxation or meditation techniques, reaching out to supportive friends and family, and seeking professional help if necessary.

Spend Time with Supportive Loved Ones

It can be comforting and helpful to spend time with people who recognize what you’re going through and can offer support. Tribute Archive recommends reaching out to close friends, family members, or even online grief support groups if there isn’t anyone close by who has gone through something similar. If those people don’t exist in your life right now, consider speaking with a therapist who can provide an ear and nonjudgmental advice as you navigate these difficult times.

Try Alternative Relief

Many people find the natural support offered by THCA helpful, potentially easing emotional distress and promoting a sense of calm. If you find a reputable source of THCA, a non-psychoactive cannabinoid, this may help reduce anxiety and improve sleep quality, aiding in emotional recovery. When used mindfully alongside other self-care practices like therapy and physical activity, THCA can contribute to a holistic approach to navigating grief.

Join a Grief Support Group

Grief support groups offer a safe space where individuals can openly express their feelings about the loss of a loved one without fear of being judged. Members of these groups often share similar experiences and can provide comfort and understanding to one another. By connecting with others who are going through a similar grieving process, individuals can find solace and feel less alone during this difficult time.

Write Cherished Memories to Honor

Writing down cherished memories of our loved ones can help keep their spirit alive, per FHE Health. From funny jokes shared at the dinner table to endearing pet names given by close relatives, these small moments serve as a reminder of the love and connection shared with our loved ones. Even though our physical connections may be gone, the memories we hold onto can bring comfort and joy, and keep our loved ones close in our hearts.

Be Kind to Yourself as You Grieve

During the grieving process, prioritizing self-care is essential for healing and moving forward. Although it’s a challenging and painful experience, there are practical tips that can ease the burden of losing a loved one. By taking care of ourselves and incorporating self-care practices, we can find solace and resilience in the face of loss.

Our Angels Table is here to give parents the help they deserve. Feel free to reach out with any questions!

Filed Under: Uncategorized

How To Keep Your Anxiety From Affecting Your Child

July 4, 2024 By admin

This is a guest article by Courtney Rosenfeld

Anxiety isn’t just a personal struggle; it casts a wide net, affecting those around you, including your children. Understanding the interplay between your anxiety and your children’s well-being can lead to healthier outcomes for your family. In this article, courtesy of Our Angels Table, we’ll go over several things you can do to manage your anxiety effectively and foster a supportive environment that nurtures your children’s emotional growth.

Take Proactive Steps in Your Parenting Approach

Being proactive about managing your anxiety involves more than just addressing its symptoms. It means setting a positive example for your children by actively engaging in stress-reducing activities and making mental health a priority. This proactive approach can help prevent the cycle of anxiety from continuing in your family.

Recognize the Impact of Your Anxiety

Your emotional state as a parent plays a critical role in shaping your child’s psychological landscape. Anxiety can manifest in various ways, often subtle, that might influence your children. Symptoms like irritability, constant worry, and an inability to relax can create an atmosphere of tension that children, sensitive and perceptive, can easily pick up on. It’s vital to recognize these signs and understand how they could be mirrored in your child’s behavior.

Enhancing Career Prospects with an Online Degree

If job-related stress is a significant source of your anxiety, consider educational avenues that could lead to a more fulfilling career. Take a look at this: pursuing a master’s degree in family nurse practitioner online can equip you to take on a more interactive role in patient care, potentially reducing job-related anxiety. Online programs offer the flexibility needed to balance education with parenting responsibilities, allowing for a smoother transition to a new career path.

Fostering a Space for Open Communication

Creating a dialogue where feelings are openly discussed without judgment can reassure your children that it’s safe to express their worries. This practice helps in building trust and can provide you with insights into their thoughts and feelings, making it easier to address any issues they might be experiencing. Encourage your children to share their concerns and ensure them that it’s okay to feel anxious sometimes.

Prioritize Self-Care

Self-care is often touted, but its implementation is crucial in managing anxiety. Simple activities like reading, spending time in nature, or practicing meditation can significantly reduce stress levels. When you take care of your mental health, you are better equipped to provide the emotional support your children need.

