I've found, in my little blog universe, a like-minded group that has saved me, saved me, at times, from feeling utterly alone in seeking the life I want for myself and my family. Just knowing that so many people are on the same path, be they near or far, has been a comfort when I didn't feel my own passions and interests reflected in my immediate surroundings. I am so grateful to have these connections to people that I can "speak to" and, happily, I can visit their blogs to learn and commiserate and cheer them on in turn. This sense of community, albeit virtual, has been a turning point for my emotional well-being and overall sense of place and happiness.
Another thing that has been paramount to my adjusting to becoming a mom, my struggles with depression and anxiety, and my maturity as an adult has been the local library, wherever I have lived. I have lived in the city (not a big one, didn't love it) where I basically lived and worked and breathed the university library and archives as a student and research assistant. I was even in charge of a small college library in one of my former positions. I have tutored literacy and English as a Second Language at various local libraries and I'm here to say that the safe, welcoming space of a local library is essential to making connections between the literate and those who need assistance. If not for the local library, where will the working person who needs help with their English meet a literacy tutor? At a noisy coffee shop?
When I worked as a life skills and employment support worker for a developmentally delayed young lady, the library was one of our favorite stops because it was a place where she could access the computers, flip through her favorite magazines and check out books that we used in our weekly lessons. The local library is a place of inclusion, empowerment and learning.
More recently, the local library has been a lifeline for me as I navigate writing a weekly column in the local newspaper. I check out books to research much of what I write about, and I encourage my readers to visit the library rather than spending their money on books they can ill afford (it's a frugality column, and though I want to support writers as well, my advice is from the saving money standpoint).
More personally, the library has been a place for me to teach my kids about literacy, community, responsibility, diversity and public service. We use the local library almost weekly. Monthly, for sure. We attend the craft and story mornings and we visit to borrow books and movies. This teaches them to look after someone else's property and keep track of deadlines and respect rules. When we go to the library my kids see people of colours, religions and economic backgrounds they are not familiar with. This is a good thing. We see people that are out of work, using public computers in a determined quest to better themselves. Without these public spaces, where would all of this activity, learning and mingling of cultures take place?
In a world where we are increasingly afraid of each other, how are two farm kids going to be exposed to people that are different? And will they grow up to believe that different is bad, strange, scary or dangerous?
I write a column in the paper about making lifestyle cutbacks to counter the loss of work and wages that many local people have endured in the last several years. I am a firm believer in examining your spending, tracking it, and making painful, uncomfortable choices to bail yourself out. And I can see that the Saskatchewan Government feels it is making those same types of choices when it cuts funding to libraries. But I would ask, on behalf of the people who are out of work, who have possibly lost their jobs and homes and have reduced their cell phone bills and internet bundles, where are they going to go to look for work, improve their resumes, or read a book rather than give in to despair?
With an accountant's eye, one might look at provincial libraries and see a non-essential public service that can be pruned or, in the case of Regina and Saskatoon, eliminated completely (the Province cut all funding to the two largest city libraries, leaving it up to municipal taxes to support those major city libraries). But what will the ripple effects be throughout small communities who have only been able to remain open a few mornings a week? What about the town where we used to live, which only has a k-gr 8 school with no library, whose students traipse across town once a week to the tiny library we used to visit? Will that town lose its library, and thus the school lose its library as well?
If I recall correctly, that little library was only open 10 or 15 hours a week. But it was the community hub in a town of 200 or so people. There were kids crafts, a book club, a place for the town and surrounding farm families to borrow books. It was a place where a tired, depressed new mom went to connect with other grown ups. And it helped immensely.
I want to do something to raise awareness of what's happening. I also need to really sit down and read what the exact situation is. For now, I 'm wondering if anyone out there has ideas what Saskatchewan can do to protest and turn this around. If you are a resident of Saskatchewan, there is a letter writing campaign you can join. Please pass it on to like-minded people.
Save Saskatchewan's Libraries
Please leave any suggestions you might have in the comments!
Wednesday, 29 March 2017
Sunday, 26 March 2017
Weekly Column: Girls just wanna have fun(ds)
Girls just wanna have
fun(ds)
Did you know that, in their lifetimes, women need to save
more money than men? Statistically speaking, women are likely to live longer,
and therefore need to plan for a longer retirement. Not only that, many women
take time away from their careers to have kids. While some women are
comfortable staying home to provide their own childcare, others return to work
and find that they’ve either been passed up for promotions, missed training
opportunities or have otherwise fallen behind in their field.
