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Why Women Don’t Want to ‘Have It All’ Anymore

April 16, 2025 | Leave a Comment

Woman pausing in a busy day
Image Source: Unsplash

In the late 20th century, the phrase “have it all” was championed as the ultimate life goal for women, particularly working mothers. Balance a soaring career, raise accomplished kids, maintain a spotless home, and keep a vibrant social life on the side. Yet today, many women are quietly, and sometimes openly, rejecting that notion.

They’re asking: “At what cost?” Overcoming mom burnout and unrealistic standards, they’re focusing on sanity, sustainability, and self-worth over an outdated ideal of ultimate multitasking.

The Burnout Behind the “Have It All” Myth

Let’s begin with the obvious culprit: burnout. The idea that women can flawlessly excel at both work and parenting doesn’t just raise expectations—it fuels a cycle of stress. According to a recent analysis by the Chartway Promise Foundation, this concept of “doing it all” has led many women to juggle disproportionate amounts of household and professional work.

The result? Emotional fatigue and the sense that life is just one endless task list, rather than a journey of growth.

It’s not that women lack ambition—far from it. But pushing through chaos in the name of “having it all” often leads to chronic overwhelm. Rather than thriving, many find themselves simply enduring. By stepping back, they’re reclaiming balance and mental well-being.

The Trap of Perfectionism

Perfectionism is the quiet companion to “having it all.” We see it in Instagram-worthy birthday parties and endless attempts to keep up with work emails in the middle of a child’s soccer game.

Expecting to be a perfect mom and a perfect employee simultaneously can turn daily life into a hamster wheel you can’t exit. That’s when self-care and joy slip away. Recognizing that you don’t need to excel 24/7 is often the first step toward real confidence and emotional health.

Career Choices Shaped by the Struggle

Some women respond to these pressures by changing their work-life trajectory—downsizing responsibilities, choosing flexible roles, or transitioning to part-time schedules. Others opt out of motherhood entirely, citing the difficulty of balancing it all.

A Harvard Business Review article underscores how some high-achieving professionals realize the conventional path simply isn’t worth the trade-offs. These choices aren’t failures; they’re smart, intentional strategies for protecting well-being and redefining success.

Woman juggling remote work at home
Image Source: Unsplash

When Work and Home Collide

The concept of work-life “balance” can feel like a tug-of-war, especially for those in high-stakes careers. Frustration emerges when the load of parenting and job responsibilities intersects with deep social expectations.

The unrelenting stress of school drop-offs, evening conference calls, and household chores fosters a desire to exit the “have it all” mindset. It’s not that these women are less capable—it’s that the system rarely provides the support structures needed for them to succeed in both domains without hitting burnout.

Redefining Success on Their Own Terms

Moving away from “have it all” doesn’t indicate a lack of ambition. Rather, it’s a clearer, more personal definition of success. With flexible work, remote opportunities, and shifting cultural perceptions, women can tailor their professional and personal lives far beyond the old 9-to-5 plus motherhood routine.

A McKinsey & Company study on Women in the Workplace shows that women increasingly choose roles aligning with genuine personal growth and autonomy, not just a job title. The difference? They’re no longer letting the “have it all” narrative define or limit their sense of achievement.

Invitation to a More Honest Dialogue

Rejecting the myth of “have it all” encourages a more genuine conversation among mothers—and parents in general. Being open about feeling stretched or exhausted doesn’t mean you love your children any less. It means you’re brave enough to acknowledge your own emotional and physical limits.

By discussing these pressures candidly, moms can find solidarity, share coping strategies, and push for societal changes—like better parental leave or more flexible work policies.

What Are You Choosing Instead?

More women today are choosing to trade burnout for balance and guilt for grace. It’s not about giving up or scaling down goals—it’s about selecting which goals genuinely serve their family’s happiness. Whether focusing on building a supportive home life, prioritizing mental health, or selectively pursuing work that nourishes them, these decisions shape a new standard of living well.

Have you felt the pressure to “have it all”? Share your perspective in the comments. Telling your story might help another mom realize she’s not alone—or find the courage to let go of what no longer serves her family or well-being.

Read More:

  • Planning for a Baby
  • Thinking About Home Again

Samantha Warren
Samantha

Samantha Warren is a holistic marketing strategist with 8+ years of experience partnering with startups, Fortune 500 companies, and everything in between. With an entrepreneurial mindset, she excels at shaping brand narratives through data-driven, creative content. When she’s not working, Samantha loves to travel and draws inspiration from her trips to Thailand, Spain, Costa Rica, and beyond.

Filed Under: Parenting Tagged With: child development, Kids, Mental Health, Parenting, parenting advice, parenting tips

Playground Dangers: 8 Pieces of Playground Equipment That Could Seriously Injure Your Child

April 6, 2025 | Leave a Comment

playground equipment
Image Source: 123rf.com

Playgrounds are meant to be fun and safe spaces for kids to explore and burn off energy. But not all equipment on the playground is as safe as it seems. Every year, thousands of children are treated for injuries related to swings, slides, monkey bars, and more. While supervision is key, knowing which equipment poses the highest risks can help you prevent accidents. Some older or poorly maintained equipment can become even more dangerous over time. Here’s a list of eight playground features that could put your child at risk.

1. Monkey Bars

Monkey bars may look fun, but they’re a top source of playground-related injuries. Kids often fall from high distances while swinging or skipping bars. These falls can lead to broken arms, concussions, or even spinal injuries. Children under five are especially vulnerable due to their limited upper body strength. Wet or rusted bars can increase the risk of slipping. Even strong climbers are at risk if other children bump into them mid-swing.