Encourage Problem-solving Skills and Resilience

By involving your children in problem-solving activities, you help them develop resilience and the ability to handle life’s challenges. Whether it’s resolving a conflict with a friend or overcoming a difficult homework problem, guiding them through the process of finding solutions empowers them to handle bigger issues independently. Teaching them to view challenges as opportunities to learn and grow can change their perception of anxiety and stress, fostering a mindset that embraces rather than fears challenges.

Reflect on Your Anxiety and Its Origins

Taking time to reflect on your feelings and where they stem from can provide valuable insights into how they affect your parenting. This self-reflection is essential in recognizing patterns that might be contributing to your anxiety, such as stress from your job. Additionally, understanding these patterns can guide you in making necessary changes to your lifestyle or thought processes, which can result in a more serene home environment and more effective parenting.

The journey of managing anxiety is continuous and evolving. By acknowledging its presence and its impact on your family, you take the first step toward change. Your commitment to creating a healthy environment will equip your children with the tools they need to thrive emotionally and develop into resilient individuals. Remember, taking steps to manage your anxiety not only improves your quality of life but also sets a foundation of well-being for your children.

Our Angels Table provides support and resources to help parents be their best selves. Have a question? Get in touch today.

Filed Under: Uncategorized

Self-Care Activities That Will Help Your Family Relax.

April 19, 2024 By admin

This is a guest article by Courtney Rosenfeld

In the hustle and bustle of daily life, families often find themselves caught in a cycle of stress and disconnection. However, the path to a harmonious household lies in embracing shared wellness practices. This guide, courtesy of Our Angels Table, outlines simple yet effective strategies for families to cultivate a culture of self-care, ensuring both physical and emotional well-being are nurtured.

Image via Pexels

Fostering Open Communication

Establishing a weekly ritual where each family member can openly discuss their needs, share feelings, and brainstorm on fun activities strengthens bonds. It creates a nurturing environment where everyone feels heard and valued, laying the foundation for mutual respect and understanding. This practice not only enriches family relationships but also ensures that the emotional and social needs of each member are met.

Promoting Wellness Visually

Creating a poster together as a family not only anchors a shared commitment to wellness but also brings a personal and dynamic element into daily life. This initiative enriches the journey toward health by making it a group mission and encourages each member to contribute their voice and vision. With online tools, you can quickly personalize your poster and add your own text and photos to help boost motivation toward your shared goals.

Decluttering for Clarity

A clean and organized home environment has a profound effect on mental clarity and stress levels. Tackling clutter, especially in communal areas like the playroom, and turning it into a family activity not only achieves a tidier space but also teaches responsibility and teamwork. Making it a game to see how quickly and efficiently the task can be accomplished adds a layer of fun to the chore.

Integrating Mindfulness into Daily Life

Introducing simple mindfulness exercises, such as deep breathing, meditation, or keeping gratitude journals, can significantly impact mental well-being. These practices help mitigate stress and foster an atmosphere of calm and appreciation. Encouraging each family member to participate not only enhances individual resilience but also strengthens the collective emotional health of the household.

Encouraging Family Fitness

Committing to regular physical activities as a family, like evening walks, bike rides, or simple stretches, promotes health while providing opportunities to connect. These moments away from the distractions of daily life allow for meaningful interaction and shared experiences. It’s a fun way to instill the importance of physical health and togetherness.

Designating Tech-Free Time

Creating tech-free zones or times encourages family members to engage with one another and the world around them without the interference of digital distractions. This practice helps cultivate deeper connections and fosters activities that can be more mentally and emotionally rewarding than screen time. It’s an essential step towards balancing the digital and physical aspects of our lives.

Exploring Shared Interests

Finding hobbies or interests that excite the whole family fosters a sense of unity and discovery. Whether it’s gardening, painting, or assembling model kits, these activities allow for creative expression and learning together. It’s an excellent way for family members to explore new passions and skills in a supportive environment.