In the event of a family emergency, it quite often falls
upon women to take time off to help. Whether it’s a family crisis, helping with
aging parents or helping the kids adjust to becoming parents themselves, women
are more likely to sacrifice their wages and promotions due to family
responsibilities. Most would say that being involved in their community and
family is well worth it, but that doesn’t change the fact that it affects how
much money you will make in a year and over your lifetime.
Additionally, in most industries, women are still not paid
the same amount as men doing the same jobs. While there’s been progress in wage
parity, it’s still harder for women to get promotions and raises no matter how
hard they work. So, what’s a girl to do?
Don’t wait for
someone else to do it for you
No matter your financial plans, don’t wait for someone else
to get them started. Get professional advice on the most effective ways to save
and invest, whatever your age. The strategy of a young lady fresh out of
university won’t be the same as that of a 50-something divorcee or a widow
facing retirement alone. A newlywed young mom has a vastly different reality
than an upwardly mobile businesswoman. What they all have in common, though, is
a right and a responsibility to plan for their own future and the future of any
dependents they support.
Plan for debt
There are many different debts that a woman might incur over
her lifetime. Whether you’re in a relationship or not, don’t let it stop you
from saving a down payment, finding a property and purchasing a home. Get a
roommate or turn the basement into a money-making suite if possible. Taking on
student debt is quite likely an investment in yourself and your future. Sit
down and plan how you’ll be able to pay for extra education.
When shopping for a vehicle, keep in mind the depreciation
that happens the moment you drive a new car off the lot. Consider whether a
used vehicle might suit your needs just as well. Do your research and watch for
a used vehicle that still has warranty if you’re more comfortable having that
security. At all times, think about how the interest you are paying on “stuff”
might otherwise be going into savings. Don’t let your lifestyle choices of
today eclipse your financial security in the future.
Diamonds (and gold)
are a girl’s best friend
Not only women are intimidated by the stock market. However,
if feeling that you don’t understand prevents you from building an investment
portfolio, you are selling yourself short. Websites such as gogirlfinance.com and
financialwoman.com can help boost your financial literacy. Meet with several
financial advisers to discuss how you want to put your money to work for you.
Don’t hire anyone who condescends to you—it’s your money and you should be
comfortable talking to your investment professional.
Life is not a fairy
tale
Things get complicated when you go from being a working
woman, earning your own pay and deciding how to spend and save, to being a
partner in a relationship. Combining incomes and households, whether in a
marriage or common-law situation, is a serious endeavor. An honest discussion
about financial goals seems a no-brainer, but not all couples know each others’
expectations or beliefs.
It’s true that many families have struggled to pay for
necessities these last few years. Beginning a conversation about a woman’s
financial needs might, at this point, seem moot. But, if you have some control
over your household spending, perhaps you should start thinking of places to
cut costs to save for your long-term future.
Perhaps you can educate your daughters or nieces on being
financially independent. No matter whether you are single and working or in a
committed relationship where all your needs are met, things change and
unforeseen emergencies arise. The question is, will you be ready?
Having a solid safety net in place, for retirement and
emergencies, only makes sense no matter your gender. But with lower wages and
many factors drawing them out of the workforce, women need to be even more diligent
and prepared. It’s never too late to come up with a plan.
Sunday, 19 March 2017
Weekly Column: The thing about sales...
The thing about sales...
End of season clearance sales are upon us. Savvy shoppers
everywhere are sharpening their pencils and making a list of things they will
need for next winter. Some things to consider are: what size do you expect your
kids to be wearing? What do you have that can be reused or handed down? Sold?
Do you
normally receive hand-me-downs? Are you comfortable checking with friends to
see if the right sized winter clothing is coming your way? Doing some queries
before you go shopping might save you a bundle, even if what you are shopping
for is on sale.
Gifts and useful
things
Other things you might find on sale right now are
winter-themed dishes, bedding and knick-knacks that might be given as gifts
over the coming year. Scarf and mitten sets, lined jeans and the like are cozy
Christmas gifts and can be stored until next winter.
But don’t forget you’ve
already purchased these items! And don’t continue to buy more gifts next year,
just because you have forgotten how much you paid. If your price limit is $50
and the regular price of the item is $50, you have done your part. Even if the
item was priced significantly less, don’t feel tempted to continue
spending—commit to spending as little as possible.
