Entrusted Recipes: Summer Salad with Brown Rice

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A little while back I stumbled upon a recipe video online where the chef put cooked brown rice on her salad. I had never seen such a thing done, but it looked so yummy that I tried it immediately. It was a game changer! I absolutely loved how the rice added new texture to my salad, and how much heartier it became. It is now my go-to for building a healthy and fast salad that can stand-alone for a meal.

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I usually throw together a random assortment of on-hand ingredients to build my salads, but I’ll share one of my favorite combinations. (Calling it a “recipe” is a bit of a stretch, I will admit...it’s more of a “suggested guideline”.)

The best trick I’ve found for incorporating brown rice easily into my diet is to cook a big batch over the weekend. We usually grill a bag of chicken breasts on weekends as well, to have on hand during the week. Having these two things in the fridge, along with a fresh bag of spinach, makes healthy summer lunches quick and accessible.

To make my favorite salad, start with a heaping fist full of lettuce in a large bowl. I like to use a spinach & arugula mix, but any combo of dark leafy greens that suits your taste buds is fine.

For dressing, I keep it simple and use olive oil, lemon juice and sea salt. Toss your lettuce in this mixture.

Next, top with a heap of brown rice. For all of these ingredients, you can use however much you like. I usually use about half a cup of brown rice. To me, it tastes fine even if it’s still warm from cooking, but it’s even better pre-cooked and refrigerated.

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That’s all you need for the base of a great salad!

For toppings, my favorite combination is:

  • cubed grilled chicken
  • sliced avocado
  • dried cranberries
  • chopped apples
  • sliced almonds & chopped pecans
  • and sometimes a little blue cheese
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This is definitely one of those recipes that you can experiment with, depending on what you have on hand and what suits you. But give the brown rice a try as you’re building—it might be just the healthy and hearty zip your salad needs for the summer.

Posted on June 6, 2018 and filed under Building Your Home.

Tips for Success: Potty Training Little Ones

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After I had several children I realized something. When one of my children struggles with something, it is possibly a reflection on my parenting. When a few of my kids struggle with an issue, it is probably due to my lack of training or consistency. Right now my boys are really struggling with picking up toys right after they play with them… yep, I have not been consistent enough there, and I need to be more intentional.

The same rule is true for positive traits. All of my kids LOVE to read and look at books. This is something I took great effort to foster in them. I can take a little credit for that in my kids. Another area my kids have done amazing at is the potty training phase. I have potty trained three boys… all by 27 months.

My oldest son began potty training at 26 months. He nailed it. Finally--his strong will was helping me in an area! He was motivated, and it was a breeze.

I assumed my second son would be more challenging. He has always been the one that likes to drag his feet a little on milestones. He is just more laid-back and doesn’t usually feel the need to prove himself. However, he was showing some interest at 25 months, so we gave it a try. I was blown away at how quickly he picked it up.

My third son was 23 months when we tried to potty train him. He exited the womb wanting to be like his big brothers, so it was a quick process.

And I’m not just talking day-trained, they were set for nights pretty quick too. Have they all had instances that they get their underwear wet at playdates because they are having too much fun to stop and use the restroom? Yes, but for the most part, my work was done early on. (Releasing that fact into the blogosphere makes me a little nervous that my fourth will give me a run for my money…. :) )

*This is not a “How To Potty Train” post, but rather a resource as you are compiling ideas. I don’t know exactly why this was so successful for me, but I can tell you what I consistently did that seemed to help my kids.

Just as with many parenting phases, you have to decide whose will is stronger and if you will buckle when it gets hard. When parents say “I just don’t think he’s ready yet,” sometimes they are saying they aren’t ready to do what it takes. I’m not saying that’s wrong; it’s good to know yourself and what you are ready for. And just as with other parenting decisions, you and your spouse need to be a united front. When it gets hard, you don’t want your husband saying, “Do we really have to do this now?” You’ve started. It is confusing for your child if you stop. (Although I know there are rare circumstances that you may need to turn back because of a medical issue. For example, my pediatrician told me that occasionally when children with normal development have an unusual amount of difficulty potty-training, it can be because of an ENT issue. This is just something to consider if you face this challenge.)

Tips:

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  1. Start “potty training” way before they are ready.  One way I prepared my kids was unintentional, but extremely effective. I used cloth diapers. If you’re reading this, it’s probably too late for you to jump on that train, but it worked really well for us! Cloth diapers don’t stay as dry as disposable diapers, so these kids love the feel of the dry underwear. It makes them very motivated to stay dry! This next tip will sound weird…. but for awhile before I started potty training my oldest, I would “encourage” my husband when he went to the bathroom. He would leave the room, and I’d say things like “Good job listening to your body, Daddy!” Then Lincoln was really excited to be like his daddy in this way.
     
