Opening a Savings Account for Your Child

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Saving money is encouraged in the Bible. There are many scripture verses that establish that God wants us to be wise with our money and prepared for what may happen in the future.  Assisting your children to save money by opening savings accounts is a good start.

First, start with the scripture foundation for the principle of saving money.  Proverbs 6:6-11 talks about the hard-working ant. The Bible says “consider her ways and be wise”.  She diligently works all summer to gather food for the winter and has plenty when she needs it.  She is not a “sluggard” or a “lazybone” (NLT version), waiting for something else to do the hard work and provide food for her when she needs it.  Another important verse is Proverbs 21:5 – “Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty.” (NLT) Planning for the future is critical so that you will have money enough to provide for your needs and any emergency that may pop up.   Proverbs 21:20 talks about a rich man having precious things - wealth and luxury - while “fools spend whatever they get.” (NLT)

Second, do your homework before opening a savings account.  Research the process and what factors you should consider. There is an excellent online article (website below) entitled 7 Things to Consider Before Opening a Kids Savings Account.  It is important to understand all that is involved, including legal requirements that must be met, as well as bank fees that may be charged.

The best teacher from whom a child can learn to save money is you – the parent.  Raise a wise person, not a sluggard or lazybone!

To learn more, please CLICK HERE.

Raising Children Who Are Givers

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Photo from firstbaptistdelavan.com

Hebrews 13:16 is about doing good and sharing.  In fact, the Bible refers to these as sacrifices.   Just what is a sacrifice?  Merriam-Webster Dictionary defines the word “sacrifice” as an act of giving up something that you want to keep especially in order to help someone.  What ways can you teach your children to be make sacrifices in order to do good and to share?  Below are some suggestions.

Consider all the myriad toys that your children have.  Donating them to a worthy cause that supports children is “doing good” and “sharing” contemplated in our verse.   What toys have your children outgrown or are not being played with anymore?  Can they be cleaned and donated to other children?  Assist your children in compiling a list of these items and then discuss where they could be donated.  Is there a children’s hospital or clinic in your area?  What about a shelter? Have your children accompany you to make the donation so they can see where their toys will be placed.  It will give them a sense of accomplishment and well-being to be part of the effort to do good and share.

Also consider your children’s outgrown and unused clothing and shoes.  As springtime approaches, what better than to go through closets and drawers, including yours, to select clothing and other items that can be donated.  Please make sure that the items that are being donated are clean and in good condition. 

Donating time and efforts are valuable lessons too.  Is there a park in your community that needs sprucing up?  Consider forming a group of caring parents and children and after getting approval from the appropriate authorities, spend time making the improvements.  These efforts will definitely be sacrifices as children will want to do other “fun” things with their spare time.  But, these are all life lessons.

This list is just some of the things to consider.  The goal is to have children  learn that obeying the Word of God is important and brings honor and glory to Him. 

For additional reading, CLICK HERE.

Service Projects for Children This Summer

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Among the many interesting things that your children can be doing this summer are service projects in your community.  These projects teach children gratitude, how to care for others, be kind and helpful, and instill a sense of pride in them.   There are various non-profits that are committed to many different issues so whether you partner with one or do your own project as a family will be up to you.  I have included in this week’s blog some ideas for you to consider.

Start off by talking with your children about what projects they would like to participate in.  The last thing you want to happen is have a car full of complaining children because you are “forcing” them to do something they do not want to do.  Do they like dogs and cats?  If so, consider having them volunteer at an animal shelter.  Of course, check with the shelter and other non-profits first before you plan a service project to ensure that they can accommodate children. 

Do they complain about trash at the park? Organize them and their friends to do a clean-up.   Have they accumulated a lot of clothes that they have outgrown?  Help them gather the clothes together and donate them to a women’s shelter.  I have listed at the end of this blog a couple of websites that suggest a number of service projects.

Before, during and after each service project, talk to your children about the importance of what they are doing.  Encourage them to do more. Praise them for their efforts. 