Don’t be swayed
As the days get longer, displays of summer tops and bright
new dishes might feel like a reward for making it through another winter. But
what use have you for more stuff? Yes, you may want a few new summer things,
but they’re likely to be full price at this time of year. Learn the value and
price of things—if you don’t know the regular price you may easily be fooled
into thinking a so-called sale at one store is a better deal than the cheaper,
regular price at another.
If it is a cheaply made piece of clothing, why would you pay
full price when it is probably going to be on sale before the weather is nice
enough to wear it? Stores display full price inventory in the lead up to the
new season—soon we will be bombarded by new summer trends.
Dig out your last
year’s wardrobe before deciding you need to shop. What fits, and what doesn’t?
What will you do with the clothes you aren’t going to wear? Having a “one in,
one out” policy helps some people curb their spending. Don’t allow yourself to
bring any new articles of clothing into your home unless you can part with
something you already have.
Of course, donating to one of the worthy local
second hand shops or swapping with friends is a good use for your discarded
clothing. Or, if you’re really ambitious, you might plan a spring garage sale and
try to recoup some of the money you have spent on items you no longer want.
Do your research
If you’ve been waiting to purchase bigger ticket items for
your yard, say a lawn mower or garden tractor, compare prices at a number of
different stores. Inquire about sales and warranty.
Don’t jump into an
impulsive purchase before you have read customer reviews and asked around. You
may find a great bargain advertised on social media or kijiji. Take your time
and wait for the best deal to come along.
Test yourself
If you are shopping for some new spring and summer things,
don’t go over board. Ask yourself some questions before you pull the trigger on
those purchases:
Will you still want this item in six months or a year? How
about two years? Five?
If you decided not to buy it today, could you be
bothered to drive back to the store tomorrow to get it?
They say that once a customer
has held an item they’re much more likely to buy it—avoid handling the
merchandise that you are browsing through.
Also, ask yourself if you might find the item used. Many
things built years ago were better quality. If what you are thinking of buying
is not something that you have been waiting and watching for, it is by
definition an impulsive purchase.
Choose to sleep on it. Decide if you wouldn’t
be better off putting that same amount of money against your highest payment.
Shopping seasonally
Shopping for Christmas decorations after the fact is only
one example of how you can save drastically by shopping off-season. To some, it
might negate the excitement of the holiday, but for the frugal it is an
opportunity to save.
To be truly and completely frugal, though, you have to ask
yourself if buying something because it is on sale is wise at all. If you don’t
need it and won’t use it, your money is better kept in your pocket.
Wednesday, 15 March 2017
Back From the Deep
A few of you might remember that I was starting a writing class this winter. It's into the final week now, and what a fabulous experience it has been :)
Naturally, our Internet went kerplunk as soon as I was immersed in an online course. So it was both a challenge and a blessing to lose our contact with the online world. Posting to the class was a pain--definitely! But I think I maintained as much of a presence as my busier classmates did. The Internet came and went, you see, in drips and infuriating drops, wasting more time trying to log on that just. going. to. write.
So it turned out that losing the Internet for a month was helpful, in that I had to quit checking email, reading American news (!), and trying to log in to my blinkety-blank online course site and just go do the work of writing. And, let me tell you, that's harder than it sounds.
Does anyone out there remember the days of staying with a task from beginning to end, uninterrupted, for hours? Looking up at the clock and being shocked at how much time has passed? I do! Mind you, it was years ago, before I had kids. And also before the Internet and smart phones reduced my attention span to that of a gold fish.
After a month of very little connectivity, I managed to regain some of my work ethic and attention span. I'm now able to work for an hour, even two, at a time without checking email, logging into my class to check for new posts, or just taking a break to browse news sites. I have to wonder--how productive of a writer would I be if I could keep up this forward momentum? If I could make writing, real, nose to the page writing, my priority instead of turning on my phone to feed my brain more smut and intrigue from the online headlines?
I'm not saying we shouldn't keep abreast of what's happening. The worst thing we can do is bury our heads in the sand, now more than ever. But feasting on every detail of Trumpism, right down to the fact that he obscenely eats ketchup on his well done steak, is distracting me from this very important moment in my life where I set out on a journey of learning, discovery, and achievement. I'm not saying I'm going to selfishly ignore what's going on so that I may improve my writing. I want to refocus my attention on the certain issues that most worry me, and let those concerns inform me as a person and a writer and do something about it.
