Category Archives: Parents

Challenge, Children, Parents

10 Ways to Train Your Children in Finance

There is no better time than now, today, to start teaching your children about money, saving, spending, credit, debt and giving.  As we approach Christmas, a time of giving and receiving, you’ll have a perfect opportunity.

Take the financial lessons you have learned and use them as a teaching tool to those little ones in your life, either as a parent, a grandparent or a caretaker. Their future spouses, teachers and employers will love you for it. Author and financial teacher Larry Burkett once said that we are not responsible for our children’s decisions, but we are responsible for their training.

  • It all begins and hinges on helping them to understand that God owns it all. We are to be the best stewards of everything He shares with us and because God is so generous, teach generosity. There is no greater blessing than to give.
  • Teach the difference between self-discipline, delayed gratification, and immediate self-gratification.
  • Give your children regular and meaningful responsibilities – jobs without pay, e.g., picking up their toys. Do not give an unearned, free ride allowance, but rather, give your children regular jobs with generous pay, e.g., mowing the lawn or folding the laundry.
  • Teach your children to tithe from every dollar earned or given to them. It is all God’s, but discipline in regular giving grows a habit.
  • Teach your children to save a percentage of their income for the future (30-50%), all the while designating a percentage of what can be spent immediately.
  • Teach the difference between an asset and a liability – a consumable. Help them to understand the concept of investing and how that will help them beyond today into the future.
  • Develop a budget with your child as soon as they can comprehend the idea. It will serve them the remainder of their life. Start a savings account (start with a piggy bank) and when age appropriate, obtain a money market account and an ATM card. Teach them how to responsibly use and balance them.
  • Train them in the proper use of credit and how the borrower is servant to the lender. Borrowing for an asset vs. a liability.  Share with them the difference between paying interest and growing interest on their money/investment.
  • Share with your children your financial mistakes and how they can learn and benefit from them.
  • As is appropriate, walk them through all other financial concepts like loans, taxes, utilities, owning a home, maintenance, buying a car, auto repairs, insurance, etc. Take the time to teach your children what God takes the time to teach you about money and His resources. They’re never too young to learn.

And here’s a bonus for you as a parent.  Stop saying the words, “I can’t afford it.” Most times we can, we’re normally adjusting our priorities. So rather than this short answer, try explaining why making a certain purchase is not within your budget at this time.

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Challenge, Children, Encouragement, Issues of the Day, Marriage, Parents

Taking Back Dinner Time With Your Family

It’s time to reclaim dinner around our tables.  This practice is becoming lost in the midst of family busyness, jobs, school schedules, friends and activates.  We desperately need to recover this tradition within our families and here’s why.

 

When we’re sitting around the table eating, it’s a time to connect as a family.  It’s a time to talk about our day.  It’s a time to encourage, speak life-filled words, laugh and listen.  Dads and moms  can help provoke this time of communication and connectedness.  Here’s how.

 

There is nothing worse than everyone sitting around complaining about the meal, their day, not talking or simply engaged in words like, “Pass the salt” or “Can you please close your mouth when you chew?”  This opportunity for connection can begin with Dad sharing about his work day, Mom sharing about an important meeting she was engaged in and then the children following up with something that occurred in school, a paper due or a prayer need.  If no one is talking, you can begin a wonderful conversation just by asking, “So, what’s the craziest thing that happened today?” or “Finish this sentence: Today was a challenge because…”

 

The food takes a backseat to the conversation.  Before closing your mealtime, the conversation can turn to praying together as a family or asking if someone needs help with a certain task assigned after dinner.  Mealtime is a time for togetherness and relationship building.  Always include your children’s friends in the conversation and you just might start a new tradition in their home as well.

 

Do not lose the value of such an important daily connection and opportunity.  Proverbs reminds us, “Better a dry crust with peace and quiet than a house full of feasting, with strife.”

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Challenge, Issues of the Day, Marriage, Parents

If You Had One Last Call: 9/11

September 11th, 2001, a day we will all remember here in America and around the world. I was sitting on a plane at the Baltimore/Washington airport waiting to fly to New England through New York air space when we were all asked to disembark the plane and to go home.  That day, 2,996 people would lose their lives.

 

I remember reading about the final calls being made to spouses and loved ones.  Over 1,000 phone calls were made within ten minutes of the first plane hitting the first tower and thousands more made thereafter.  These would be calls in which the two parties would never speak again on this side of heaven.  While we can’t predict our death, some of the persons in those two towers and planes had an opportunity to share some last words.