  2. Set proper expectations. This will be hard. Even if it’s only hard for 3 days, it will most likely be a hard three days. There will be stain treating, accidents, and you’ll probably question yourself. With that said, don’t add any chaos to that recipe. Clear your calendar for the week as much as you can. Put your phone away. Be all there. You will be more successful if you aren’t distracted by other commitments. If possible, ask for help with your other kiddos.
     
  3.  Be ready for lots of quality time! Be prepared with activities. Gather age-appropriate puzzles and games, and play dough. You may be thinking--Ewwww! Play dough in the bathroom?!?!?!?  Some people prefer to camp out in the bathroom for a time. I actually got a large tarp to cover my living room floor so we could do life while my little guy was learning. This was largely due to the fact that I did not have a bathroom on my main floor… so you take your pick. I did really like that we had plenty of room for playtime while he was sitting on his little potty. Maybe you’re still thinking I’m gross, but I stand by my choice… and my essential oil disinfectants! Also consider renting some potty training videos from the library. I allowed a lot more screen time than I usually did to make sure my son stayed on that potty!
     
  4. Water, snacks, water, juice, and more water! You will be pumping that kiddo full of fluids so they can be successful. The more they drink, the more they need to go, and the quicker they understand the connection.
     
  5. Have a reward system in place. I bought fun underwear for my boys to start the process, but I also started a sticker chart. They needed something tangible to see their progress. I discovered a tricky part right away with this, however. Do I give a sticker for staying dry for a certain amount of time, or for going in the potty? Both are reward-worthy. My middle son can hold his bladder much longer than my other kids. I didn’t want to punish him for it. I decided I would reward him for every half hour that he stayed dry as well. To be honest, I can’t remember what my kids got when they filled up the sticker chart…. I think they were pretty excited about the stickers themselves! Whatever it is, you don’t want to make it too amazing because you want them to be intrinsically motivated to keep up the pattern.
     
  6. Foster an atmosphere of family encouragement. If you have older children, make sure they are supportive. Let them share how why they like being a “big kid” now. Also, commit to staying positive. It is important that you don’t shame your child when they aren’t successful. Be ready to explain something that was hard for you to master right away.
     
  7. Have a Scripture to meditate upon. Ephesians 4:1-3 says, “I therefore, a prisoner for the Lord, urge you to walk in a manner worthy of the calling to which you have been called, 2 with all humility and gentleness, with patience, bearing with one another in love, 3 eager to maintain the unity of the Spirit in the bond of peace.” Sometimes this is my challenge to myself when I’m in a tense parenting moment. If I can allow the Holy Spirit to reign in my flesh, and walk with humility, gentleness, patience and love, I know I have been successful. Write your verse where you can see it so you remember to be gracious even when you are exhausted or frustrated.

I encourage you to ask friends and family for tips before you begin. You want to start out well-informed so you can be faithful! Godspeed, Mamas! You got this!

Posted on May 30, 2018 and filed under Building Your Family.

When it's Hard to Forgive: I’m Only Hurting Myself

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We teach our kids that it’s the right thing to do. We encourage others to do it so they can heal. We know the Bible tells us to do it and we’re only hurting ourselves if we don’t. So why do I backtrack when I’m faced with the fact that I need to extend forgiveness?

 

 

There are some situations where it’s relatively easy to forgive another person, like when my five-year-old tells me she’s sorry for being sassy. I forgive her immediately. It helps that she has red hair and is beyond adorable.

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But then there are situations that leave me so wounded that the act of forgiveness is beyond comprehension and even repulsive.

I spent most of my life in one church. It was my home. I knew most everyone and they knew me. At one point both my parents were on staff. My husband and I were married there, dedicated our three babies there, and spent countless hours serving in various ministries. There were high points and low points – just like with any church.

During a very low point, some things happened that grieved me very deeply. There were situations along the way that signaled something wasn’t right but I didn’t put the pieces together until much later. When I did finally learn the truth, I crumbled. And that’s when my husband and I felt released from the church. We didn’t want to leave if God wanted us there because it wasn’t our choice. It was His. But He let us know that He was releasing us.

For those of us who are really invested in our churches, this is a big deal. It’s painful. It’s like breaking up with someone you’ve been dating for thirty years – which was how long I had been there. There were some nights I lay on the bathroom floor, trying to stifle my sobs so I wouldn’t wake the family. I was sad and felt hopeless. I was really angry and for many reasons, reconciliation was not possible at that point.