The ability to shut off the noise and concentrate and invest yourself in what you are doing is being lost. I go on social media rants all the time, so I'll spare everyone that. But in my constant sense of crisis these last months, I felt my ability to cope being threatened. I'll admit I've had issues with anxiety and depression in the past (who hasn't, really!) but it surprised me, and scared me a little, to have the old hollow, panicked feeling return. Racing thoughts, avoiding social situations, the works.
Then I sent a draft of a story to a friend for feedback and was disappointed with I what I heard. It affected me far more than it should have. But I am at the beginning of this learning curve and my feelings were hurt. Frankly, it was hard to get back in the saddle. But when it is hardest, I know this well, that is where the most learning is taking place.
I can't say for sure if the way I was feeling was due to a cold February, Trumpism, the headlines, social media (I'm not on FB, twitter, instagram), the emotional process of writing and editing a story over and over, or just depression rearing its ugly head, but I can say this--whenever I feel the panicked, untethered feeling of not knowing what to do or how to manage, it is time to sit down and talk myself off that ledge.
I had to take a break from working on my story. I knew that I wasn't giving up, exactly. Just that my mental health needed a reprieve. I worked instead on a quilt I've been making for a friend (after a day in bed. I actually didn't have the energy to move, and Husband was home to look after the kids. I had a good cry, milked it for awhile, then put on my big girl panties.But in my defense, I also came down with a brutal flu!)
This quilt is significant in many ways. My friend and I have been very honest with each other about our separate journeys through depression. She has done so much better since reading that it helps to give yourself a symbol to watch for--that reminds you of something good, or that you will be fine, whatever. That's my understanding of it, at least! But she began to notice yellow butterflies around her, everyday. And I can attest to this. I have been with her every where and noticed yellow butterflies appear out of nowhere in the air, or on paper, pottery or photographs. It's uncanny.
My own process is the careful sewing and pressing of fabric. It brings me back to earth, out of the flights of anxiety that seem to take me off my feet. As much as I didn't feel like getting started, it helped me immensely this February to return to a project I abandoned in the spring once I got gardening.
And while I was sewing and pressing, sewing and pressing, I had time to ask myself what is at the root of my anxiety? Why, oh why, after years of calm, am I so shaken?
I always ask myself if my actions are in sync with my beliefs. As soon as they are not, I spiral into a bit of a funk. I just really can't stand how I feel in the pit of my stomach. And this is possibly because in the past my actions were out of line with my beliefs. I can't tolerate it now. So if it is a social situation where I find myself behaving differently around certain people, whether to impress or to show off, I am a basket case. I have to step back from some interactions but I am still processing and figuring out how to do it.
And in my forwarding a draft of a story around, and getting my feelings crushed in the process, I have to admit that I was searching for an "atta girl" rather than truly seeking growth and learning. It was tough but to be a writer one must find a thicker skin. I'm going to get better at detaching!
Over and over again, when my belly tells me something is not right in my world, I ask myself whether I seek meaning or approval. Have I been hoping to get noticed? Would I like recognition, praise, admiration? Or would I like to work on myself from the ground up, from the calloused feet to the greying hair, and be the very best version of myself that I can be? Because I won't find my best self in someone's compliment. I'll find it when I unplug from distractions, keep my family close and let into my world people that are on the same journey.
If you have ever suffered from anxiety, I hope that it helps you to find a hobby, activity or symbol that comforts you when it gets bad. Retreat from the noise, if possible. Practice things that calm you down. Talk to someone. It may help to explain to your kids what is going on, if you have them. They may end up traveling a similar path and it can only help them to remember the ways you coped and were open about how you felt. At the same time, don't burden them with too much information. Keep it age appropriate. I'm not a professional, so seek out professional advice. My situation is mild and only pops up from time to time. But there's no reason to be ashamed.
The other night, with Daddy going back to work for 10 days in the morning, I explained to my 7 yr old that I always make us special food the day that Daddy leaves. To make us feel better. Because it is sad when he leaves. And it's okay for us to feel sad. But it is also important to realize why we feel sad, and do things to make ourselves feel better. For us it is board games and stories, chicken nuggets and popcorn. Hey, whatever works, right?
I'm out of my February Funk. Rising back out of the Deep. At the same time, I'm ready to face the year with renewed determination to unplug from what distracts and upsets while still learning about and fighting for causes that are important. I can't fight every battle for every person and remain whole. But I can fight for some and save myself in the process.