2. Swings

Swings may seem harmless, but they’re one of the most injury-prone pieces of equipment. Kids can be hit by a moving swing if they walk too close. Falls from high swings can result in sprains, fractures, or worse. Improper seat design or chains that pinch skin also present hazards. Double swings, where two children ride together, can increase the chance of collisions. Always check the surrounding area to ensure it’s clear before letting your child use a swing.

3. Metal Slides

Metal slides can become scorching hot in the summer sun, causing serious burns. Even when not hot, slides still pose risks due to high speed and poor landing zones. Younger children often slide down too fast or tumble forward at the bottom. Clothing can catch on the edges or joints of older slides, increasing the chance of injury. Slides that are too tall or steep are particularly dangerous for toddlers. Look for slides with smooth transitions, guardrails, and shaded placement.

4. See-Saws (Teeter Totters)

See-saws can be fun, but they require careful coordination between children. A sudden dismount by one child can send the other crashing to the ground. Pinched fingers and tailbone injuries are common if children don’t hold on properly. Poor design or uneven weight between kids can throw off balance. Older wooden see-saws may have splinters or loose bolts. Younger children may not have the strength or awareness to use them safely.

5. Merry-Go-Rounds

Merry-go-rounds are among the most dangerous equipment due to their spinning motion and potential for ejection. Kids can fall off while it’s spinning or be dragged underneath if they lose grip. Rapid spinning by older children can overwhelm younger kids. Loose clothing or shoelaces can also get caught in the moving parts. The speed and momentum can cause serious head and limb injuries. If there’s no proper handhold or braking mechanism, the risk increases significantly.

6. Climbing Nets and Rope Structures

Climbing nets might appear safe due to their flexible nature, but they come with hidden dangers. Kids can easily slip through wide gaps and become tangled in ropes. Falls from high rope towers can lead to fractures or head trauma. Over time, ropes may fray, snap, or become loose if not properly maintained. Children’s feet can also get caught, causing twisted ankles or worse. Supervision is essential, especially for younger kids on tall or complicated rope structures.

7. Spring Riders

Spring riders look cute and harmless, but can be deceptive. These ride-on toys often have strong recoil that can throw smaller kids off. Older models with exposed springs can pinch fingers or catch clothing. If the base becomes unstable, the rider can tip over completely. Children sometimes attempt to stand or jump on them, increasing the danger. Injuries from falls or improper use are common with this equipment.

8. Tire Swings

Tire swings can spin and swing in unpredictable ways, increasing the risk of collision. They often hang low, creating a tripping hazard when not in use. Kids can hit support poles or other children while swinging. Rainwater inside the tire can become a breeding ground for bacteria. The surface of the tire can also become slippery or brittle over time. Falls and impact injuries are frequent with tire swings, especially on hard surfaces.

Stay Informed, Stay Safe

Playgrounds are a vital part of childhood, but they aren’t risk-free. Knowing which equipment poses the greatest danger helps you make smarter decisions for your child. Regularly inspect playgrounds for worn-out structures, sharp edges, or unsafe surfaces. Encourage safe play, set age-appropriate boundaries, and always supervise. The safest playground is one where fun and caution go hand in hand. A little awareness today can prevent a serious injury tomorrow.

Read More

  • 10 Classic Boy Names You Won’t Hear on Every Playground
  • 7 Strange Clues That Someone Might Be Watching Your Children

Filed Under: Safety Tagged With: Kids, Parenting, playground, playground equipment, Safety

7 Birthday Gifts Your Child Should Never Bring to a Party

April 6, 2025 | Leave a Comment

birthday gifts
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Birthday parties are exciting moments for kids, but gift-giving can quickly become awkward if the wrong present shows up. Whether it’s due to safety concerns, age-appropriateness, or just plain mess, not every toy or item belongs in a party bag. Well-meaning parents may unintentionally pick gifts that lead to problems for the birthday child, their parents, or other guests. Choosing thoughtful, fun, and appropriate gifts is part of teaching kids how to celebrate others respectfully. While it’s tempting to grab whatever is trending, a little extra thought goes a long way. Here are seven types of gifts your child should never bring to a birthday party.

1. Loud or Noisy Toys

Toys that light up, blast music, or make animal sounds may seem fun, but they can be a nightmare for parents. Noise-making toys are often played with repeatedly, creating stress in the home. They may even lead to arguments between siblings or constant requests to “turn that thing off.” While kids love them at first, they tend to lose appeal quickly or cause sensory overload. Parents often end up hiding or donating them soon after the party. Unless you’re asked to bring one, skip the noise-makers.

2. Toys With Tiny Pieces

Small parts are dangerous for toddlers and younger siblings who may be present in the home. Gifts like building sets with dozens of miniature components can be choking hazards. Even for older kids, these toys are easy to lose, causing frustration and a mess. Think twice before gifting something that spreads across the floor or gets stuck in vacuum cleaners. They may require adult supervision that busy parents weren’t planning on. A gift shouldn’t create extra cleanup work or safety risks.

3. Messy Craft Kits

Slime-making kits, paint sets, glitter bombs, and other messy crafts are best left for home use—not birthday surprises. While creative, these gifts often lead to stained furniture, ruined clothes, and sticky floors. Parents may not be prepared or equipped to deal with the mess. It also puts pressure on them to supervise or clean up later. If you want to give something crafty, consider no-mess sticker sets or color-by-number books. The goal is to be thoughtful, not stressful.

4. Expensive or Over-the-Top Gifts

Buying an expensive gift might seem generous, but it can create discomfort for the birthday child’s family and the other guests. It sets unrealistic expectations and may leave other kids feeling like their simpler gifts aren’t good enough. It also runs the risk of overshadowing the celebration itself. Gift-giving at parties should be fun, not a competition. Stick to budget-friendly gifts that match the family’s culture and values. It’s not about the price—it’s about the gesture.