For ideas on service projects and getting your children ready to serve, please read these two online articles:

• The Barefoot Mommy: Community Service Projects for Kids

• Kid World Citizen: 35 Service Projects for Kids

Should You Take Your Child’s Friend on Vacation?

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The summer months are quickly approaching.  What are your family’s summer vacation plans?  Often, parents with an only child consider bringing along their child’s friend.  Please don’t make this decision in haste or just because your child begs you to.  There is a lot to consider and here are a few helpful suggestions.

Who will pay the costs?  This is a very important issue that needs to be addressed with the other parents.  Gather all your information first – such as transportation costs, hotel costs, approximate cost for food, costs for renting equipment (such as swim or snorkel gear), costs for admission to various theme parks and movie theaters, etc.   You might initially think that there would not be much extra cost, but once you sit down and plan it out, the high cost may surprise you.  In the end, you may just decide to bear the entire cost for the friend to make this a more enjoyable vacation for your child. 

What will you do for discipline? Since your form of discipline for your child may not be what the other parents approve of, this is also a critical topic to discuss.  There should be clear guidelines established beforehand.  But, even prior to your discussions with them, how well do you know the child?  Is the child one who is well-behaved and respectful when in your company?  Is this friendship one that you as a parent would like to encourage?  As Christians, we should always be mindful of who our children are friends with and who can influence them.  1 Corinthians 15:33 states “Bad company ruins good morals.” (ESV).

What will you do in the event medical care is needed? Again, this needs to be planned out.  In the event of a medical emergency, you will need to have the authority to obtain and provide medical care for this child.  Make sure you have the legal authority to do so.   Often, a copy of the child’s health insurance card and a letter from the parents is enough. 

When I was growing up, I went on many trips with my best friend as she was an only child.  We all had a lot of fun, parents included.  But, that all stemmed from them knowing me and my parents well, as well as me knowing them well.  I felt comfortable being with them and was not a discipline problem.  It all worked out wonderfully! 

Be Very Mindful of How You Speak to Your Children – Part 2

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This blog post is part 2 of how we as parents should speak to our children. Part 1 can be found here. I love what this quote from Brooke Hampton says as to how we should speak to them – “as if they are the wisest, kindest, most beautiful and magical humans on earth ….”  And then, based on what we say to them, their belief system in themselves is being created: “what they believe is what they will become.”

Proverbs 23:7 says that “for as he thinks in his heart, so is he.”  A child often believes or thinks what he has been told, whether it is the truth or not.

As parents, we develop in our children what they will think about themselves.  If we notice and react to our children’s faults right away and then criticize or punish them, we are developing in our children the tendency to be critical about themselves.  Make a commitment to change that.  Actively look for what your children are doing right each day and praise them for it.  When the time comes that you will have to deal with something that they did that was unacceptable, the positive words will outweigh the negative ones.

When you are speaking words of kindness, encouragement, and love, make a point of stopping what you are doing and focus on them.  Have them stop what they are doing too.  Get their attention.  After speaking these words, observe what happens to their demeanor.  They will light up!  It’s as if the most important person in the world (well you are to them) truly believed in them. What could be more important?

Ask yourselves: aren’t your children, in fact, the wisest, kindest, most beautiful and magical humans on earth to you?The answer is clearly “yes”.So let’s speak to them as they deserve to be spoken to!

During All the Gift Giving and Receiving This Christmas, Please Remember the Greatest Gift of All!

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“Thanks be to God for his unspeakable gift.”

2 Corinthians 9:15

While we are all busy giving and receiving gifts this year, we can easily get caught up in the material aspect of Christmas.  As Christians though, it is critical that we remember and celebrate the greatest gift that was ever given to us.  God gave His only Son to us as a special gift!  The scripture verse at 2 Corinthians 9:15 succinctly sums up the reason for the season. 

From my family to yours, Merry Christmas!