Naturally, our Internet went kerplunk as soon as I was immersed in an online course. So it was both a challenge and a blessing to lose our contact with the online world. Posting to the class was a pain--definitely! But I think I maintained as much of a presence as my busier classmates did. The Internet came and went, you see, in drips and infuriating drops, wasting more time trying to log on that just. going. to. write.
So it turned out that losing the Internet for a month was helpful, in that I had to quit checking email, reading American news (!), and trying to log in to my blinkety-blank online course site and just go do the work of writing. And, let me tell you, that's harder than it sounds.
Does anyone out there remember the days of staying with a task from beginning to end, uninterrupted, for hours? Looking up at the clock and being shocked at how much time has passed? I do! Mind you, it was years ago, before I had kids. And also before the Internet and smart phones reduced my attention span to that of a gold fish.
After a month of very little connectivity, I managed to regain some of my work ethic and attention span. I'm now able to work for an hour, even two, at a time without checking email, logging into my class to check for new posts, or just taking a break to browse news sites. I have to wonder--how productive of a writer would I be if I could keep up this forward momentum? If I could make writing, real, nose to the page writing, my priority instead of turning on my phone to feed my brain more smut and intrigue from the online headlines?
I'm not saying we shouldn't keep abreast of what's happening. The worst thing we can do is bury our heads in the sand, now more than ever. But feasting on every detail of Trumpism, right down to the fact that he obscenely eats ketchup on his well done steak, is distracting me from this very important moment in my life where I set out on a journey of learning, discovery, and achievement. I'm not saying I'm going to selfishly ignore what's going on so that I may improve my writing. I want to refocus my attention on the certain issues that most worry me, and let those concerns inform me as a person and a writer and do something about it.
The ability to shut off the noise and concentrate and invest yourself in what you are doing is being lost. I go on social media rants all the time, so I'll spare everyone that. But in my constant sense of crisis these last months, I felt my ability to cope being threatened. I'll admit I've had issues with anxiety and depression in the past (who hasn't, really!) but it surprised me, and scared me a little, to have the old hollow, panicked feeling return. Racing thoughts, avoiding social situations, the works.
Then I sent a draft of a story to a friend for feedback and was disappointed with I what I heard. It affected me far more than it should have. But I am at the beginning of this learning curve and my feelings were hurt. Frankly, it was hard to get back in the saddle. But when it is hardest, I know this well, that is where the most learning is taking place.
I can't say for sure if the way I was feeling was due to a cold February, Trumpism, the headlines, social media (I'm not on FB, twitter, instagram), the emotional process of writing and editing a story over and over, or just depression rearing its ugly head, but I can say this--whenever I feel the panicked, untethered feeling of not knowing what to do or how to manage, it is time to sit down and talk myself off that ledge.
| A quilt for my friend. See any yellow butterflies? |
I had to take a break from working on my story. I knew that I wasn't giving up, exactly. Just that my mental health needed a reprieve. I worked instead on a quilt I've been making for a friend (after a day in bed. I actually didn't have the energy to move, and Husband was home to look after the kids. I had a good cry, milked it for awhile, then put on my big girl panties.But in my defense, I also came down with a brutal flu!)
This quilt is significant in many ways. My friend and I have been very honest with each other about our separate journeys through depression. She has done so much better since reading that it helps to give yourself a symbol to watch for--that reminds you of something good, or that you will be fine, whatever. That's my understanding of it, at least! But she began to notice yellow butterflies around her, everyday. And I can attest to this. I have been with her every where and noticed yellow butterflies appear out of nowhere in the air, or on paper, pottery or photographs. It's uncanny.
My own process is the careful sewing and pressing of fabric. It brings me back to earth, out of the flights of anxiety that seem to take me off my feet. As much as I didn't feel like getting started, it helped me immensely this February to return to a project I abandoned in the spring once I got gardening.
And while I was sewing and pressing, sewing and pressing, I had time to ask myself what is at the root of my anxiety? Why, oh why, after years of calm, am I so shaken?
I always ask myself if my actions are in sync with my beliefs. As soon as they are not, I spiral into a bit of a funk. I just really can't stand how I feel in the pit of my stomach. And this is possibly because in the past my actions were out of line with my beliefs. I can't tolerate it now. So if it is a social situation where I find myself behaving differently around certain people, whether to impress or to show off, I am a basket case. I have to step back from some interactions but I am still processing and figuring out how to do it.