Preparing Meals Together

Involving everyone in the meal planning and preparation process not only educates about nutrition and cooking skills but also enhances the sense of community and accomplishment. It allows for experimentation with new recipes and flavors, making healthy eating a shared adventure. This collaboration in the kitchen strengthens bonds and ensures that everyone contributes to the well-being of the family.

Incorporating these strategies into your family life transforms routine into opportunities for growth, connection, and well-being. Open communication, shared activities, and a collective commitment to health and happiness foster an environment where every family member thrives. By dedicating time and effort to these practices, you cultivate a home that resonates with harmony and care, proving that the strength of a family lies in its unity and mutual support.

Our Angels Table provides family-friendly tips and resources on how to live a healthy and fulfilling lifestyle. Have a question? Get in touch today.

Filed Under: Family, Uncategorized

Start Good Self-Care Habits Early: Help Your Kids Reset and Refresh

September 8, 2022 By admin

This is a guest article by Courtney Rosenfeld

All people, regardless of age, benefit from self-care. As a parent, our role is to help your kids grow and thrive. Teaching kids the value of self-care can help them learn healthy coping mechanisms. Learn how to help your kids reset for the days to come with these tips from Our Angels Table.

Image via Pexels

Be the Role Model Your Kids Need

Start with yourself. Your kids look up to you to teach them how to navigate the world around them. Start by taking care of your physical health. When you have good habits, your children learn to mimic them. You can also focus on your physical health with your kids. For example, take regular trips to the park, take long walks, or play a game of basketball in the driveway.

There may be days when it feels challenging to focus on yourself as a parent. Even when you have too much on your plate, you have to care for yourself too. When focusing on self-care, remember to stay hydrated, play a game, declutter your home or watch something entertaining. Seek out activities you love and encourage your kids to do the same.

Find Kid-Friendly Self-Care Activities

Self-care activities look different for everyone. Look for enjoyable activities that your kid may love. For instance, arts and crafts can feel therapeutic for most people. Some crafty ideas include creating tie-dye hoodies, making colored sand art, and DIY lava lamps. Discuss ideas with your children to find out what they may be interested in.

If you love music, play it often for your kids. Kids often copy their parents. If you listen to music, play music, or have a passion for it, your kids may follow in your footsteps. Never pressure your kids to do anything; let it happen organically. Music can be therapeutic and help people sleep better and reduce stress. If your kids appear stressed or upset, play music to help settle them down.

Prioritize Time With Your Kids

Kids thrive when they have a routine. Part of self-care should include establishing a structure. According to the experts, consistency, predictability, and follow-through make up building structure. When it comes to building a routine, make sure your child understands it. Do not be vague about the rules; use simple pictures and charts to display rules and routines

Prioritize time with your kids, even when busy. Kids should know that they come first. When you have a plan of attack, your kids do not miss out on time with you. To be present, you can make yourself available at bedtime every night or help with chores or bring your kid to the kitchen to prepare meals. Try to plan experiences to do as a family so you can look forward to your time together. Incidentally, this will be much easier if you focus on transforming your home into a zone of wellness and honest communication, free of negativity and resentment.

Most people can benefit from some form of self-care; this includes your kids. One of the better ways to teach your kids to care about themselves is to practice the same habits. Prioritize your children, teach them through example, and help them find coping mechanisms that work with their personality.

Filed Under: Uncategorized

6 Steps for setting up a budget for the first time

September 10, 2018 By admin

6 Steps for setting up a budget for the first time.

6 Simple Steps for setting up a budget for the first time.

{This post contains Affiliate links}

Years ago, as a college student, and now as a working mom of two kids, I realized how important budgeting was to keep us on track.  In fact, I found it very helpful, as it gave me control over my spending, and peace of mind!  My hope is that these simple steps for setting up a budget for the first time, will empower you as well.

Why Budget?

Budgeting will help you, and I encourage you to be excited by it! As it will give you control over your spending, provide long-term financial benefits, help you save for your future, and peace of mind!

It is also a guide, a GPS system to stir you in the right direction. Creating a budget can be easy, and it will reduce stress, and help develop

healthy financial habits.  It will also reveal areas where money is being wasted.