It’s been two and a half years since we left that church but I’ve been recently hit with a 2x4 regarding everything that happened: I still haven’t extended forgiveness. I still harbor anger and bitterness toward those who hurt me. Sometimes I think I’ve moved on, but then something triggers a memory and the bitterness that I thought was gone rears its head again.

Here’s what I’m learning: For many reasons, there’s a good chance I will never be able to reconcile with those who hurt me, but I cannot continue to live with bitterness and anger. It’s strangling my heart and mind, affecting my eating habits, and I’m so very weary.

But I still don’t want to forgive because that feels like I’m letting them off the hook. I’ve been asking myself why I have to forgive at all. Why can’t I just keep living like I am – not forgiving isn’t really doing any harm, is it? “Be kind to one another, tenderhearted, forgiving one another, as God in Christ forgave you” (ESV Eph 4:32). There’s my answer. I am to forgive because Christ forgave me. It’s the right answer, but I still struggle to accept it.

My parents have a small garden on the side of their house. My mom plants cucumbers, tomatoes, and pumpkins. I love the free cucumbers. The tomatoes? I’m not a raw tomato fan so my husband eats his fill of those.

One year my mom noticed a vine growing in the garden. It had white flowers and crawled and weaved its way through the growing plants. What she didn’t realize is that while this vine was pretty, it was a killer. It was a Bindweed. It wound itself around the other vegetable plants until it strangled and killed them. What appeared to be harmless was deadly.

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The bitterness of an unforgiving heart is like this vine – deadly. I’ve known it was there, but I didn’t think it was doing any harm because as time has passed, I’m not as angry or bitter. But it’s still there, under the surface, slowly strangling my heart and the only way to kill the vine is to forgive and cut off its supply. I need to forgive even when those who hurt me haven’t apologized. I’m not responsible for them. I’m responsible for me and having an unforgiving spirit is not biblical or Christlike. It’s not what I want my kids to emulate and it’s not the example I want to set for others.

“Bearing with one another and, if one has a complaint against another, forgiving each other; as the Lord has forgiven you, so you also must forgive” (Col 3:13). The ESV says I MUST forgive. It doesn’t give me a loophole. There isn’t a clause attached to it that says I must forgive only if the other person has apologized.

I haven’t been able to completely release my anger and bitterness. It’s something I have to work on daily. But now I’m more keenly aware of it and its effect on my life – family, work, service, health. Even if I never hear a sincere apology, I will answer to God regarding my part – have I forgiven? If I don’t forgive, I’m not getting even with those who hurt me. If I don’t forgive, I’m only hurting myself.

Posted on May 24, 2018 and filed under Building Your Faith.

5 Habits of a Healthy Marriage

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My husband and I are fast approaching our 14th anniversary. That’s pretty hard to believe. It’s also hard to believe that, aside from the occasional misunderstanding, we’ve had a really happy and peaceful life together so far. As I analyze why we get along so well, I keep coming back to the same things.

We treat each other gently, communicate openly, pay attention to each other’s needs, spend time together, and have common interests. I don’t remember anyone giving us the formula, or even being very conscious of keeping to it. But these 5 simple things have, in a compound way over the years, deepened our friendship, love, and dependence upon each other in exponential ways. Conversely, I’ve seen marriages where the lack of these practices erodes friendship and love, as years pile upon years of neglect and regret.

1.             BE GENTLE WITH EACH OTHER

I am careful with my husband’s feelings. I try to speak to him as kindly as I would any other friend or acquaintance. That’s not to say that I would ever withhold the truth or hide my true feelings from him, but that when I talk to him I don’t take him for granted. It’s easy to lash out at those closest to you when you’re frustrated or having a bad day, but we really try not to fall victim to that temptation. We’re respectful of each other’s feelings and we are gentle in the way we say things to each other.

2.              SAY WHAT YOU NEED

I think this is a particular struggle for a lot of women. They expect the people in their lives...their mom, their friends, and especially their husbands, to be mind-readers. No one can read minds, and no one, no matter how well they know you, really knows exactly what you need when you need it, all the time. (And as someone who is terrible at reading a room or sensing felt needs, I have to implore you on behalf of my fellow ignorants. Just tell us what you need!) More than likely, your husband wants to take care of you and meet those needs. You’ll have to be brave, and express them. Yes, you open yourself up to rejection if he says no, or refuses. But won’t you feel better, and more confident, having said it out loud? Be done with the cycle of disappointment in someone who wasn’t even given a chance to know how you would have liked to be helped.