And in my forwarding a draft of a story around, and getting my feelings crushed in the process, I have to admit that I was searching for an "atta girl" rather than truly seeking growth and learning. It was tough but to be a writer one must find a thicker skin. I'm going to get better at detaching!
Over and over again, when my belly tells me something is not right in my world, I ask myself whether I seek meaning or approval. Have I been hoping to get noticed? Would I like recognition, praise, admiration? Or would I like to work on myself from the ground up, from the calloused feet to the greying hair, and be the very best version of myself that I can be? Because I won't find my best self in someone's compliment. I'll find it when I unplug from distractions, keep my family close and let into my world people that are on the same journey.
If you have ever suffered from anxiety, I hope that it helps you to find a hobby, activity or symbol that comforts you when it gets bad. Retreat from the noise, if possible. Practice things that calm you down. Talk to someone. It may help to explain to your kids what is going on, if you have them. They may end up traveling a similar path and it can only help them to remember the ways you coped and were open about how you felt. At the same time, don't burden them with too much information. Keep it age appropriate. I'm not a professional, so seek out professional advice. My situation is mild and only pops up from time to time. But there's no reason to be ashamed.
The other night, with Daddy going back to work for 10 days in the morning, I explained to my 7 yr old that I always make us special food the day that Daddy leaves. To make us feel better. Because it is sad when he leaves. And it's okay for us to feel sad. But it is also important to realize why we feel sad, and do things to make ourselves feel better. For us it is board games and stories, chicken nuggets and popcorn. Hey, whatever works, right?
I'm out of my February Funk. Rising back out of the Deep. At the same time, I'm ready to face the year with renewed determination to unplug from what distracts and upsets while still learning about and fighting for causes that are important. I can't fight every battle for every person and remain whole. But I can fight for some and save myself in the process.
Friday, 3 March 2017
Weekly Column: A Routine Saves You Money
Routine saves you
money
Have you ever had a day where you spent far more money than
you had planned? Of course, there are always days where unexpected things
happen—break downs, accidents, unplanned-for expenses. That’s a reality of
life. But what about the days where you leave the house as usual and yet, every
time you turn around, you are opening your wallet for unnecessary, incidental
spending?
Why did you end up spending on those days? Could it be
because you were in a hurry, flying from one obligation to the next, without
time or energy to properly plan how to get through the day without
overspending?
A disorganized morning might lead to sending the kids money
to buy their lunches. While you’re rushing around, a coffee and breakfast
sandwich from a drive thru might get you through your stressful morning. Why
not treat yourself to lunch? After all, you woke up behind the game and by this
time your breakfast has worn off, leaving you feeling hungrier than ever. After
work you meant to get groceries but forgot about junior’s practice. Just grab a
quick ready to serve meal and rush on to your evening of obligations, leaving
groceries for another day. You will have to repeat this process in the morning
because there’s no food for a proper breakfast or to make lunches. Does any of
this sound familiar?
The fact is, it costs money to be unorganized. Everyone has
days where a whirlwind suddenly takes over, so don’t feel guilty. But it’s a
simple fact that frugality takes effort. Yes, some people have a natural
tendency to watch how much they are spending. But they do the work to back it
up. And most of them would admit that they don’t like chaos, and being prepared
helps them cope with what life throws at them. While this preparation might
include savings and retirement plans, it also includes small daily things like
having meat thawed to cook for supper or keeping some meals frozen for hectic
days. It might entail keeping a bag of trail mix in your glove compartment
rather than zipping through the drive thru whenever someone gets hungry (which
is all the time if your kids think they can talk you into it!).
Late payment charges, take out meals, unnecessary trips to
the store (or town if you live in the country) could mostly be avoided or
eliminated by getting organized. Please note—missing a payment because you
don’t have the money is different than missing a payment and being charged
interest because you forgot about it. If you wish you had more time and money
and feel that you should be doing better with the money you earn, perhaps it’s
time to take a serious look at your routine.
It pays to get
organized
In many cases, sticking to a regular routine prevents
splurging and overspending. If you can plan a weekly grocery day rather than
popping in to the store whenever you think of something you need, you are
likely to leave with fewer impulse buys. Likewise, keeping a list of what you
need and running most of your errands in one or two trips every week also curbs
the temptation to stop for a coffee, grab a bite, or check out a store while
you are out.