 

These were the final words from a stewardess, “Hi baby.  I’m, baby…you have to listen to me carefully.  I’m on a plane that’s been hijacked…I want to tell you that I love you…please tell the children…I’m sorry.”  Another, “The only thoughts I have are of Nicholas, Ian and you. I am terrified.  I needed to tell you that I truly love you.”  And then there was this one, “It’s not looking good.  I want you to know I absolutely love you. I want you to do good, have good times…I just totally love you…goodbye, babe.”

 

As I look at the anniversary of a very sad day, I can’t help but think about final words.  What would I say in a last phone call?  What would I tell my wife?  Perhaps that question is a good exercise for today while we’re alive and well.

 

If you had one last call, fearing a close end, what would you say to your spouse or your loved one?  Please say it now, don’t wait.

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Children, Marriage, Parents

Stop Punishing Your Children; Rather, Correct Them

Honestly, the most difficult times were when I had to enforce a boundary for my children as their father. Providing the appropriate discipline in the appropriate manner was often a challenge. Is there a difference between punishment and correction?

 

Punishment has to do with me preserving my right to be angry with my child and keeping my posture as the one in charge. It says that my child must pay for what he or she did wrong. Punishment is often done out of anger lacking any training toward change, put simply, a more powerful parent enforcing his or her will upon the weaker child. Punishment is more about inflicting shame and pain for wrongdoing.

 

Correction, on the other hand, is not just about reward and punishment; it is more about challenging actions and shaping a will in a life-giving method. It is training out of a spirit of love. It is more about guiding and forming the spirit of the child rather than reinforcing the will of the parent. It is less about anger and more about what’s best for the child.

 

Correction takes time to administer because it includes instruction toward a different and healthier future. Punishment on the other hand is normally abrupt, more about reaction and often with little thought. Proverbs 29: 15 says that the rod of correction imparts life – correction imparts life!  Job 5:17 tells us, “Blessed is the man whom God corrects; so do not despise the discipline of the Almighty.”

 

As parents, share the responsibility of correction and do not make one parent the mean one and one parent the nice one.  Switch it up so your children can identify your father and mother heart.

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Challenge, Children, Parents

Help! I’ve Lost My Son!!

“Ian, Ian, I’ve lost my son…his name is Ian!  Ian, Ian, where are you? Help me,”screamed the frantic mom pushing the empty stroller down the aisle of terminal A.  I had just arrived at my gate, returning home from being out of the country. This mom was hysterical and desperate.  She had one single focus…finding her lost son.  Everyone began standing, looking all around and wondering what they could do for this fear-filled young mother.  Those persons who are parents immediately felt her pain because most could empathize with exactly what she felt having more than likely a similar situation happen at one time or another.

 

Soon an announcement came across the P.A. system saying, “A little boy was found at gate 2C.  If you’re his parent, please return to gate 2C.” Everyone, and I do mean everyone, was relieved as she turned to head back to the gate.  We all felt her relief and our hearts returned to our chests.

 

I sat down and almost immediately received a very special picture in my spirit.  I saw our heavenly Father running frantically down the aisle, through the hall, in our schools, at our work places, down our street and in our homes calling our names, knowing we were lost.  Most of us didn’t realize our lost condition, but He did and He pursued us with everything He had.  In fact, He gave His Son, Jesus, to pursue us, to seek and search for each one of us. His love as a parent was and is reaching out to us, beckoning us to come follow Him and never be lost again.  Have you answered His call?

 

I will search for my lost ones who strayed away, and I will bring them safely home again.(Ezekiel 34:16 NLT)

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Challenge, Encouragement, Marriage, Men, Parents, Women

9 Ways to Strengthen Your Marriage and Grow Older Together

Over 44 years ago, Mary and I promised to never, ever use the “D” word when it came to our relationship – divorce.  We have kept that promise.  Along the way we have discovered there are a lot of things we can do as a couple to provide strength to the marriage relationship.

After eliminating the divorce word, decide to maintain honor in your relationship.  Honor is a hard word because none of us act honorably every day, at every moment.  Honor means to hold in high respect and worth and high public esteem.  To honor the marriage relationship is to place it before the children, your job and your ministry, but not before your God.  Love God first and then your closest neighbor, your spouse.

 

Keep giving each other space.  That means when she needs some alone time, do your best to help her make it happen.  If he needs a guy’s night out, help him plan it.  That “space” can help to recharge your batteries and who doesn’t want their life mate to return refreshed?