Finally, debt reduction will be possible.

Allow children to have some input into your family’s budgeting goals, if possible.  This gives children a better understanding of the value of money.

Make a commitment to yourself that you will start budgeting today.

Types of Personal Budgets:

There are different methods of budgeting.  We use the 50/20/30 method of budgeting here.  It is a simple, fail safe plan for budgeting.  It will help you get started budgeting.  This type of method may not suit every one, especially high income earners.

My suggestion is to be flexible to a certain degree, when using this method.  And I would increase the savings percent from 20% to 30% once debt has  been paid off.

Once you are comfortable budgeting, I would move to the zero-based budgeting plan, or another budgeting method that you feel comfortable with.

The zero-based method basically means each income and expense has a ‘home’.  And your income minus your expenses should be zero.

It doesn’t mean you have zero dollars in your account.  It just means every dollar is assigned a place, such as a Savings Account or Insurance or an Emergency Fund.

Another way to budget is by using Dave Ramsey’s Allocated Spending Plan.  He mentions this in his book, The Total Money Makeover.

In this method you allocate expenses by pay period, instead of monthly.  An advantage of this method is that it gives you a better insight into your budget.

Your Net Worth:

Let’s start by getting a better understanding of your net worth.  Your net worth is anything you own of significance.

Basically, your assets (what you own) minus your liabilities (what you owe).

Understanding your net worth is important as it helps you know your financial health, and the financial progress you want to achieve.

 

Steps to Calculate your Net Worth:

 1. List out all your assets

1.List out your largest assets such as the value of your home, cars, rental properties or boats.

Business owners can include an estimate of the value of their business.

2. List out your checking and savings accounts, CD’s and Investment accounts.

3. Include high value items such as jewelry, musical instruments, and antiques.

4. Add up the amounts from steps 1 to 3. This amount is your total assets.

2. List out all your liabilities

1.List out the balance on your mortgages and car loans.

2. List out balances on student loans, and credit cards.

3. Add up the amounts in steps 1 and 2. This amount is your total liabilities.

 3. Your Net Worth

1. Subtract the total liabilities from the total assets, to get your net worth. Don’t worry if this number is negative.  Look at this process, as just the start in improving your financial health. 

2. Every year, calculate your net worth, and compare it to past years to see how well you are progressing in your financial goals.

The 50/20/30 rule:

We will use the 50/20/30 rule here.  This is easy to use, and it is the perfect method for those who need flexibility and have an irregular income.  This rule is a proportional guide to help you know how your spending and savings are lining up.

This rule works as it makes budgeting, savings and paying your bills simple, especially for those new to budgeting.

With the 50/20/30 rule, a household budget consists of 3 main categories: 

  • Fixed expenses and Variable expenses/ESSENTIALS – 50%
  • Financial Goals/SAVINGS – 20% and
  • Discretionary expenses/WANTS – 30%

How to make a budget:

6 Steps for setting up a budget for the first time:

     1.Download a Budgeting Spreadsheet (free).

Seedtime.com gives you a list of free budgeting spreadsheets.

Once you feel comfortable working with a budgeting spreadsheet. You can use Mint.com or Personal Capital.

Still others use YNAB(You need a Budget) or Calendarbudget.com

 

   2.List all your monthly household income (Net Income).

This is all your ‘takehome’ pay, which is Income you receive after taxes.

   

  3.Now gather all your monthly expense receipts, and Bank Statements.

 TIP:  We want our expenses to be less than our Income.

   

  4.List out your bills in the appropriate 50/20/30 section.

We want to list out every expense, as much as we can, this will help us know exactly where our money is going.

 

  • Start with your Fixed expenses and Variable expenses/ESSENTIALS – 50%

Examples of Fixed expenses include, rent, mortgage, utilities, and credit cards.

Examples of Variable expenses include, gas, food, and tolls.

Credit Card expenses are Fixed expenses, if you carry a balance on them each month.  If you pay them off each month, they            are Variable expenses.