Essentially, putting some thought into what you need
beforehand helps you stick to a plan (and budget) while you do your business
around town. A benefit of being more organized is that you might have more time
at home doing things that you might otherwise hire out, like lawn mowing, snow
shoveling, dog walking or house cleaning.
Prepare your morning coffee the night before, lay out the
kids’ clothes, do a ten-minute tidy-up before bed. If you can eliminate a bit
of chaos from your routine, you will allow yourself the time and clarity to
make better decisions through out the day, including how you spend your money.
Write it on the
calendar
Many businesses give away calendars or day planners at the
start of the year. Look around for these freebies, or try setting reminders on
your phone or computer. Only spend money on a day planner if you really intend
to use it. Remember, all of the little gadgets and apps you buy to help
organize yourself add up. Commit to using one and check and update it daily.
Add work meetings, kid’s events, bills and paydays to your
schedule. Plan around the most hectic times by getting prepared beforehand.
Schedule in your grocery shopping. Make menu plans. Keep daily and weekly lists
of what you must get done. You might find there is more time for fun, too. Be
more efficient with your time, and efficiency with your money will follow.
Friday, 17 February 2017
Weekly Column: Growing Healthy Families
Growing healthy
families
Most parents will admit that it can be a struggle to have their
kids in extra-curricular activities. Even when money isn’t an issue, fitting
everything in is a challenge. Between practices, games or recitals, travel time
and any volunteer commitments that come with the chosen sport or activity,
there is little time left in a week to complete homework and have some relaxing
downtime with family. Many of us are left wondering, how do they do it all?
There was a time in the local area where many families
didn’t have to consider the cost of sports and activities for their kids—it was
a given that they would sign up for any and all programs that the kids were
interested in. But that wasn’t the case for everyone. Even in the best of times
there were local families that had difficulty paying for high rent, the
increasing cost of food, not to mention extra-curricular. Nowadays, more and
more families fall into this category. The question is, then, how do you find
the right balance of afterschool activities if you are finding it hard to pay
for everything?
What do the
professionals say?
Participaction.com tells us that kids aged 1-4 should have
180 minutes of physical activity spread out through every day. Kids of all ages need a variety of activities that
include inside and outside time, exploring, discovering and interacting with
people of all ages.
Likewise, kids aged 5-17 need an accumulated 60 minutes/day
of moderate-vigorous exercise as well as several hours every day of light activity that is both structured (guided) and
unstructured. For school-aged kids one might expect that those objectives are
being met in gym class and on the playground, but that doesn’t give parents the
go ahead to park their kids in front of the TV or computer after school.
Experts recommend that kids get no more than 2 hours of screen time/day, along
with regular, uninterrupted hours of sleep. Ages 5-13 should be sleeping 9-11
hours every night and 14-17-year-olds should get 8-10 hours and everyone should
stick to consistent bedtime/waketimes.
No pressure, parents, if you feel like there’s no way to
manage it all. Focus on the fact that none of these essential activities need
be organized or expensive. Playing dress up, building forts and trips to the
park are as desirable as an organized sport. Family walks, playing catch,
shinny or soccer together keeps you in touch with your kids at any age.
Follow their lead
This is not to dispute the fact that organized sports are
good for kids. They inspire teamwork, build friendships and confidence and can
be favorite childhood experiences. In fact, having kids on a team helps your
whole family feel part of a larger community. Sit down with your kids and
discuss what they are most interested in. If your child wishes to give a sport
a try but you worry you can’t afford to make it happen, look up kidsportcanada.ca.
In 2015, Kidsport gave over $65,000 to help 327 kids in the Lloydminster area
afford to play sports.
For Saskatchewan kids that might have a more creative side,
parents don’t despair. They still need the outdoor and active time, but there
are many ways to engage the little artist without stressing the family budget.
Take part in library activities, check out camps at the Barr Colony Heritage
Cultural Centre, and google crafts and science experiments. Engage them with
some sensory development doing finger paints, dancing to music and writing and
illustrating their own stories. If they are interested in a more structured,
organized class, check out www.creativekidssask.ca
to see if you are eligible for funding to help pay the fees.
It's up to you
Staying engaged with our kids, knowing what they are
interested in and doing activities with them, will build their confidence and
keep them communicating with you as they get older. Whether an activity costs
money or not doesn’t determine the quality of the experience for your child. Do
you talk it over with them? Do you show up to watch? Do you help them practice?