 

Share your financial expectations and maintain your budget.  Money can cause the biggest disagreements.  At least it did in our marriage.  All too often couples have differing money values, but a money date where we openly discuss our goals and look over our finances can really help the two of us to be on the same page.  Money dates could happen as often as weekly, but need to happen at least monthly.

 

Speaking of communication…never stop.  In fact, over communicate as often as you can.  You just can’t beat talking!  Taking a daily time, at least 20-30 minutes of time that is not interrupted by the children, the phone or the TV, is invaluable to your relationship.  It will keep you on the same page.  Whether it’s the kids schedules or your weekend plans communicate, communicate, communicate.

 

Be good to yourself and to one another.  Take care of yourself and your health.  Try to look good for one another.  I know, you have baby food on your sweatshirt and dog hair on your pants, but for heaven’s sake take the time to clean up a bit, have dinner together once in a while and share words of appreciation and encouragement. It will go miles in your relationship. This also means prioritizing dating your spouse.  Dress up, get a babysitter and spend time together laughing and having fun.  The investment is worth any cost because the return is incalculable.

 

Give each other room for failure.  Failing is a part of life and through it we often learn what doesn’t work.  I fail, you fail, we all fail.  Stop being so hard on the other person, acting as though you don’t fail.  When we give room for failure, we are showing good will and giving one another the benefit of the doubt.  Walk and talk through it and then forgive. Forgive quickly. Forgiveness is medicinal and we are both desperately in need of it.  Forgive as you have been forgiven.

 

Refuse to allow sexual intimacy to be stolen from you.  It’s yours and yours only. While frequency may decrease and children make it challenging, do not lose it.  Create a schedule if you have to and maintain it.  Nothing removes the “little foxes,” those growing annoyances, like love-making and nothing keeps passion alive like sexual intimacy.  Make a promise to yourself, to one another and to the God who gave this gift to you to never let it go.  You are one and sexual intimacy reinforces your oneness.

 

The glue that holds all this together?  Prayer.  Learn to pray together.  There is no better way to communicate, resolve issues, gain wisdom or “cast your care” than to pray together.  You will find the intimacy you have only dreamed of if you’ll pray together.  You will discover answers to lifelong problems, to long-term financial disagreements, to present frustrations and to future visions and goals.  Prayer is intimacy of the highest degree in marriage as together we reveal our hearts’ desires to God and to one another.

 

Lastly, seek the wisdom of others as needed.  None of us can go it alone.  We need mentors: older, wiser married couples in our lives.  We need a local church that provides teaching for our family and causes us to look beyond ourselves and to the mission of helping others.  We need those who will challenge us to be better parents, lovers, friends, employees, business owners and servants.

Read through this blog together, discuss it and then ask your life mate how the two of you are doing in the above areas.

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Challenge, Children, Encouragement, Parents

Have You Ever Felt Like a Failure as a Parent?

There is a truth revealed concerning child rearing in I Samuel chapter eight in the Old Testament. Samuel was growing quite old so he appointed his sons as judges over Israel.  “But his sons did not walk in his ways.  They turned aside after dishonest gain and accepted bribes and perverted justice.”  (I Samuel 8:3) It was after this that Israel desired a king rather than being ruled by a judge.

 

So often blame is placed upon Samuel for how his sons carried out their new-found power.  Had Samuel failed as a father?  The scripture does not indicate that he did.  Samuel’s sons made their own choice and Samuel was not faulted for those choices.

 

I have seen difficult children come from great families and great children come from difficult families. We like to think there is a guarantee, but at the same time, I have never met a parent with adult children that said there is a guarantee our children will walk as we’ve trained them to.

 

Our children, given the truth of God’s word, still live with freedom of choice and free will.  Can we as parents be good enough parents that somehow God is beholden to, indebted to go against their own will?  As well, the opposite is also true.  We, as parents can mess up and yet our Father is generously compassionate and merciful beyond anything deserved.

 

If your children are not walking as you expected then pray, ask God and do not walk in condemnation and failure.  Rather, walk in faith.

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Challenge, Children, Encouragement, In the news, Issues of the Day, Parents

Voting Has a Direct Effect Upon Life In The Womb

For you created my inmost being; you knit me together in my mother’s womb.

 

I praise you because I am fearfully and wonderfully made: your works are wonderful, I know that full well.

 

My frame was not hidden from you when I was made in the secret place, when I was woven together in the depths of the earth.

 

Your eyes saw my unformed body: all the days ordained for me were written in your book before one of them came to be.  Psalm 139: 13-16

 

Rescue those being led away to death; hold back those staggering toward slaughter.