5. Gifts Meant for Much Older Kids

It’s easy to accidentally grab something that looks fun but isn’t age-appropriate. Books, games, or toys meant for teenagers may confuse or frustrate a younger child. If the child can’t enjoy the gift right away, it loses its impact. Always check the recommended age on the packaging or ask the host for ideas. Giving something the child can’t use yet may lead to disappointment. Age-appropriate gifts are more enjoyable and safer.

6. Duplicate Popular Toys

With trending toys, there’s always a chance that multiple guests bring the same one. Duplicates often end up unused, re-gifted, or returned, which can be disappointing for both giver and receiver. It also may take the excitement out of gift-opening if the child sees the same toy multiple times. To avoid this, consider personalized gifts or ask the parent what the child already owns. A little research can go a long way. Being original makes your gift more memorable.

7. Gifts With Batteries—But No Batteries Included

Few things are more frustrating than opening a cool toy only to find it can’t be used right away. If your gift needs batteries, always include them—or pick something else. Kids get excited to play immediately and will be disappointed if they have to wait. This small oversight can ruin the moment and create extra errands for the parents. It’s a detail that’s easy to overlook but important to remember. If it makes noise or lights up, make sure it’s ready to go.

Make It Thoughtful, Not Troublesome

When picking a birthday gift, your goal should be to add joy, not stress, to the celebration. Think about the child’s interests, the family’s lifestyle, and how the gift will be used after the party is over. Avoiding noisy, messy, or age-inappropriate presents shows respect for everyone involved. Thoughtful gift-giving also teaches your own child how to celebrate others with care. Simple, useful, or creative gifts often end up being the most loved. A little planning helps your gift be the one that makes them smile—not sigh.

Read More

  • Saving Money on Kids Birthday Parties
  • How to Plan an Epic Party: 10 Cheap Birthday Party Ideas You’ll Love

Filed Under: Parenting Tagged With: birthday gifts, birthday parties, Kids, Parenting

7 Reasons You Shouldn’t Post Pictures of Your Young Children Online

March 25, 2025 | Leave a Comment

A Group of happy children in studio gray background
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In today’s digital age, sharing pictures of our children on social media feels as natural as breathing. Proud parents want to celebrate milestones, vacations, and everyday moments with friends and family. However, posting images of young children online isn’t always as harmless as it seems. The digital landscape holds hidden dangers that can pose real risks to your child’s safety and future. Before hitting “upload,” consider these seven important reasons to reconsider sharing your child’s pictures online.

Every photo posted online creates a permanent digital footprint that is nearly impossible to erase. What seems like a cute snapshot might end up affecting your child’s reputation later in life. From unwanted attention to potential misuse of images, the risks extend far beyond the immediate moment. As technology advances, so do the threats to privacy and security. Protecting your child starts with being mindful about what you share online.

1. Loss of Privacy

Once an image is online, it becomes accessible to a global audience. This loss of privacy means personal family moments can be viewed by strangers without your control. The digital space offers no guarantees that your child’s image won’t be misused. Every shared photo increases the chances of personal information being extracted. It’s vital to protect your child’s privacy by carefully choosing what gets posted.

2. Risk of Identity Theft

Sharing identifiable details alongside photos can make your child a target for identity theft. Cybercriminals are adept at gathering personal information from social media. Once your child’s data is out there, it can be exploited in harmful ways. This risk is particularly concerning given the long-term implications for their future. Safeguarding their identity means exercising caution in what you share.

3. Exploitation by Strangers

Images of children online can attract dangerous individuals with harmful intentions. Even well-meaning posts can be appropriated for exploitation or harassment. Strangers might use these photos to construct false identities or for nefarious purposes. The vulnerability of a child’s image in the digital world is a serious concern. Limiting public exposure is key to keeping your child safe.

4. Digital Footprint Concerns

Every picture adds to a digital archive that follows your child throughout their life. This permanent record can resurface at any time, often in unintended contexts. Future employers or academic institutions might discover these photos, affecting their opportunities. A negative digital footprint can have lasting consequences. It’s important to manage your child’s online legacy with care.

5. Online Bullying and Harassment

Teenage Girl Victim Of Bullying By Text Messaging

Image source: 123rf.com

Photos shared online can become targets for cyberbullies and trolls. Children may face hurtful comments or even harassment based on their online presence. The anonymity of the internet can amplify negative behavior, causing lasting emotional harm. Such bullying experiences can affect their self-esteem and mental health. Avoiding public posts helps shield your child from potential digital abuse.

6. Consent and Autonomy Issues

Young children cannot give informed consent for having their images shared online. By posting without their permission, you’re defining their digital identity for life. This lack of control over their own image can lead to regrets when they are older. Allowing children to decide later about their online presence fosters autonomy. Respecting their future consent is an important aspect of responsible parenting.

7. Commercial Exploitation

Images of children are sometimes scraped and used by companies without consent. Your child’s photo might end up in marketing campaigns or on commercial websites. This commercial exploitation removes control from the family and exposes the child to unforeseen risks. The financial motivations behind such actions can be unsettling. Limiting online sharing is a key step in protecting your child’s image from misuse.

Reconsider Sharing Kids Photos Online

Reconsidering the sharing of your child’s photos online is a step toward protecting their privacy and safety. Weighing the benefits against potential long-term risks is essential in today’s digital landscape. Parents must strike a balance between sharing precious moments and safeguarding personal data. Thoughtful online behavior can significantly reduce exposure to various digital threats.

What practices do you follow to protect your child’s digital privacy? Share your tips in the comments!