In other words, do you take an active interest in what your kid is up to?
Midwest Family Connections has an array of activities for
little people. The Lloydminster Library has stories and crafts, and visiting the
library and reading together is one of the best things you can do with your
kids at any age. The Lloydminster Community Youth Centre welcomes kids between
ages 12 and 18, offering recreational activities, community supports and a safe
place to make new friends. Your income may have taken a beating over the last
few years, but that’s no reason why your kids can’t maintain healthy activities
and be part of a larger community of like-minded people.
Sunday, 5 February 2017
Weekly Column: Cooking Collectives Save Money
Cooking collectives
save money
Not everyone leaves home knowing how to cook, nor how to
shop for easy, healthy ingredients. On top of that, many families are smaller
these days. Buying in bulk might not be feasible for an underemployed person
supporting a spouse with, say, two small children. In many cases, there is
considerable savings when buying in larger quantities. But what if you can’t
afford that? On the flip side, if you normally cook for a number of people,
there may be ways for you to save on groceries, time and effort. As we all
know, it’s difficult to make changes and learn new skills, especially when you
are under pressure. So how can people join together to address a basic need in
the community—building the skills and buying power to enjoy healthy, affordable
meals?
Collective or
Community Kitchens
A Collective or Community Kitchen is a small group of people
that gets together monthly to plan, shop for and cook meals. The members and
leader meet based on their schedules and the availability of a space to cook
in, and childcare if needed. Participants do contribute to the cost of the food
and bring their own containers to take food home in.
A Collective Kitchen is an opportunity for people to learn
more about safe food handling, eating a balanced diet, budgeting, and working
together. In addition, it gets people out of their homes to plan, shop and cook
together, building community while also giving people the chance to try new
recipes and gain confidence in the kitchen.
Cooking at home
There is no way around it, if you can eat you need to learn
to cook. It is a basic life skill, possibly one of the most important ones. Use
a collective kitchen to inspire you to cook more at home. Yes, dishes and clean
up can be a pain. It can be hard to find time to keep the fridge and pantry
stocked. There is a drive thru on every corner these days and our bodies have
become trained to crave those fast calories. But even without considering the
budget, it is healthier and therefore very important to prepare food at home. Once you factor in the cost of take out and
ready to serve food, it should be clear that getting into a routine of cooking
at home will help your waistline and your wallet as well. Participating in a
Collective Kitchen is a step towards a healthier, more budget-friendly
lifestyle.
A family affair
Would you like to encourage your kids to learn about
nutrition, budgeting and cooking, but don’t know where to start? Kids in the
Kitchen may be just what you are looking for. Allowing kids to take part in
their own kid-centred group allows them to learn by doing and gives them a
sense of accomplishment with every meal. You may find they are more willing to
eat food that they have handled and helped to prepare. As an added benefit,
your child may become more interested in helping in the kitchen and more
appreciative of home cooked meals.
Increase your buying
power
Food banks in Alberta and Saskatchewan report that usage is
up significantly over the past couple years. People are struggling to make ends
meet and that includes keeping good food on the table. Luckily, there is a
local program that might help, called the Fresh Food Box. At $10 for a small
box and $15 for a large, this is an affordable way for families to purchase
quality fresh produce. You also receive a recipe in every order. Order your
Fresh Food Box on the first and third Thursday of every month (at #201-5001-50
Ave). Pick up is on the second and forth Thursday of the month at the
Lloydminster Native Friendship Centre (4602-49th Ave).
There are so many
benefits
Most cultures celebrate by cooking and eating together. As
social media takes the place of face to face interaction, some of those family
and community connections are being lost. Along with them are lost the joy of
sharing, the pride of displaying what you have created, and the pleasure of
companionship. Collectively purchasing ingredients and preparing food is a
great way to reconnect with your community and meet new people. It is also a
great way to introduce your family to new recipes and working together in the
kitchen.
Collective Kitchens are suited to many different groups,
whether it be kids, new or expecting moms, seniors, those with special needs or
even those with special dietary concerns. Cooking and eating together with
people from your community fosters friendship and co-operation.
For more information on Collective Kitchens, Kids in the
Kitchen or the Fresh Food Box in Lloydminster, contact Midwest Food Resources
at 306 825 2606 or lloyd.mwfp@sasktel.net.
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