Passing on Good Values

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A friend of mine told me about the non-profit organization Foundation for a Better Life and its website www.passiton.com and I wanted to pass on what I have found and learned.   I believe it will be very helpful to parents and children in learning about and promoting good values.

The Foundation is dedicated to passing on good values in our communities through public service campaigns.  Various means of communicating positive values are used such as through videos, billboards, radio messages, and the internet.  Additionally, if you are looking for an inspirational quote, one page on its website is dedicated to that as well.  No matter how you may be feeling, there is an inspirational quote for you to help brighten your day.

A quote from its website explains its mission: “The goal of The Foundation for a Better Life is to offer inspirational messages to people everywhere as a contribution toward promoting good values, good role models and a better life.”  I can’t tell you enough about how impressed I am with this organization and all that it is doing.  Please spend some time on its website – you will not be disappointed!

Teaching Biblical Financial Principles to Your Children

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The concepts of handling money according to biblical principles are very important ones and parents often do not take the time to teach their children about them.  Proverbs 22:6 talks about training your child in the way he should go so that when he grows up, he will not depart from it.  Training your child also involves teaching these financial principles so that he can be a wise steward.  But, of course, you must know and follow these principles yourselves as parents.

In his online article entitled 10 Financial Principles That Are Biblical, author George Fooshee addresses principles that Christians need to know to properly manage their financial resources. Too many Christians are mired in debt and have become slaves to their out of control spending habits.  Knowing and then obeying God’s Word in regard to money management are critical to financial freedom.

The 10 financial principles are:

1. Understand that God is your source.  Philippians 4:19,  Proverbs 8:20-21, and 2 Cor. 9:8 all refer to God being our source - financial and otherwise.  The Christian walk involves putting our trust in Him to provide for our needs.

2. Tithing should be a regular part of our giving.  As Christians, we all understand that we should tithe.  Proverbs 3:9 instructs us to honor God with our first fruits.  But, do we really do it or do we make excuses and believe that God will understand why we have not tithed regularly?  God’s Word should be alive and something that we adhere to every day not just when we want to.

3. Prepare and plan.   Handling our money wisely involves preparation and planning. 

4. Save.

5. Keep out of debt.

6. Do not co-sign.

7. Keep records and set a budget.  From young, children should be taught how to budget. When giving an allowance to your children, for example, enforce the categories of “save”, “spend”, and “tithe” so they learn and put these concepts into practice.

8. Be content with what you have.  For example, if you know that you cannot afford a new vehicle at this time, do not shop for one.  Be content with what you have until you are truly able to afford a new or different one.

9. Work hard.

10. Seek Godly counsel.

As I have said many times before in my blogs, your children are observing what you do and listening to what you say every day.  Training or raising  successful children first starts with you as parents.   

To read more of this article, click here.

Have the Entire Family Commemorate Memorial Day

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Today is Memorial Day.  It is a day that has been set aside for us to honor those who have died in the fight to serve and protect our wonderful country. While it is always fun to dust off the grill and invite friends and family over for one of the first barbeques of the season, let us not forget the important sacrifices behind this holiday.

Teach your children about why Memorial Day is celebrated. If explaining the holiday in a child-friendly manner seems difficult for you, there are several articles online that you can use for assistance.  Also, libraries and bookstores have many age appropriate books.  Once your children understand the reasons behind the holiday, participating in activities will be more memorable and heartfelt.

Here are a few examples of activities that the whole family can participate in before or even after you fire up that grill:

1. Children love crafts. Encourage them to make letters or cards for veterans and families of fallen soldiers. They can then deliver them to the people whom you know, to veterans’ hospitals or Veterans Affairs offices. Feel free to join in on the fun. Crafting can be a great bonding opportunity and give parents the time to address any unanswered questions about the day and any other activities that are planned.
   

2. Visit monuments of fallen soldiers. Some of the most famous in the country are found in Washington D.C. However, if visiting the nation’s capital is not an option, you can always find graveyards and memorials in or around your town to visit.
   