 

If you say, “But we knew nothing about this,” does not he who weighs the heart perceive it?  Does not he who guards your life know it?

 

Will he not repay everyone according to what they have done?  Proverbs 24: 11, 12

 

Today we see the direct result of how we cast our votes.  Is your allegiance, is your passion to Jesus and the lives He created for life?  If the godly do not care, who will?  Thank you New York state elected officials for this reminder.

 

Children are a heritage from the Lord, offspring a reward from him.

 

Like arrows in the hands of a warrior are children born in one’s youth.

 

Blessed is the man whose quiver is full of them.  Psalm 127: 3-5

“Father, forgive us for this sin of selfishness and the sacrifice of innocent blood.”

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Challenge, Children, Encouragement, Parents

Don’t Just Cry About It; Do Something!

There it was, 15 feet up, stuck on a tree limb.  My grandson’s favorite stuffed animal hanging and lodged by a single leg now out of his hands and his control.  In his five-year-old mind it seemed permanent, so he cried and cried.  He imagined it gone from his life forever and thus the emotion.  We held him to console him and then said, “There’s no need to cry. Let’s work on a solution to the problem.”  When asking him what we could do about the problem he shrugged his shoulders and whimpered, “I don’t know.”  We asked him if crying could be part of the solution and he managed to shake his head no.

 

He just couldn’t seem to muster up any viable solution so Mimi (grandma) abruptly retrieved a long-handled broom and asked him if this could help.  He looked at the broom and then the stuffed animal in the tree and said, “Maybe.”  Having no other ideas coming from our grandson, grandma began to whack the tree in order to loosen the lodged friend.  He found the exercise funny and began to laugh as the stuffed toy now hung by one arm. Eventually “Nigel” fell to the ground and was quickly grabbed by his owner.

 

I just know we’ll have something “stuck up in a tree” today and it will take a solution. Or, we could just cry about it.  Why is it that we tend to have an emotional response first? Our initial response is truly up to us, be it tears, anger or silence, but in the end, like my grandson, we’ll need a solution.

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Challenge, Children, Issues of the Day, Marriage, Men, Parents, Postmarital, Women

Eight Huge Benefits of Becoming Debt Free

My wife and I have been practicing debt-free living for years now.*  I say practicing because it takes discipline to reach and discipline to maintain.  So here are eight encouragements or benefits that we have discovered when it comes to debt-free living.

1. Freedom: My wife and I feel so free – free to give, free to purchase and free to save for the future.  We have more money to do these things rather than being enslaved to and feeling the pressure of our debt.

2. Ownership: Owning your car or your house is an amazing feeling that continues the feeling of freedom.  You will have less stress in your life.  Who doesn’t desire less stress?

3. Agreement: You will have and discover a greater sense of agreement in your marriage and your family.  If you’ve agreed to become debt free and you reach that goal, what else can you agree about and reach?

4. Children: Your children will see you more often. You will not feel required to sign up for all the overtime you possibly can.  And besides, you’ll be an amazing financial example to your kids, your family, your friends and your neighbors.  If you can do it, you’ll be helping them to believe they can too.

5. Opportunity: Becoming debt free automatically provides better opportunities to give more money away, to help someone in need.  Rather than feeling that feeling of tightness, you will be looking for and watching for investment opportunity to increase your finances and have the cash to do so.

6. Security: You will be and feel far more secure. Debt increases the feelings of insecurity and rightly so.  You may be one last paycheck from disaster with an ongoing debt load.  While being debt free there is far less fear of financial disaster and crisis.

7. Servant: The Scriptures tell us that the borrower is a servant to the lender. Whose servant are you?  To be debt free is to not be encumbered by enslavement to another. You are literally no longer enslaved to your job or the next unexpected car repair or house repair bill.

8. Savings: You will grow a savings account and an emergency fund faster.  Your retirement savings fund will grow faster.  Your college fund for your children can grow faster.  Every savings fund can realize increase when you are no longer borrowing and having to pay back another co-owner with interest.

And if all that’s not enough to convince you, how about this?  You will have less arguments over money in your life.  If married, you and your spouse will enjoy less financial disagreement and more financial agreement.  You’ll have more resources for eating out along with short and long-term vacations or mission trips. Living debt free loosens what has been wound tight for so long.  Purpose in your heart today and begin taking steps to become debt free.  You’ll never regret it.

*A point of clarity concerning living debt-free is investment for growth. Some consider investments that grow in value, like real estate, to not be debt.  I would consider it debt with the opportunity for growth/gain in value or perhaps “good debt.”

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