 

  • Now list out your Financial Goals/SAVINGS – 20%

Examples include:  Savings and Emergency Fund Account, saving for a down payment, and Additional Debt Reduction Payments (these are in addition to the credit card payments you are making in your fixed expenses).

The Emergency Fund Savings is for unexpected emergencies such as medical expenses, and car repairs.

This prevents these emergencies from affecting your budget.

By setting up a budget, you have taken the first step towards moving your life in the right direction!!

 

  • Finally list out your Discretionary expenses/WANTS – 30%

Examples include, gym memberships, and entertainment.

Budgeting for clothes or entertainment while not the most important, is still recommended.  As it is likely to make us want to budget.

The important thing to remember here, is that we do this in moderation.

If your expenses are higher than their income.  Don’t worry, you aren’t alone.  Start by looking for areas where you can cut some unnecessary expenses, especially areas of your variable and discretionary expenses.

 

TIP: Look for ways to cut your Discretionary and Variable expenses. 

Keep doing this till you get your expenses down, as much as you reasonably can.

Look for ways to save on groceries, or by cancelling memberships that you don’t use often.

 

TIP: Your total expenses should be less than 75% of your total net income.

 

 TIP: Automate your Savings sections.

As soon as you get paid, money needs to go in automatically (such as a direct deposit) to certain Budget items, such as tithing, savings, retirement account, children’s college funds, and emergency fund account.

These items are super important and automating them will help.

 

TIP:  Automate certain Bill Payments.

This is especially useful for busy folks.  As it avoids late fees, which can really hurt your budget.

I learnt the hard way how these late fees can quickly add up.

 

TIP: PAY MORE THAN THE MINIMUM ON CREDIT CARD OR LOANS, AS MUCH AS POSSIBLE. 

As the longer you have these bills, the more interest that you will be paying on them!

OPTIONS TO GET RID OF DEBT:

Some options to get rid of Debt include:

  • Dave Ramsey’s Debt Snowball Plan.
  • Set Debt Payoff goals, using this Debt Reduction Article and Spreadsheet, from loveandmoneymatters.com

 

5. Make sure you check your Budget often.

  1. To see if bills that were due, or have been paid on time.  Check slightly before the 1st and the 15th of each month.
  2. Your budget needs to be adjusted for upcoming events such as Back to School items, Christmas, etc.

 

6. Keep copies of your bills for several months to several years.

You can write the date you paid a particular bill, before you file it.

 

Summary:

The advantages of budgeting are many as you can see above. Setting up a budget for the first time will take some time, but it will get easier in about two to three months.

To Recap:

  • Download a budget worksheet.
  • List your different sources of income.
  • Using the 50/20/30 rule enter your expenses in either of the 3 categories.
  • Get rid of debt using a Debt Snowball Method.
  • Automate your Savings.
  • Automate certain Bill Payments.
  • Check your budget often.
  • Keep copies of your paid bills.
  • Be flexible, and adjust the percentages to increase your savings!

Using the 50/20/30 rule will definitely help get you started on the right track.  A variant is the 50/30/20 rule that puts 30% in savings with 20% going towards discretionary spending.

Stick with budgeting, as the payoff is really worth it! You can make it happen! And once you are over the initial hump, it will become almost second nature to you.

You can do this!! You are so worth this effort!! And you will reap the rewards of budgeting for years to come.

Here are images of the books/CDs/DVDs that I recommend:

 

The Total Money Makeover by Dave Ramsey, setting up a budget for the first time.             Cash Flow Planning Budgeting, Financial Peace University, setting up a budget for the first time. The Hardworking Woman's Guide to Money by Kathleen Thomas, setting up a budget for the first time.
The Financial Diet, setting up a budget for the first time.             Financial Peace Planner, setting up a budget for the first time.

How has budgeting improved your life?  Please share your comments below.

 

 

 

 

Filed Under: Budgeting Tagged With: budget, family budget, how to create a budget, kids and budgets, Money

Speak life over your child always

March 17, 2018 By admin

 

Ways to speak life over your child, through prayer, encouragement, and god's truth.