3. Carry flowers to honor the fallen. One of the most appropriate flowers used to pay homage are poppies. In the poem In Flanders’ Fields, poet John McCrae venerated the sacrifice made by those who lost their lives in service during the First World War. He wrote about poppies being in the fields. The flower has been associated with war and remembering the fallen. Explain to your children the history behind the flower and take some to a veterans’ graveyard, memorial, or even to a veteran.
   

4. Go see a Memorial Day Parade. Parades can be such fun to watch. They are not only an excuse to get out of the house, but also a wonderfulopportunity for the entire family to experience a town, city or county coming together to honor and commemorate truly extraordinary people, people who have made the ultimate sacrifice for their country.
   

5. Observe the National Moment of Remembrance. Since December, 2000, the National Moment of Remembrance has been set to begin at 3 p.m. wherever you are in the country. This is a time to for you to stop whatever you are doing and pay your respects.

There are countless other activities that can be done today.  What is important is that you participate in them together as a family and give honor to those who first honored us.

Teaching Kindness and Compassion To Our Children

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Galatians 5:22-23 lists kindness as one of the fruits of the Spirit that we should develop.   In this fast paced world and with all the negative information on television and the internet, it is even more important that we cultivate kindness and compassion in our children.

What are kind acts?  Jesus modeled kindness through such acts as healing the blind and eating with sinners. There are those acts that you can do in your neighborhood or community and those that you can do at home.  One of the acts of kindness that I have done over the years is to help feed homeless persons, not only during the holidays, but also during other times of the year.  Even when I travel, I try to spend time volunteering in some service capacity.

Once I was on a trip to attend a conference in a certain city and arranged for dinner with a friend who lived in that city.  After he picked me up and we were driving to the restaurant, I expressed my concern about how many homeless people were in his city as I felt there were many more as compared to other places I had visited.  My friend commented that I was the only person he knew who actually noticed homeless persons.  I was shocked by his statement.  

Parents can cultivate kindness by having their children volunteer to participate in many activities in their community.  Cleanups in specific areas of town, mowing the lawn for an elderly neighbor, babysitting for a single parent – these are all acts of kindness and compassion.

At home, parents are role models as children imitate them.  Parents should not expect their children to be kind if they are not.  Acts of kindness and words of kindness should be a regular part of a family’s daily ritual.  These include helping carry in bags of groceries; thanking each other for a thoughtful word or gesture; and assisting with a chore or a task.   

As the poem in today’s blog states, kindness and compassion never fail, whether in our communities or in our homes.  It is up to parents to nurture and develop those attributes in their children.

How to Choose a Bible for Your Children

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Do you have a Bible for your children?  Many parents buy story books for their children with stories out of the Bible because they do not believe that their children will be able to understand the Bible.  I continue to encourage parents to buy an actual Bible for their children so that they can begin to read God’s Word for themselves.

In the online article Choosing a Child’s Bible, writer T. Capps provides some excellent guidance in selecting the right Bible for your children.  Important considerations are:

1. Make sure that you purchase a Bible that is the right reading level for your child.

2. Buy a Bible that is the complete Bible, and not just one part.  That way, your children learn from young about the Old and New Testaments.

3.  If the Bible has pictures, ensure that they are accurate and not cartoon characters or scary.  The Bible is not a cartoon book, and children should not think of it as such.

4. Purchase a Bible that has maps and other information to help your children learn more about the time periods.  Maps, timelines, etc., offer assistance to children and make the Bible more understandable.

5. Make sure that the Bible is durable and further consider a cover for it so that it can last many years.

The author makes many more helpful suggestions.  Spend time considering what Bible to purchase as it will be a prized possession for your children for many years. To read the entire article, click here.

Help Your Children To Be Gift Givers and Not Just Gift Receivers

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As we approach Christmas Day, we, as parents, spend a lot of time thinking about and planning what to get our children for Christmas.  We want our gifts to be very special for them.  But consider this: God gave us His Son Jesus as the greatest gift for mankind.  God loves us so much that He is a giver!  During this holiday season, what about spending just as much time and effort teaching your children about being givers of gifts?  

