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Is It Child-Approved? The Best Home Buying Checklist When You’re House Hunting with Kids

January 21, 2019 | Leave a Comment

House hunting can be tricky when you have kids. Children are usually very excited when they enter a new home knowing they may soon live in it. It’s not unusual for kids to run and play during a home viewing, making it difficult for parents to watch their kids and view a home.

On the other hands, some kids are upset at the prospect of moving. They love their current living situation and parents must be sensitive to their thoughts and feelings.

All of which can make the home buying process a bit overwhelming. But it doesn’t have to be complicated.

Continue reading, as we’ve created this home buying checklist, with your kids in mind, to help you get through the process a little easier.

Be Strategic About Taking Your Kids to Home Viewings

Realtors suggest leaving kids age nine and under at home with a babysitter or with family.

Younger children are often more difficult to manage and distract parents from a home viewing. Afterward, many parents have trouble remembering important details about the homes they see. Remember, you want to have productive meetings when you see a house so you can make an informed decision about purchasing it.

Older kids are more mature and are fine to bring to home viewings. They can even be very helpful and point out features and concerns you may miss.

If you must bring your younger children, it’s advised to pick and choose which homes you bring them too. For example, you may not want to bring them to view a home still being lived in.

They may open a door and be surprised to see a large dog on the other side. Conversely, they will generally be safe at an open house, especially if it is empty and the owner has already moved out.

Acknowledge Your Children’s Concerns

Moving is an anxious time for everyone, and your kids are no exception. They often do not want to leave their school, friends and extra-curricular activities among other things.

Give your kids a positive picture of their new community. Make sure your real estate agent is willing to stop at schools, parks, churches, sports facilities — even the mall if needed. Another option is to plan family trips to your new community to let your kids see themselves in their new surroundings.

Involve Your Children in the Process

A great way to make your kids feel like a valued part of the decision-making process is to let them search the internet home listings with you. Reduce their frustration by asking them for their feedback on homes. Get their input about what is important to them in a new home and community.

If you’re taking your kids with you to viewings, give them tasks to keep them focused on what lies ahead. For example, your kids may enjoy taking pictures of the homes you view or keeping a detailed checklist of the best features each home offers.

Older kids may enjoy doing internet research about the town, landmarks, population and their best schools. Strong|Edge Realty is a great resource for real estate information.

The objective here is to give your children opportunities to focus on the future and feel connected to the process as well.

Recognize Your Child’s Limits

Most kids get excited when they view a new home. But even the most enthusiastic child can have a hard time with a full day of home viewings.

To that end, it’s usually a good idea to limit yourself to a few viewings per day. If you need to see more homes, consider taking a break at some point to let your child eat or play. We don’t recommend giving your children your smartphone or tablet during a viewing unless they are using educational apps to learn new skills.

Children do not have the same attention span as adults. The more mindful you are of their needs, the more likely they will be easy to accommodate while you are viewing homes.

Home Buying Checklist for Viewing Homes with Children: Wrap Up

Your children are unique and you may think of more items for your family’s home buying checklist.

Buying a home and dealing with children may be challenging, but it’s not impossible. Consider their feelings, keep them involved in the process and give them opportunities to see themselves in their new home and community.

If you found this article helpful, please check out more content with helpful housekeeping information.

Filed Under: KACURP, Money and Finances

7 Tips for Selecting the Best Lunch Box for Your Kids

January 14, 2019 | Leave a Comment

Colorful red plastic kids lunch box filled with healthy food including fresh vegetables, a wholewheat ham sandwich and Rolex Roll on chappati with a fresh apple alongside

Is your kid too cool for a lunch box, making it difficult to find a container to carry his midday meal? Maybe you’re concerned about the items being kept cold enough for consumption.

Whatever your issues in finding the best lunch box for your child is, you can bet that there is a solution available! We are going to take a look at several tips for finding a lunch box that will keep your little one happy, safe, and healthy.

Additionally, we will attempt to put to rest any worries you may have about this helpful nutritional tool. Keep reading for more information!

1. Aesthetics Matter

School children can be quite judgemental over trivial things like lunch boxes. Allowing your child to choose a design that appeals to them may limit any bullying that may take place.

Also, if your child is proud of their lunch box, you will be met with far less resistance when it comes time to go to school.

If you aren’t against using ice packs to keep the lunch cold, consider a vintage lunch box. You may even find one or two that you want for yourself!

2. Structurally Sound

Many children stuff their lunch boxes into their book sacks or other random nooks and crannies. If the box is well-made, it will be able to stand up to this abuse.

If a solid lunch box seems more expensive than the others, remember that they will hold up to a full school year, and maybe even some summer trips. You don’t necessarily have to purchase a hard-sided lunch box to see these benefits either. You may just have to opt for sturdy materials.

Other considerations that should be made as far as the structure is concerned is the number of pockets or dividers you’d like, and whether you’d like to place items side by side or stack them.

3. Contain Spills

Unfortunately, because of the amount of abuse a lunch box will take, it is likely that a drink, sauce, or some other liquid will spill. Luckily, because these containers are small, they are relatively easy to clean.

Do you know what’s not easy to clean?