Speak life over your child, and bless your child

{This post contains affiliate links.}

As parents, grandparents, or guardians we have a special responsibility to speak life over our children, and bless the children that God has given us.

It doesn’t have to be formal or a long prayer, and can be said in everyday situations.   It can be spontaneous, such as, “May (Child’s Name) be blessed today, and cover them with your precious blood Jesus”.

We can say this before they go to school, and before bedtime.  The important thing is to ask our Heavenly Father to bless your child.

You will see a positive change in them, and it will positively change the atmosphere in your home.  And sometimes, we may never know the benefits of these prayers over our children, until years later.

Besides spontaneous prayers, how can you speak life over your child, and those that you love?  Here are some Blessing Tips that I find helpful:

1) The Aaronic Blessing:

This is a prayer that God told Moses to have Aaron, the high priest, pray it over the children of Israel every day.  By praying this prayer, God would supernaturally place His name (His very person), on them.

They were also assured of God’s supernatural provision, divine health, and angelic protection!  How amazing is this!  This is a powerful prayer that I love.  Friends, I would use your child’s name, or even your family members name in this prayer, and say it aloud daily.

This is not a magic formula, but a blessing where The Lord our God, the Creator of this universe seeks to bless His Children.  This Blessing is available to all in Christ Jesus.

This prophetic blessing can be found in the Bible, in the Old Testament, in Numbers 6:24-26 (RSV).

“The Lord Bless you

and keep you;

The Lord make His face to shine upon you

and be gracious to you;

The Lord lift up His countenance upon you,

and give you peace.”

The Hebrew version of this prayer (especially when it is sung) is awesome.  Warren Marcus in his wonderful book  ‘The Priestly Prayer of the Blessing’ reveals how to experience the power of this prayer over your life, over your children, and family.

This is a must read if you want to discover the true meaning of the Aaronic Blessing, and releasing Father God’s power in your life!

Friends, we can even listen to this Aaronic Benediction by Misha Goetz, while we commute to work, or while we take our kids to

school or on a trip.
Aaronic Blessing

 

2) 5 Elements of Blessing:

In their book, ‘The Blessing’, Drs. Gary Smalley and John Trent mention 5 elements when blessing your child.

Their book has helped so many parents and families.  It is a way of speaking life over your child.

They talk about the life-changing and unconditional love passed from one generation to the next.  Through The Blessing, children (and adults) can know that they are loved and valued.  We do this through steps, first mentioned in the Bible:

1. Meaningful touch

A non-verbal affirmation such as a hug, or appropriate touch (such as a touch on the shoulder).

2. A spoken message

Verbalized affirmation and unconditional love.

3. Attaching high value

Honoring the value of the person being blessed.

4. Picturing a special future, and

A vision of the future of the person being blessed.

5. An active commitment

An unconditional commitment to the relationship.

All five of these ‘elements’ or steps helps in restoring parent-child relationships, strengthening marriages, and bonds of friendships.  It also reminds us of God the Father’s love for us (Please see my post, 20 Bible Verses on God’s Love to Transform you)

Summary:

Speaking blessings over your child, will release God’s best in their lives.  It will speak life over your child, and their situation as well!  And it will also encourage them.  These truths help them know that  they are cherished and loved.  They will always remember these blessings, and in turn they will seek to be a blessing to those around them!

Here are images of the books I recommended above.

The Priestly Prayer of the Blessing
Speak life over your child
How have these blessings influenced your family? Please share your comments below.

Filed Under: Biblical Wisdom Tagged With: Aaronic Blessing, Bless, Blessing your child, children, Life-Changing, Powerful Scriptures, pray for your child, Prayers, speak life over your child, The Blessing, Truth

20 Bible Verses on God’s Love to Transform You

December 27, 2017 By admin

20 Bible Verses on God's Love to Transform You

God’s Love will Transform You!

{This post contains affiliate links}

No matter what your circumstances, you will find your hope, and mind renewed (changed for the better), when you read scriptures from the Bible that show God’s amazing love for you!