Read More: 

 10 Hidden Dangers of Social Media Every Parent Should Know

Drowning Prevention Tips for Parents with Young Children

Filed Under: Parenting Tagged With: children online, exploitation by strangers, Kids, loss of privacy, Parenting, posting pictures

7 Lessons from Kids That’ll Change How You See the World

March 10, 2025 | Leave a Comment

7 Lessons from Kids That’ll Change How You See the World
Image Source: Pexels

Although kids aren’t usually viewed as a source of wisdom, they embody many positive traits that adults may lose along the way. Children often have a more exploratory mindset than adults and approach life with greater curiosity. Observing them can teach us a lot about the world and change how we see things. From childhood imagination to the value of play, here’s what adults can learn from kids. 

1. The Value of Play 

The Value of Play
Image Source: Pexels

For kids, playing isn’t just a fun pastime—it’s a key part of a healthy lifestyle. Games and pretend play contribute to children’s social, emotional, and cognitive development. Childhood activities like making forts and skipping rocks help kids explore their environment, build confidence and motor skills, learn to solve problems, and more. Hanging out with friends is also crucial, enabling kids to deepen their understanding of language and relationships. 

The value of play is what adults can learn from kids. We tend to view play as a recreational or leisure activity. But it’s important for us to carve out time to play for our own well-being. Activities like rollerblading, coloring, and playing board games relieve stress and boost our creativity. Incorporating play into your routine can help you become a better problem-solver and happier version of yourself. 

2. Enjoy the Little Things

Enjoy the Little Things
Image Source: Pexels

Kids are excited about everything, from a trip to the grocery store with mom to a cool leaf they found on the sidewalk. They approach daily life with a sense of wonder and curiosity that adults usually lose along the way. What adults can learn from kids is how to value the little things. Kids are eager to soak up all the experiences they can and are enthusiastic about seemingly trivial events like show and tell at school. 

Adults usually don’t feel that level of happiness and excitement unless we’re experiencing a big milestone, like taking a trip or getting a promotion. But we can try to increase our capacity for joy by being more mindful and grateful for everyday pleasures, such as our morning cup of coffee or a beautiful sunset. 

3. Love of Reading 

Love of Reading
Image Source: Pexels

For most kids, a bedtime story is a favorite nightly ritual that cannot be missed. Reading to your children is a crucial part of childhood development and fosters curiosity. Once kids start reading themselves, they’re truly off to the races. 

Unfortunately, for many adults, reading often stops once there aren’t assignments required for school. But reading is necessary for professional and personal development. Nonfiction can help you upskill and deepen your knowledge of your industry, while fiction allows you to get lost in a story and relieve built-up stress. 

4. Try New Things

Try New Things
Image Source: Pexels

Kids dive headfirst into new adventures, from trying new foods to visiting unfamiliar places. Studies have shown that kids are more exploratory than adults, which helps them learn new things. Adults are often more closed off to new experiences. 

We may have a hard time leaving our comfort zone due to fear of failure or discomfort. We get stuck in a rut and stick to our familiar routines instead of taking a chance. But as they say, variety is the spice of life! So the next time you have the opportunity to try a hobby or meet new people, approach the experience with an open, curious mindset just like a child would.

5. Importance of Helping Others 

Importance of Helping Others
Image Source: Pexels

What adults can learn from kids is the importance of helping others. Researchers have discovered that kids can be kinder and more willing to help others than adults. Children as young as 14 months old will go out of their way to assist someone who’s struggling, even if they have to pause a favorite activity to do so. 

Kids don’t seem to be as motivated by rewards as adults—they just enjoy being helpful and nice to others. Although adults are often busy with work and family commitments, carrying out a random act of kindness every now and then can improve our emotional and physical health. 

6. Celebrate Accomplishments

Celebrate Accomplishments
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When kids create a new drawing or finish a worksheet, they’re always eager to display it on the fridge proudly. As adults, we’re often afraid to toot our own horn and celebrate our accomplishments. We’re worried about seeming vain, so we downplay our skills and abilities. 

But it’s important to acknowledge your talents and achievements, both big and small. Rewarding or praising yourself for a job well done boosts your self-esteem and motivation, and even helps prevent burnout according to Forbes. So don’t forget to pat yourself on the back the next time you achieve a goal! 

7. Believe in Possibilities 

Believe in Possibilities
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When asked what they want to be when they grow up, young children come up with some pretty wild answers. They believe they can be anything, from YouTubers to superheroes. Along the way, adults lose this sense of possibility and learn to be more realistic. However, dreaming about the future and remaining open to new opportunities is good for our well-being. Envisioning a bright future gives us the hope and motivation we need to pursue our goals. 

What have you learned from your kids? Share your experience in the comments! 

Vicky Monroe headshot
Vicky Monroe

Vicky Monroe is a freelance personal finance writer who enjoys learning about and discussing the psychology of money. In her free time, she loves to cook and tackle DIY projects.

Filed Under: Growing Up Tagged With: education, Kids, Life Lessons

10 Times Kids’ Stupid Mistakes Wrecked Their Parents’ Finances

February 14, 2025 | Leave a Comment

Kids mistakes that wreck family finances
Image Source: Pexels

Some types of kids’ mistakes are easy to laugh off, such as the DIY haircuts children give each other when they discover the kitchen shears. However, other mishaps and accidents can have real financial consequences for families. For example, parents may be saddled with serious costs if their kids cause property damage at a neighbor’s house or make unauthorized, nonrefundable purchases. To help make you aware of potential financial risks, here are 10 common kids’ mistakes that could cost you serious money. 

10 Kids’ Mistakes That Cost Their Parents Serious Money

1. Game Microtransactions

Gaming microtransactions
Image Source: Pexels

One of the most common and costly kids’ mistakes is game microtransactions. Over the years, there have been many reports of children buying thousands of dollars of in-game content. For example, a six-year-old in Connecticut racked up a $16,000 bill in a mobile game called Sonic Forces: Speed Battle. His mom initially noticed the problem after $2,500 was charged to her credit card. 