Gift giving involves quite a bit of caring and planning.  First, select someone for whom your children can purchase a gift this Christmas.  That person can be a relative or someone who does not have a family.  Or is there someone in the hospital?

Second, have them find out what the person would like as a gift.  That involves getting to know the person deeply, not just in a casual or random way.  What are this person’s likes and dislikes?  If the person enjoys music, find out what specific kind of music.

Third, gift giving involves taking the time to find and purchase the appropriate gift.  Where can that special gift be purchased?  Is it available online or do you have to actually go to the store to purchase it?

Fourth, the gift should be wrapped with festive paper and ribbons, to make it look colorful, attractive and appealing.  This also takes time to select the specific paper and other ornaments to go on the package and then to carefully and lovingly wrap it.

Fifth, have your children add a special name tag or card to the gift.  Encourage them to use their creativity in creating and drawing the images.  This can be a whole project in and of itself.

Sixth, set aside that special time when your children can give the gift.  Make it unique.   And, remember to carefully observe the response of the person receiving this gift and the tremendous joy it brings.

Your children will remember these exceptional times and gifts.  They will also learn to be generous and to love and care about others, rather than just focusing on themselves.  

When Planning What Gifts to Buy Your Children This Christmas, Remember This: Your Presence is More Important

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As parents, we often spend much of our time planning what presents to buy our children, particularly as Christmas approaches.  Another video game? Another DVD? Music lessons?  Dance lessons?  The newest fad watch?  The list can be endless.  For this holiday season, stop and think about the fact that your children would much rather have time with you than with a gift.

Consider instead planning an activity that will become a family tradition.  Your children will have life long memories of all the fun they had with the family rather than the gift.  Such family traditions can include having the entire extended family over for a meal; or volunteering time together to help the less fortunate; or attending church together.

What about planning a family trip together?  You can select a different location each year.  One Christmas, my sisters and I planned a family trip to a popular theme park.  We rented a large home and our parents and all our siblings and their spouses and children came.  We had such a wonderful time and made enduring memories.  

Also be sure to include some relaxed time.  What about simply going outside and looking at the stars?  Or trying a new recipe for a special desert? Or playing fun games with them?  When was the last time that you were the horse and they rode on your back?

Spending time with your children requires planning.  But, these plans will be the most important and life changing plans you can make. 

Throw a Fun Book Swap Party for Your Children and Friends

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    Book swap parties have become popular events for children and promote reading at the same time.  They are simple to organize and fun to participate in.  And, they are a wonderful way to add new books to your children’s collection without having to pay the cost.

    If you’ve never been to a book swap party, here’s how they usually go.  Pick a date that will work for you, your children, and others.  Have your children select the books that they have already read and would like to swap with other children.  Be sure to explain to them that once the book is swapped, it no longer belongs to them but to the other child.  That way they understand that the book will have a new home. 

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    Encourage your children to write a couple of sentences on an index card or post-it note as to why they liked those books.  This will encourage other children to read the books too.

    The children who are invited should also bring their books to swap.  Plan refreshments and snacks, just as with a regular party.  During the party, the children look at all the books and swap for the ones they want.  For those books that are left over, donate them to your children’s school’s library or the public library.

The Greatest Christmas Gift of All Time

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As we are busy making our plans and buying gifts for our friends and loved ones for Christmas, let us not lose focus about why we celebrate Christmas in the first place.   As Christians, we believe that Jesus was the greatest gift ever given to mankind.  God gave us His only son Jesus so that we could have eternal life.  Why did God do this for us?  John 3:16 gives us the answer: because of His immense love for us.  

The true meaning of Christmas is found in its name: “Christ”, who is Jesus and “mas” which is a celebration.  Christmas is an extremely special day for us.  I encourage you to spend time worshiping Jesus and thanking Him for all that He has done for you and your loved ones.   From my family to yours - have a blessed and peaceful Christmas!

Author Soraya Diase Coffelt