God is Love.  He offers you and me, and everyone a personal and deep relationship, and love, through His only Son, Jesus.  And His Love for every person is everlasting, merciful,  forgiving, sacrificial, perfect, and hope-filled.  His Love is also powerful, awesome and so much more than we can ever imagine!

His nature is love.  His love for us is not based on our abilities, and what we have done or will do.  It is based on His Character to give to us.

The enemy will try to steal your peace and joy, by having you focus on what’s wrong with your situation.  Don’t let him do that!  He knows that God is the only one who can truly meet your needs.  Stand firm, spend time in God’s presence, and read and re-read Scriptures from the Bible that offer you a hope, and a future!

You will be encouraged, as you read these Scripture verses on God’s Love:

John 3:16-17

For God loved the world so much that he gave his one and only Son, that whoever believes in him, shall not perish but have eternal life.  For God did not send His Son into the world to condemn the world, but to save the world through Him.

2 Corinthians 12:9

“My grace is sufficient for you, for my power is made perfect in weakness.”  Therefore I will boast all the more gladly about my weaknesses, so that Christ’s power may rest on me.

Romans 5:8

But God demonstrates His own love for us in this:  While we were still sinners, Christ died for us.

John 15:13

Greater love has no one than this; to lay down one’s life for His friends.

Psalm 103:8

The Lord is compassionate and gracious, slow to anger, abounding in love.

Galatians 2:20

I have been crucified with Christ.  It is no longer I who live, but Christ who lives in me.  And the life I now live in the flesh, I live by faith in the Son of God, who loved me and gave Himself for me.

1 John 3:1

See what kind of love the Father has given to us, that we should be called children of God; and so we are.  The reason why the world does not know us, is because it did not know Him.

Zephaniah 3:17

The Lord your God is in your midst, a mighty one who will save; He will rejoice over you with gladness; He will quiet you by His love; He will exult over you with loud singing.

 1 Chronicles 16:34

Give thanks to the Lord, for He is good; His love endures forever.

Nehemiah 9:17

…But you are a forgiving God, gracious and compassionate, slow to anger and abounding in love.  Therefore you did not desert them.

Isaiah 54:10

“Though the mountains be shaken and the hills be removed, yet my unfailing love for you will not be shaken, nor my covenant of peace be removed,” says the Lord, who has compassion on you.

Psalm 36:5-6

Your love Lord reaches to the heavens, your faithfulness to the skies.  Your righteousness is like the highest mountains, your justice like the great deep.  You Lord preserve both people and animals.

Psalm 107: 8-9

Let them give thanks to the Lord for His unfailing love, and His wonderful deeds for mankind, for He satisfies the thirsty, and fills the hungry with good things.

Isaiah 43:2

When you pass through the waters, I will be with you; and when you pass through the rivers, they will not sweep over you.  When you walk through the fire, you will not be burned; the flames will not set you ablaze.

John 10:10-11

The thief comes only to steal, and kill, and destroy; I have come that they may have life, and have it to the full.  “I am the good shepherd.  The good shepherd lays down His life for the sheep.”

Romans 8:28

And we know that in all things God works for the good of those who love Him, who have been called according to His purpose.

Isaiah 41:10

So do not fear, for I am with you; do not be dismayed, for I am your God.  I will strengthen you and help you; I will uphold you with my righteous right hand.

Revelation 21:4

He will wipe every tear from their eyes.  There will be no more death, or mourning, or crying or pain, for the old order of things has passed away.

Psalm 46:1

God is our refuge and strength, an ever-present help in trouble.

John 8:12

When Jesus spoke again to the people, he said, “I am the light of the world.  Whoever follows me will never walk in darkness, but will have the light of life”.

There are so many more verses on Christ’s Love.

 Some great reads that I love, include:

Crazy Love by Francis Chan, God Loves You by Dr. David Jeremiah, and 66 Ways God Loves You by Jennifer Rothschild.

I highly recommend all of these books.  We would love to hear from you, on Bible verses that you like.

 

 

 

 

 

 

 

Filed Under: Biblical Wisdom Tagged With: Bible Verses, God's Love, Hope, Inspiration, Inspirational Scripture verses, Joy, Love, Peace

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