However, when she contacted her credit card company, she was told that the charges were probably fraud-related. Because she believed she was being scammed, she didn’t question her son about the charges, which continued to mount. 

By the time everyone realized what was happening, her son had run up a $16,000 bill. Unfortunately, the 60-day refund window had passed, leaving her responsible for the microtransactions. Yikes! 

To prevent this from happening to you, remember to enable parental controls that block in-app purchases and remove your credit card information from your devices. 

2. Property Damage 

Kids’ mistakes can also cause extensive property damage. Football star Tyreek Hill’s South Florida home, which he purchased for $6.9 million, was damaged in an accidental fire. Reportedly, a child playing with a lighter in one of the bedrooms started the blaze, which primarily engulfed the attic. Luckily the family made it out safely and no one was injured. 

Although insurance covers property damage, homes hold many sentimental memories and belongings that often can’t be replaced. So it’s tragic when children’s unintentional mishaps cause fires. 

3. A $4,000 Amazon Order 

Amazon orders can be kids mistakes
Image Source: Pexels

Nowadays kids are so tech-savvy that a 5-year-old figured out how to place a massive Amazon order, costing her parents thousands. According to Today.com, Lila asked her mom for her phone one night to play some games. But instead, Lila actually logged into Amazon and went on a huge shopping spree. 

She bought nearly $4,000 of merchandise using a saved credit card, including multiple dirt bikes and pairs of women’s cowboy boots. Her mom canceled the orders that hadn’t shipped yet, but several huge boxes still showed up at their door a few days later. 

Fortunately, this was one of the kids’ mistakes that was reversible. All of the Amazon sellers agreed to take back the merchandise and issue refunds. Some parents aren’t so lucky and end up saddled with unreturnable products. 

When Lila’s parents asked why she pulled this stunt, she simply said “I wanted it and I got it.” Hopefully, this sassy little shopper has learned her lesson and won’t put her parents in financial jeopardy again! 

4. Roughhousing 

Another common kid mistake is roughhousing. Children can get carried away while playing and forget their own strength, which sometimes results in injuries. If you leave your child unsupervised and cause harm to a peer, you could be responsible for the injured party’s medical bills. However, there are usually caps on how much money parents can be held liable for. 

5. Unauthorized Donations 

Tweens and teens have also made costly kids mistakes that messed up their family’s finances. According to Screen Rant, one teenager donated nearly $20,000 of his family’s savings to popular Twitch streamers. Luckily the parents were able to contact Twitch’s payment processor and get the vast majority of the money refunded. 

However, the situation was a big logistical headache. It was hard to get in touch with anyone who could help, and some of the funds couldn’t be recovered, causing financial losses. Although this teen definitely should’ve known better, younger children also use Twitch, so parents argue that the platform needs better fraud detection methods. 

6. Memecoins 

Memecoin kids financial mistakes
Image Source: Pexels

Another financial kids’ mistake parents should be aware of is selling memecoins. These are cryptocurrencies that are created for fun or as a joke. One teen made his own memecoin and bought a large percentage of the shares. 

Unexpectedly, the coin surged in value, prompting the teen to cash out and earn tens of thousands of dollars in an evening. However, many other investors lost money on the coin because the teen sold his entire supply at once, causing the value to plummet. Although this incident didn’t cost his parents any money, they received angry messages on social media from disgruntled investors. 

Kids can easily be convinced to create or buy memecoins and end up on the losing end of the transaction. So make sure to closely monitor your child’s online activity so they don’t get taken in by crypto schemes. 

7. Accidental Cable Purchase

Did you ever buy a pay-per-view movie without your parent’s permission? Even today, kids are still making unauthorized cable purchases, including a 2-year-old who accidentally bought an NBA League Pass. 

While playing with the remote, she clicked just the right combination of buttons to purchase a pricey $200 cable add-on. Sadly, her dad wasn’t able to get the charge reversed, leaving him on the hook for a hefty unexpected expense. To prevent future mishaps, he added password purchase protection to his TV. 

8. Online Auction Gone Awry 

Online auctions kids bidding
Image Source: Pexels

Kids can also get into trouble with online auctions. A 14-month-old little girl gained access to her father’s eBay account on his phone. She placed a bid on a vintage car and ended up winning the auction for $225. Her dad’s first reaction was to panic and ask the seller to cancel the transaction. 

Although the seller was willing to release him from the deal, he ended up deciding to keep the vehicle. He started working on it as a project car and hopes to give it to his daughter when she’s old enough to drive. While this purchase didn’t necessarily wreck her family’s finances, the car repairs will likely cost them thousands, making it an expensive kids’ mistake.

9. Damage to Neighbor’s Property 

Another common kid mistake that puts strain on the family’s finances is vandalism. Some children act out their frustration on others’ property, resulting in hefty bills for their parents. One Reddit user’s glass greenhouse was broken by an unruly neighborhood child, resulting in nearly $3,000 in damages. 

10. Huge DoorDash Orders

Kids mistakes DoorDash
Image Source: Pexels

The final kid mistake we want to highlight is placing an accidental food order. A Texas mother left her phone unlocked, allowing her 2-year-old son to gain access to her DoorDash account. Somehow he clicked the right combination of buttons to order 31 cheeseburgers from McDonald’s. He also left a generous 25% tip for the driver, which brought the total to a whopping $91.70. 

His mom said the incident was funny because no one in the family likes cheeseburgers. She made a post on a local Facebook page to explain the saga and offer up the burgers for free. Her story ended up going viral and was even covered by CNN.

Have your children ever made any mistakes that had negative financial consequences? Share your stories in the comments.

Vicky Monroe headshot
Vicky Monroe

Vicky Monroe is a freelance personal finance writer who enjoys learning about and discussing the psychology of money. In her free time, she loves to cook and tackle DIY projects.

