Jana Says

Living life from cover to cover

  • About Me
    • Contact
  • Reading
    • Judging Covers
    • Interview with a Bookworm
  • Life Happenings
    • Playlists
    • The Aldi Experiment
  • Mental Health
  • Show Us Your Books

10 money must haves for moms

January 30, 2013 by Jana 20 Comments

…and dads and grandparents and pretty much everyone else.

This idea came to me after seeing a picture on Facebook posted by Jen from People I Want To Punch In the Throat. While I love the original list (which you can find here) for its snark and sarcasm, I thought it might be a good idea to strip that away for a moment and think practically about the financial things we need. After all, without our finances in tact, how are we going to pay for the babysitter, wine, trips to Target, and girls’ night out?

We’re not.

So, here we go. My 10 money must haves:

  1. A budget–you need to know where your money is going and how much you have coming in. Without this, you’re kind of screwed. 
  2. An emergency fund-because shit happens and you need to be prepared. If the 3-6 months is too intimidating, start small. But just start.
  3. A menu plan–the single best way to save money at the grocery store.
  4. A retirement savings plan–unless you want to work forever, you need to save for the day you stop working.
  5. A will–because you will die. Best to be prepared and get everything straight ahead of time.
  6. A marketable skill–we all have one. And we all can do something that, in the event of an economic pinch, can bring in some extra income.
  7. A frugal hobby–shopping is fun, but why not pick up a book from the library? It’s just as time consuming but saves a ton of money in the long run. Maybe filter the savings to your EF or retirement savings.
  8. A money savvy friend–we all need someone we can go to with our money questions and concerns. Find one of those people and put her in your friend arsenal with the fun friend and the creative friend.
  9. A motivational motto–I like having some saying that get me through tough days. I even have an entire Pinterest board devoted to them. Print one and put it somewhere conspicuous for the days you doubt yourself.
  10. A good night’s sleep–because nothing enables bad decisions, especially financial ones, more than being tired.

Put these 10 into place and you’re ahead of everyone who says they can’t control their finances. Because when you look at it like this, it’s really not that hard.

And in case you want it in pretty graphic form:

money must haves v2

 

Filed Under: Family matters, Money

Grandpa’s life lessons

January 7, 2013 by Jana 19 Comments

My grandpa, 6/24/15-12/31/12, on Thanksgiving at my aunt's house.
My grandpa, 6/24/15-12/31/12, on Thanksgiving at my aunt’s house.

On December 31, 2012–New Year’s Eve–my grandfather passed away. Although he was 97, his death came as quite a surprise. After all, he didn’t look 97. He didn’t act 97. And he sure as hell didn’t think like you would expect a 97 year old to think. My grandfather was a sharp as a person gets, even from his hospital bed, hooked up to machines helping him breathe and keep his kidneys functioning. He was a fascinating man, always sharing stories about growing up in Montreal or his early years in business or his thoughts on politics, economics, sports–everything. We all joked at having to suffer through his lectures but really, they were a way of him getting to know us and us getting to know him.

Looking back, those lectures really were special (even if they were a little tedious at times).

While I learned a lot, intellectually, from my grandfather, what I’ll always keep with me are not the facts and figures he taught me (including the rules of hockey. Those left my brain the minute they went in) but the life lessons that he never intended to share but did anyway. Although he told a cardiologist that his key to longevity was dark chocolate (amen!), there really were other elements that helped:

Exercise. As a kid, I remember Nanny and Grandpa putting on their sneakers and going for their daily walks. Mostly to the post office, but anywhere would do. This was a practice that he maintained until just a few months ago. Yes, his walks were shorter in distance but he still took the time to do something for his body. This is a habit I’ve recently incorporated and I’ve never felt better. No wonder he made it to 97!

Keep a sense of humor. Not only did he have one of the biggest smiles I’ve ever seen, but my grandfather enjoyed laughing. He wasn’t a big fan of “low-brow” humor (he did not pass this on to me. I still think farts are funny) but he loved his puns and he was quick to come up with them, too. And I recently found out, Grandpa was also kind of a wise-ass.  At least now I know the start of that genetic trait.

Find a community. After my Nanny died (and to say that my grandfather loved her would be an understatement), Grandpa found solace in his friends at the Suffolk County Y-JCC. He went there often, to talk with friends, listen to lectures, give talks and forge relationships. He continued to engage himself and find a place where he belonged. That engagement, that activity, that something to look forward to–I believe this is what helped keep him going for so long.

Never stop learning. If you asked my grandfather for his most sage piece of advice, he’d probably tell you to always learn. He was always encouraging all of us to further our formal education, to read, to research, to expand our minds. He practiced what he preached, too. Grandpa read voraciously. He was inquisitive. He loved learning new information and then passing that information along.