An entire backpack filled with important papers, report cards, text and workbooks, and school supplies. Triple check your child’s lunch box to ensure that it will self-contain any spills that may occur.

Aside from keeping spills contained within the lunch box, read the labels before you purchase to find out the best way to clean the box. Some might have the ability to be tossed in with your laundry, while others may simply need to be wiped down with a cleaning solution or soap and water.

4. Insulation Is Important

Keeping food cold can be difficult. If you choose to use ice packs, you may end up with a few damp napkins, but the food will likely be safe. Choosing an insulated lunch box will do that much more to ensure your child’s food safety.

Depending on the style of lunch box that is chosen, you may be able to freeze the lunch pack the night before and opt out of ice packs altogether.

Another idea for keeping your child’s lunch cold can include using stainless steel containers, frozen prior to packing and freezing a water bottle the night before. The water will act as an ice pack and provide your child with a lunchtime beverage.

5. How to Carry

Some lunch boxes may only have a handle, while others may include a strap or carabiner to attach it to other various items. If your child has a lot of things to carry to and from school, attaching the lunch box to a bookbag could be important.

Look at the stitching of any handles to ensure that the box will be able to carry a full meal without the potential of breaking. Also, know that it isn’t unheard of for children to swing their lunch boxes or horse around–potentially breaking or tearing the material used to hold things in place.

6. Size Matters

You don’t want your child to go hungry while at school–which means you will want to pack a hearty lunch. However, if you choose a lunch box that is too small, you may end up with a packing nightmare each day.

Instead of choosing a lunch box that you believe is ‘just right’ in size, go for bigger than what you think you’ll need. After all, it is better to have a bit too much room than not enough.

While we’re talking about sizing and packing, take a look at how the lunch box will close. Does it zip, snap, or fold? This question will help you determine whether the container is age-appropriate, how well it can contain spills, and possibly how well it will keep food cold.

7. Environmentally Friendly Options

There are plenty of lunch boxes available that include small containers for packing. These small containers are both environmentally friendly and less costly than using disposable packing.

Generally, reusing your child’s lunch packing materials may take a bit more time but will end up saving you a fair amount of money. You will end up buying far fewer plastic baggies, which will also mean less plastic in landfills.

The Best Lunch Box? One You Love

Although there are plenty of tips on how to choose the best lunch box, it comes down to what works for you and your child. Ideally, the lunch box should keep food safe and contain spills.

However, if the lunch box itself isn’t designed to stay cold, ice packs can be used, and if spills happen, they can be cleaned. The most important part of a lunch box is that your child actually eats the meal you pack. If it’s in a 50’s cartoon lunchpail, so be it!

If you’d like some ideas of what to pack in your child’s lunch (or your lunch, for that matter,) take a minute to check out our budget-friendly meal planning resources!

Filed Under: KACURP, Money and Finances

What Happens If You Struggle to Pay Your IVA

December 11, 2018 | Leave a Comment

struggle to pay your IVA

Once you’ve entered into an IVA you’ll be aware that it’s legally binding between you and your creditors for a period of 4-5 years.

Whilst your chosen Insolvency Practitioner will have discussed your long-term intentions and plans things sadly can (and do) go wrong – including not being able to pay.

Your commitment to pay the set monthly amount to your Insolvency Practitioner can occur for a number of reasons, with one of the most popular one being unemployment.  Of course, you might not have planned on losing your job (for whatever reason) when you first entered into the IVA but redundancies and job losses are often a sad fact of life.

What should I do if I can’t pay?

The first thing to do is to contact your Insolvency Practitioner and explain the reason why you’ll be unable to meet your monthly payment. By now you should understand what an IVA is and how it works.

If you miss a payment then you’ll probably be sent a ‘notice of breach’.  This will ask you why payment hasn’t been made and will ask how you intend to rectify the situation.  It’s important to engage with your Insolvency Practitioner as quickly as possible so that you can work together to find a solution.

What if I just don’t pay?

If you fail to pay within a reasonable period of time (usually 2 or 3 months) then your IVA can do one of three things:

  1. They can change the terms of the IVA.  For example they might look to lower the repayments if you’ve explained your current circumstances and reasons for non-payment.
  2. They can end your IVA and issue a certificate of termination.
  3. They can apply to the Court to make you bankrupt.  This course of action can lead to serious consequences and it’s important you take timely advice if this is looking likely to happen.

Can my Insolvency Practitioner help in any way?

Yes – but only if you get in touch with them straightaway.  He or she may be able to give you a payment break for a few months by relying on the IVA Protocol.  This is a voluntary code of practice which all practitioners and most creditors have now signed up to.  The key aim of the protocol is to ensure that all IVA company’s processes are clear and fair.

If you’re eligible for a payment break then the length of your IVA will simply be extended to cover any payments you might have missed.  The length of any payment break will depend on when your IVA was set up.  If, for example, it was set up after 1st January 2016 then you’ll be entitled to a maximum period of 9 months.

The most important thing – whatever the reason for non-payment – is to seek advice from your Insolvency Practitioner as soon as possible.  Remember, if for any reason your IVA fails (i.e. due to non-payment) then you’ll have to find other means of repaying your creditors and also find the means of repaying your Insolvency Practitioner under the terms of your agreement.

Filed Under: KACURP, Money and Finances

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