Filed Under: Money and Finances Tagged With: Kids, money, playtime disasters

Daycare Vouchers in Florida: 7 Things You Need to Know to Apply Today

February 7, 2025 | Leave a Comment

How to get daycare vouchers in Florida
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If you’re struggling with the high price of childcare, you may be wondering how to get daycare vouchers in Florida. The annual cost of daycare in the state tops $9,000, so many parents and guardians need assistance to be able to afford it. That’s where the School Readiness Program comes in, which provides childcare subsidies based on your household size and income level. Here are 7 things you need to know about the process to apply today.

How to Get Daycare Vouchers in Florida 

Answering your questions about how to get daycare vouchers in Florida
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Understand the Program 

Before we dive into how to get daycare vouchers in Florida, let’s go over how the program works. Childcare assistance is usually provided through the School Readiness Program. It helps families of kids aged birth to five afford childcare by offsetting the cost. You’ll still be responsible for a copay (check out a sample fee schedule here), which varies depending on factors like the county you live in and the age of your child. But the copay is much more affordable than the full, unsubsidized price of daycare. 

Determine Your Eligibility 

Wondering how to get daycare vouchers in Florida? First, you need to determine whether or not your family is eligible for assistance based on your income and number of children. To qualify for subsidies, your earnings must be at or below 150% of the federal poverty level for a household of your size. This FPL calculator can help you figure out where your family stands. 

Additionally, there are work requirements parents and guardians have to meet. You must be employed at least 20 hours per week or attend school and take 12 or more credit hours to qualify. 

Submit Your Application 

Here's how to get daycare vouchers in Florida
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Applications for the School Readiness Program are handled by each county’s Early Learning Coalition. You can use this directory to find your ELC’s location and contact information. Many offices allow you to apply for the program in person. But you can also submit your application online through Florida’s Early Learning Family Portal. Don’t forget that there are a few required documents you must send in with your paperwork, including your child’s birth certificate and proof of income, residency, and employment or school enrollment.

Waiting Lists

Sometimes there’s too much demand for childcare assistance at once. When this happens, the county starts a waitlist and ranks families based on factors like the application date, the age and ability of the child, and the level of financial need. The ELC often prioritizes at-risk children and kids with special needs. 

It’s important to note that once you’re on a waiting list, you must revalidate your information every 6 months to renew your spot. You’ll be notified 30 days before your revalidation is due. Failure to provide information can result in your removal. A subsequent application would put you further down the list and force you to wait longer, so be sure to respond to requests for documentation!

Choose an Approved Daycare Provider

Daycare assistance
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The School Readiness Program requires you to choose a state-approved childcare provider to receive the subsidy. The Department of Children and Families has a provider lookup tool that can help you find a reputable daycare for your child. Simply enter the name of your city to pull up a directory of trusted providers in your area. The tool can also be used to vet childcare centers that friends and family recommend by inputting their names. You can contact your local Child Care and Resource agency if you need further assistance with finding an approved daycare. 

Renewals

Florida’s Daycare Vouchers are not permanent and must be renewed every time the benefit expires, which is often every 12 months. Going through a renewal is very similar to the original application process. About a month before your benefit ends, the state will notify you of the information they need. The state is looking to confirm that you and your family still qualify for benefits and will request a number of documents to prove your income and your education or employment status.

Eligibility Changes 

How to get daycare voucher in Florida if eligibility changes
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Once you’re enrolled in the program, you must report any changes that could affect your eligibility, such as a salary bump. Your ELC should have an eligibility change form available on their website that you can fill out and send in. If you need to take a break from the program temporarily or change providers, you’ll also have to notify your ELC. 

Still stuck? Your local Child Care and Resource Referral can answer your questions about how to get daycare vouchers in Florida.

If you’ve been through the process, share your experience in the comments to help other parents! 

Vicky Monroe headshot
Vicky Monroe

Vicky Monroe is a freelance personal finance writer who enjoys learning about and discussing the psychology of money. In her free time, she loves to cook and tackle DIY projects.

Filed Under: Parenting Tagged With: Childcare, Kids, money

Here’s Everything You Should Know About The New Child Support Bill

February 3, 2025 | 5 Comments

Here's Everything You Should Know About The New Child Support Bill Key
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It’s only February, but a new child support bill has already been passed, and another has been proposed. With all of these legal changes, it is important to understand what is new for 2025 and what could be coming down the road. Here’s an overview of the impacts of the new child support bill.

New Child Support Bill

New Child Support Bill
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On January 4th, President Biden was presented with and signed the Supporting America’s Children and Families Act. Originally introduced to the House of Representatives in July of 2024, the SAC&F Act primarily focuses on supporting vulnerable children in foster care through Title 4 Social Security assistance. The new law also impacts child support and the ability of states to collect it. While the original bill passed in the House had a number of other measures centered on delinquent child support, those provisions seem to have been lost in the Senate.

The major impact of the SAC&F Act on child support is allowing states to use contractors to collect overdue payments through federal tax refunds. Plus, the bill expanded Native American tribal access to tax information, enabling them to run their own independent child support enforcement programs. This legislation will help ensure that caregivers receive the child support payments they rely on to make ends meet. It will also make it harder to evade child support.

The use of contractors to collect payments is expected to be a cost-saving measure, bringing in $5 for every dollar spent. The Congressional Budget Office has estimated the savings from the new child support bill will be nearly $800 million dollars.

Potential New Child Support Bill Introduced

Potential New Child Support Bill Introduced
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In late January, Senator Kevin Cramer of North Dakota introduced a new child support bill. If passed, it would allow soon-to-be mothers to receive child support before giving birth. While Cramer is a conservative lawmaker, similar measures have been enacted by states across the political spectrum, from California to Alabama.