Love your family. Nothing—and I mean nothing—meant more to my grandfather than his family. He adored his wife, children, grandchildren and great-grandchildren. His brothers were his best friends. He attended bar mitzvahs and weddings of children of distant relatives just to be able to spend time with them.  And the way he cared about every member of the family was genuine, not “hey, we’re hanging out because we’re related and we have to”. I wish I could be that nice.

Live financially modestly. My grandfather did well, financially, but he never felt the need to show it off. He lived in a modest apartment in Queens for most of his time in the United States and then spent the last part of his life (after my Nanny passed away in 1997) living with my aunt and uncle. He didn’t have flashy clothes, cars, or take expensive vacations. He was generous, sure, but he never felt that he had to flaunt his money. I think we can all learn from that.

Have a passion. Grandpa liked a lot of things. But one of the things he loved most was words. And he was so good with them. And he appreciated others who were good with them. Up until a week before his death, he was still writing poems and doing the NYT crossword puzzle. He wrote acrostics and a column for the Y-JCC’s newsletter and thinking pieces. He even composed a song that was recorded. Writing might not have been his career but he always had a love for it. His life was brighter because of this passion. All of our lives should be enriched by something we love that much.

Be eclectic. My grandfather’s interests ran the gamut. He loved books, sports, politics, economics, philosophy, Jewish culture (I’m Jewish, for those who don’t know), movies, music (especially opera)—you name it, Grandpa probably knew something about it. And would take the time to talk to you, too. It’s what made him so likeable and interesting to talk to. Plus, being eclectic is fun. Who wants to just like one thing?

Find words that inspire you. At his bedside in the hospital, one of my cousins, one of my sisters, my father and I read to my grandfather his favorite poem, Invictus, by William Ernest Henley. I’ve never been one for poems but Grandpa loved them, and when we were done reading, he, through very labored breaths, explained why the poem was so meaningful to him. It was a powerful moment for a number of reasons but these words will inspire me the rest of my life:

I am the master of my fate:
I am the captain of my soul.

Those words capture the essence of my grandfather. I hope that I, too, can live that way and honor his memory.

And Grandpa, if you’re reading this, I hope Nanny enjoyed the jelly beans.

Filed Under: Family matters

Family activities for winter break

December 21, 2012 by Jana 16 Comments

School vacation is right around the corner (or, if your schools are like ours, it’s already here). It’s a time for kids to relax, give their brains a rest, spend time with their family and friends…it’s a lot of fun. Yet for most parents, it’s a time of extreme anxiety trying to a) keep sane and b) figure out how to keep the kids busy without going broke.

It’s a hard balance at times but not entirely impossible. After all, there are new Christmas or Hanukkah presents to play with, the opportunity to send them to visit relatives or friends (overnight!), and chances for quality, inexpensive family time. But how to find something that the whole family can enjoy?

Also, not impossible. There are dozens of options for family entertainment that can be accomplished for just a few dollars. Here are few:

Family movie night. Family movie nights are pretty common, especially in my house. They’re easy and, thanks to Netflix and Redbox, really, really cheap. But in this instance, spice it up. Do it differently. How? Have a theme. Let’s say, for example, pirates. Depending on the age of your kids, you can rent one of the Pirates of the Caribbean movies, make pirate food to snack on, and have everyone dress up in a pirate costume. Be as creative as you can. Just make sure that you decide on the theme together. You don’t want someone being completely miserable.

Dinner contest. Again, this will depend on the age of your kids and the size of your family but here’s the gist: divide the family up into teams (boys against girls, older kids versus younger kids, etc) and have each of them cook dinner one night (supervised by mom or dad, obviously). The adults in the house “judge” the meal and, when the contest is over, they announce the winner. For extra incentive, make the prize a night off from chores or an extra dollar in their allowance.  Doing this teaches your kids how to cook and gives you a night or two off.

Family slumber party. Your teenagers might not like this idea, but the younger ones will. For one night, and one night only, allow all of them (or however many you have) to sleep in your room. Let them pile the floor with pillows and sleeping bags. Play a game like Truth or Dare (just make sure to make it kid friendly). Eat junk food. Stay up late. Do everything that you’d typically do at a sleepover (well, almost everything. This is family friendly entertainment we’re talking about here). Although exhausting, it will create fun memories for everyone involved.

Family Olympics. Remember the episode of The Office where Jim created “Office Olympics?” Why not do that at home? Find some fun, weird games to play. Create an obstacle course out of toys. See who can run up and down the stairs the most times before they get tired. Before you start, host an opening ceremony and, after each event, have a medal ceremony with each participant’s theme song playing (oh, did I mention that each participant needs a theme song and a flag?). It’s not only a good way to be creative but a good way to get some exercise when it’s too cold to go outside.