Currently, 25 states including North Dakota have enacted the Uniform Parentage Act. It was originally introduced in 1973 and gives women a legal mechanism to file for and collect child support while pregnant. If passed, Cramer’s bill would give this ability to women in every state.

In states without the Uniform Parentage Act, mothers are only eligible to collect child support after giving birth. This places the full financial burden of pregnancy, which can cost $19,000 on average, solely on the mother. While Cramer’s bill has the potential to be bipartisan, there are possible issues with blanket implementation on the state level.

Potential Ramifications

A requirement of child support is first determining paternity. Some states require that when a married woman is pregnant, the husband is automatically listed as the father. This legally establishes paternity even if there is a separation, pending divorce, or infidelity. The paternity could later be challenged and determined via DNA testing. However, this could leave uninvolved husbands temporarily responsible for child support in states that use marriage to determine paternity.

However, there’s no reason to worry about this bill’s potential ramifications yet. Cramer’s bill still has a long way to go before being made law. It was only introduced last week, so it still needs to be introduced and voted on in the House. As we’ve seen with the Supporting America’s Children and Families Act, there can be numerous revisions throughout this process. And if the bill were ultimately passed, it could look significantly different than the original proposal.

What do you think of the changes brought about by the new child support bill? Let us know in the comments.

Vicky Monroe headshot
Vicky Monroe

Vicky Monroe is a freelance personal finance writer who enjoys learning about and discussing the psychology of money. In her free time, she loves to cook and tackle DIY projects.

Filed Under: Money and Finances Tagged With: child support, Kids, money

Start The New Year Off With A Fun Family Trip to Florida

January 6, 2025 | Leave a Comment

Family fun in Florida on a budget
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Many people believe that the Sunshine State is an expensive vacation destination. However, it’s totally possible to have family fun in Florida on a budget. If you’re pinching pennies, you probably won’t be able to visit pricey attractions like Disney World and Universal Studios. But luckily Florida has lots of affordable entertainment options, from gator parks to manatee preserves. If you’re tired of the cold and dreaming of a tropical getaway, here are some tips to help you plan an affordable trip. 

6 Ways to Have Family Fun in Florida on a Budget

Marvel at Manatees 

Manatee Family fun in Florida on a budget
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Believe it or not, you can observe wild manatees in Florida. It’s amazing to watch these huge, magnificent creatures float around and munch on palm trees. During the winter, they tend to congregate near power plant outfalls and springs because the water is warmer there. So if you time your trip right, you may be able to see dozens of manatees at once!

Most manatee observation centers and parks are free or low-cost, so this is a great way to have family fun in Florida on a budget. Check out this list of popular viewing areas from the Florida Fish and Wildlife Conservation Commission to plan your trip. 

Hang With Gators 

See alligators in Florida
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Another way to have family fun in Florida on a budget is to hang with gators. You can spot alligators, turtles, and other wildlife at many state parks throughout Florida, including the Everglades and Hillsborough River near Tampa. To enhance the experience, you can even book an airboat tour. Companies like Gator Park in Miami offer affordable tickets and allow children 5 and under to ride for free. 

There are also alligator theme parks such as Gatorland in Orlando and Gatorama in Palmdale. They have entertaining exhibits and animal shows that will teach your kids about crocodiles, alligators, and other reptiles. Gatorland even has a thrilling zipline positioned over a crocodile enclosure for an additional fee. Admission is much more affordable than other theme parks, enabling you to have family fun on a budget in Florida. 

Visit Disney Springs and Other Malls

Florida has some amazing malls
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Want to get a taste of Disney World without breaking the bank? Admission to Disney Springs, a themed shopping complex, is totally free. There are many fun places to window shop, including a Lego store, a Disney apparel shop, and a Star Wars galactic trading post. The complex also has outdoor stages that offer free entertainment. Right now there’s an art walk featuring the work of local painters and a music show called Springs in Motion. You can also pay for special experiences such as bowling or riding in a tethered hot air balloon. 

If you aren’t visiting the Orlando area, rest assured that there are other malls and outlets in Florida to explore, such as CityPlace in West Palm Beach and Dolphin Mall in Miami. 

Play Miniature Golf 

Mini golf Family fun in Florida on a budget
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Florida has many sprawling, themed mini-golf courses that your kids will love. Congo River features caves and tropical rainforests, so it’s no surprise that it was rated the best mini golf course in Florida. There are eight different locations throughout the state, including Kissimmee, Bonita Springs, Daytona Beach, and Clearwater. 

If you’re visiting Orlando, don’t forget to check out Disney’s Fantasia Gardens mini golf course. It’s located on the grounds of the Swan Hotel and offers Disney magic at an affordable price point. The two 18-hole courses feature hippos, ostriches, and other characters from the iconic film. 

Relax on the Beach

Florida beach fun with the family
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The best way to have family fun in Florida on a budget is to relax and play at the beach. Around 90% of the state’s coastal access points are open to the public, so you’ll have plenty of choices. This convenient map from the Florida Department of Environmental Protection shows you all of the pristine beaches you can explore. Don’t forget your sunscreen and beach toys! 

Visit Free or Low-Cost Museums 

Art museum Family fun in Florida on a budget
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If you’re hunting for free museums, Florida will not disappoint. You can find a number of fantastic museums scattered from Tallahassee to Sarasota, all with free admission at least one day a week. Tallahassee has the Museum of Florida History, which is always free and combines exhibits and educational programs to show how the state has grown. The Harn Museum of Art near Gainesville is one of the largest museums in the state and provides free entry. Found in the University of Florida’s Cultural Plaza, the museum houses collections of pre-Columbian, African, and American paintings as well as contemporary art. 