The other activity I advocate? Nap time. Or, at the very least, quiet reading time. When you’re spending all day, every day with your kids, everyone needs a break before someone goes insane (and by someone, I mean the parents). This also prevents tantrums, fights, and general unpleasantness. So everyone wins.

Winter break is fun time to spend with your kids.  But without some careful planning and some activities in your back pocket, it can quickly go from fun to nightmare.

Readers, what are some family activities that you engage in to keep your sanity and protect your budget during winter break?

Filed Under: Family matters

4 inexpensive ways to enjoy the arts

December 19, 2012 by Jana 8 Comments

My daughter’s school recently took the kindergarteners to see a play. I was thrilled with the fact that the school takes advantage not only of local arts but sees the arts as an important part of their curriculum. My daughter was thrilled with the fact that she got to ride the bus and see Junie B. Jones live (are you aware of the horror that is Junie B. Jones? If not, consider yourself lucky). But it got me thinking that it’s not just the school’s job to expose her to those types of things. It’s also my responsibility as a parent.

So what are some ways that I can do that without travelling too far or spending too much money? Here’s what I came up with:

Enjoy local theater. There is just something about attending a play. The live production elements make it so much more real and relatable than going to a movie or watching TV. But, unfortunately, many stage plays are cost prohibitive. However, experiencing the fun of a stage play doesn’t have to happen on Broadway. It can happen at your local theater company, high school, community college, or church. It’s inexpensive and your kids get to see everything that happens to create that form of entertainment. Afterwards, you can talk to your kids about the different jobs that happen in the theater from the actors to the costume designers to the musicians, and all the other jobs. It exposes your kids to different career options and may foster a love of something they might not have otherwise known they love.

Attend a concert. Music. I love music (a lot. In fact, when I’m alone, I’m almost always listening to something). There’s been a ton of research conducted by people smarter than me that highlights just how important music is in brain development, helping kids achieve academically, and honestly, listening to music is really relaxing. I believe every kid should experience a live concert to get the feel of live music. Like theater, it doesn’t have to happen at a major arena. There are free concerts in the park during the summers, high schools and middle schools have concerts throughout the year, and so do bookstores, libraries, and sometimes, coffee shops. Not only is it great family time, but attending these is a great way to support your local economy.

Visit an art museum. I am not a huge fan of visual art like paintings, sculptures, etc. I do like photography though. I think it’s pretty and beautiful to look at, and I can appreciate the talent it takes to make it, but when I look at that stuff, it doesn’t evoke any emotion in me the way music does (except for photography). I mean, it’s pretty but I don’t get it. That said, I still think it’s important for kids to see different forms of art. You can do that by looking for free nights at art museums, going to an exhibit at an art school if you have one nearby, or even taking your kids to a free or inexpensive art class at the library, craft store or community center.

Create your own curriculum. Dorothy was right. There’s no place like home. If you have limited access to a library or park or school or any other venue that provides cultural events, why not do it at home? Write a play with your kid and then perform it for friends and family (or just family), complete with costumes and sets built from what you have around the house. Draw or paint your own pictures and then hang them up around your house. Get dressed up, make some hors d’oeuvres, and pretend you are at a gallery opening. Go to YouTube and search for a live concert in any type of music. Watch it together. There are a number of ways to expose your kids to the arts without having to spend any money or even leave your house!

If you’re unsure how to find these events, Google is your best friend. Just search for “free plays” or “free concerts”. Look at your school district’s event calendar. Use your city or town’s event calendar. I subscribe to a website that sends me emails twice a month with events in and around my state; look to see if you have one in your area. There are a number of ways to find this information should you want it.

I don’t want you to think that I’m pushing you to expose your kids to the arts. If that’s not your thing, that’s okay. But I don’t want you to not to do it simply because it’s too expensive. And with so many schools cutting arts programs, it’s more important than ever that we, as parents, step up and fill that gap. If we can find ways to do it without emptying our wallets, that’s even better.

Readers, what are some inexpensive ways you engage in the arts?  

Filed Under: Family matters, money tips

The year I made a difference (reposted)

December 3, 2012 by Jana 11 Comments

This post was originally published on November 30, 2011. But I felt that it needed sharing again, just as a reminder that we all have the ability to make a small impact on someone’s life. 