In Sarasota, both the John and Mable Ringling Museum of Art and Bayfront Gardens are free on Mondays. You’ll also find the Glass Pavilion located in the same complex, which is always free. These three attractions feature a 66-acre rose garden and arboretum, 45,000 works of art, and a curated collection of blown glass.

From visiting museums to hanging out at the beach or lake, there are many ways to have family fun in Florida on a budget. Did we miss any of your favorite free or low-cost attractions? Share your travel tips in the comments!

Vicky Monroe headshot
Vicky Monroe

Vicky Monroe is a freelance personal finance writer who enjoys learning about and discussing the psychology of money. In her free time, she loves to cook and tackle DIY projects.

Filed Under: Travel Tagged With: Beach, Kids, Travel

Trust Fund for Kids: Mistakes to Avoid When Securing Their Future

January 3, 2025 | Leave a Comment

Trust funds for kids
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A trust fund for kids can be a useful financial tool that helps set your children up for success. Inherited wealth can sometimes be spent unwisely due to immaturity or lack of financial education. Distributing your assets to your kids through a trust gives you greater control over how the money is used, ensuring generational wealth isn’t wasted. A trust fund for kids can also be put in place to provide for children with special needs. However, the trust may not have the intended effect if it’s set up improperly. It’s important to avoid common pitfalls when securing your child’s future with a trust. Here are common mistakes parents make when setting up a trust fund for kids. 

Setting Up a Trust Fund for Kids: Common Pitfalls 

Common mistakes when setting up a trust fund for kids
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Not Understanding the Different Types of Trust Funds for Kids

There are two main types of trusts—revocable and irrevocable. A revocable trust can be changed after it’s established, allowing for greater financial flexibility. Irrevocable trusts, on the other hand, usually can’t be amended once they’re set up. However, they often provide more protection from lawsuits and creditors while offering certain tax benefits. 

For example, a generation-skipping trust enables you to pass down money to your grandkids to avoid estate taxes. If you’re setting up a trust for a disabled child, a special needs trust can help ensure they remain eligible for certain government benefits. Figuring out which trust fund for kids is right for your family is a crucial step in the process, especially since irrevocable trusts cannot easily be modified. 

Choosing the Wrong Trustee 

Choosing the wrong trustee
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Parents setting up a trust fund for kids must choose a trustee to manage and disburse the assets according to the rules they set. The trustee will have control over your wealth, so it’s important to choose someone responsible who will invest it wisely. Although you love your family members and friends, it’s possible that they may not be the best choice for this role. Naming a relative as a trustee can put them in the awkward position of having to deny your child access to funds at times. Mixing family and finances in this way could put a strain on your child’s relationships.  

Choosing a professional fiduciary like a bank to be the sole or co-trustee may be a better move depending on your circumstances. As a neutral third party with significant financial expertise, your bank can help ensure your wealth is protected and distributed according to your wishes. However, financial institutions usually charge management fees, which is something to consider. Before you make any decisions, be sure to carefully research and weigh your options. 

Setting Overly Rigid Rules 

Overly rigid rules trust fund for kids
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Trust funds can be used to incentivize your kids to make good decisions. Some parents choose to set rules that reward positive behavior. For example, a child who maintains a great GPA in college may be allowed access to a bigger portion of the funds at an earlier age. You can also tie disbursements to major life milestones, such as getting married or buying a house. However, setting rules that are too rigid could prevent your child from accessing needed funds. After all, life can take many twists and turns, so it may be unwise to tie their inheritance to specific life benchmarks like marriage or college graduation.

It’s important to consider your child’s abilities and goals when setting guardrails. In some cases, it may be better to schedule disbursements according to your child’s age instead of their specific life stage. This setup ensures that your child is mature enough to handle the financial responsibility of managing their inheritance while providing greater flexibility. Another option is to require your adult child to meet with a financial advisor before gaining control of the funds. Your lawyer can help you structure the trust with rules that will set your child up for financial success without being overly strict. 

Failing to Consider the Impact on Financial Aid

Trust fund for kids can impact financial aid
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Parents creating a trust fund for kids must also consider the impact on college scholarships and financial aid. If your child is named as the beneficiary, the trust fund will typically be counted as one of their assets. Depending on the value of the trust and how it’s structured, it could affect their eligibility for financial aid. It’s important to consult your lawyer to determine how distribution rules and other factors could impact your child’s education. 

Trust Funds for Kids Can Be Complicated

Trust funds for kids are complex
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Although trust funds are a valuable financial planning tool, they can be quite complex. That’s why it’s important to consult lawyers and other experts you trust during the setup process. Taking the time to fully understand and carefully consider your options will prevent you from making costly mistakes. 

Vicky Monroe headshot
Vicky Monroe

Vicky Monroe is a freelance personal finance writer who enjoys learning about and discussing the psychology of money. In her free time, she loves to cook and tackle DIY projects.

Filed Under: Money and Finances Tagged With: child trust fund, Kids, money

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Basic Principles Of Good Parenting

Here some basic principles for good parenting:

  1. What You Do Matters: Your kids are watching you. So, be purposeful about what you want to accomplish.
  2. You Can’t be Too Loving: Don’t replace love with material possessions, lowered expectations or leniency.
  3. Be Involved Your Kids Life: Arrange your priorities to focus on what your kid’s needs. Be there mentally and physically.
  4. Adapt Your Parenting: Children grow quickly, so keep pace with your child’s development.
  5. Establish and Set Rules: The rules you set for children will establish the rules they set for themselves later.  Avoid harsh discipline and be consistent.
  6. Explain Your Decisions: What is obvious to you may not be evident to your child. They don’t have the experience you do.
  7. Be Respectful To Your Child: How you treat your child is how they will treat others.  Be polite, respectful and make an effort to pay attention.
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