Now that holiday season is in full swing, there’s no shortage of people asking for money. I’ve already discussed how I manage the holiday creep. But this story is a little different. This is a story about how I, along with 3 friends, changed Christmas for one family. We didn’t do it because we wanted anything in return. We didn’t do it because we felt overwhelmed with the holiday spirit. We didn’t do it because we needed a year-end tax break. No, we did it because this was a hardworking, kind family with 2 parents doing all they could to provide for their kids and Christmas wasn’t in the budget. There was no way we were going to allow this family to forgo Christmas. So we changed it.

First, a little background about the family. At this time, they were a married couple with 4 children (they’ve since added one more). For years, she was a stay at home mom and he worked in a hospital as an X-ray tech I believe. They owned a modest house in rural Indiana and were doing fine. Then he lost his job. The family had to obtain food stamps and Medicaid (if I remember correctly). They worked themselves into debt trying to pay bills on his new salary as a fast food worker. She gave up being a SAHM and went to work in a school cafeteria. The money was enough to keep them afloat but it didn’t leave a lot of room for extras.

She took to a money forum to learn how to control her spending, pay down debt and manage their finances. Watching her progress in her thought process and money management skills was incredible. She came so far in such a short time that it broke my heart reading the desperation in her words when she would talk about Christmas. She wanted to so much to provide for her kids but in her heart of hearts, she knew she couldn’t. Enter me.

Having been in a situation where I didn’t know how I was going to provide Christmas and/or Hanukkah gifts for my child, I couldn’t bear the thought of someone else being in that position. So I got the idea that I would adopt her family. Except I couldn’t do it myself. I enlisted 3 other women from our forum and together, the 4 of us adopted this family. Since there were 4 kids, we each became Santa’s little helper for 1 of them. And because the parents worked so damn hard, we gifted the couple with something. I also snuck a little gift for the mom into my package.

At first it seemed like it would be a daunting task. I wasn’t sure that the other women would agree to do it but sure enough, they did. Once I had the crew assembled, I contacted the mom to let her know what was going on. I didn’t want to insult her and I was so worried that I might. To my sheer delight, she was not only not insulted, she tried to convince me that they didn’t deserve it (guess who won that debate?). From there, we were able to collect a list of the children’s likes and interests and clothing sizes. We each used our own judgment and budget guidelines when selecting the gifts, and we tried to stagger the arrival of the packages so nothing seemed conspicuous to the kids (2 of them were roughly preteen age at the time).

To make sure that the parents didn’t feel totally left out, we made sure to leave all the gifts unwrapped. By letting them wrap the gifts, it gave them that sense that they could still do something for the kids (also, it let them preview the gifts so that they were not totally surprised and they could screen for anything they might not approve of). When she sent me the email that all of the packages had arrived, I breathed a sigh of relief that everything had gone smoothly and as planned.

The words of gratitude that I received after Christmas reinforced to me that not only had we done a good thing, but that we had picked a very deserving family. Working in the field that I work in, it’s easy to see families fail to appreciate what it done for them. They feel almost entitled to it. But not this family. To this day, she still feels that they weren’t deserving of what we did. Let me put that to rest. They were. They absolutely were. And she still tells me what a difference we made to their family that year and how that gesture continued to give them hope and reassurance that things were bound to get better.

I know what we did was not a grand gesture or elaborate or even that expensive. But knowing it made a difference to that family, even for just one year, was absolutely worth it. And, if given the chance, I’d do it all over again.

Filed Under: Family matters, Money Motivation

  • « Previous Page
  • 1
  • 2
  • 3
  • 4
  • 5
  • …
  • 10
  • Next Page »
Jana

I'm Jana ...

A book reading, nail polish wearing, binge watching, music loving, dog owning, reluctant cheer mom.
Learn more ...
  • Bloglovin
  • Email
  • Facebook
  • Instagram
  • Pinterest
  • RSS
  • Twitter

Generic selectors
Exact matches only
Search in title
Search in content
Search in posts
Search in pages
Filter by Categories
Activities
beginnings
bills
bloggers
Books
budget
challenges
charity
Confessions
Cooking
coupons
Crafting
entertainment
Family
Family matters
food
Gardening
Giveaways
goals
Guest posts
guests
Home Decorating
Life
mental health
Money
Money Motivation
money moves
money tips
Money Tune Tuesday
opinions
parties
Pets
Pioneer Project
products
quotes
random
Random thoughts
recipes
Recipes
Relationships
savings
school
Sewing
shopping
Sidebar Shots
Uncategorized
work
writing

Archives

Reader favorites

Sorry. No data so far.

Show Us Your Books. Join the Link-Up. Talk Books the Second Tuesday of Every Month

Connect with Me

Subscribe to Jana Says

Jana Says
© 2017 by Jana Says. All Rights Reserved.
Crafted with by sasspurrella designs.

Copyright © 2025 · Lifestyle Pro Theme on Genesis Framework · WordPress · Log in