If your husband isn’t hearing it the first time, try writing it down for him. My husband is a spectacularly bad auditory learner, but if I put something on a list it will be done within hours. Other husbands would balk at being given a list...so, learn your husband’s communication style and express yourself in the best way for him to truly hear you. Writing it down is one way to ensure he knows how important this is to you.

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You also have to be specific. You can’t just say “spend more time with me,” because that’s vague and unattainable. You’ll be setting yourself up for more disappointment, because he still has to read your mind to know how much or how often you expect. Instead, say (or write!) “Have breakfast with me every Monday from 8-8:30.” This is something he can check off a list.

3.              TAKE CARE OF EACH OTHER

Now since we can’t change our husbands, we can only be responsible for how well we perform in each of these categories. But hopefully, if you’ve been gentle with him, and if you’ve openly communicated your specific needs to him, he will rise to the occasion and meet them. But even if not, you need to find ways to take care of him. I am not advocating for a woman who’s already drowning to put more responsibility on her shoulders. Don’t enable him to carry even less of the load by doing more to pick up his slack. But, assuming all things are equal, then be his helper. My husband is kind enough to do all of our grocery shopping. But I make sure to jump up from what I’m doing and help him unload the bags when I hear the garage door open. When he’s working on the house, I will be in charge of the kids and make myself available to help measure or carry a load. And if he asks me for help, I always say yes. If he was brave enough to ask for something, I’m going to give it.

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4.              SPEND TIME TOGETHER

It’s very easy for life to get away from you, and to feel like ships passing in the night. There are three major things that come between married couples: work, house, and kids. That last category is especially dangerous, because it feels like you’re focusing on something noble. You are...just not when it’s at the expense of your marriage. I’ve seen this many, many times, especially from dads. They’ll plan a family outing or take the kids for a bike ride, but the kids are just a shield from the wife that he should be investing in. His guilty conscience is assuaged because he’s being a “good dad,” but his wife is left lonely and starving for his attention. Not ok. Family time is wonderful, but husband-and-wife-alone-time has to be a priority. Women do this (and I’m guilty too!) when we spend all night putting the kids to bed, or falling asleep with them while tucking them in, only to have nothing left for our husbands. It’s totally fine to do that once in a while (or when they’re babies, because seriously, #itsaseason), but if you’re spending every night with your kids and never meeting up with your husband at the end of a day to debrief, then some habits need to change. You’re teaching your kids that they’re your priority, and your husband is not.

5.              FIND COMMON INTERESTS

This is really hard for women, because really, guys like the dumbest stuff. Basketball, superheroes (ok, just mine?) golf (the worst!) or cars...whatever the guy thing is, I know it’s hard to get interested in it. But can we just admit for a second, they have it worse? Vintage shopping? Crafts? Snooze! The reason you got married is because you were best friends, and best friends have common interests. They do things together and have fun together. You have to try to find them, and if he isn’t budging, then you’ll have to cross over to his side. It won’t be hard forever. As it turns out, if you can find a team to get behind, basketball isn’t boring. And thanks to the Marvel Cinematic Universe, superheroes are fun now too. I am proud to admit that I was with my husband on opening morning of the Avengers at 8:30 AM (kids dropped off at school), wearing his Spiderman shirt. And after all this time, I was every bit the excited nerd about it that he was. I know that married couples can find this kind of common ground, and they’ll be stronger for it. Go have fun together!

Posted on May 9, 2018 and filed under Building Your Family.

Wishing Life Away

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I’ve been very fortunate to have gone through the Entrusted Bible Study three times now. Two of the three years, I’ve learned from Betsy in-person as she’s taught moms at a church in the Chicago suburbs.

Each week I come away from the study with a phrase that sticks out above everything else.

I’m not always quick to put the lightbulb phrase into practice like I should, but some weeks I can’t help but ponder and act on it.

One phrase that convicted me deeply is “Wishing my life away.”

For most of my life, I’ve been wishing for the next phase:

I wished to get my masters

I wished to be married

I wished for kids

I wished to stay home with kids

I wished for more kids

I wished for kids to sleep through the night

I wished for more freelance work

I wished for less freelance work

I wished for all the kids to be in school

I’ve learned something about myself in the past couple months between the Entrusted Bible study and a sermon series at our church: I feel like I continually need something big happening in my life or I need to be planning and preparing for something big to happen – I need to have a focus. I can’t enjoy where I am. I need to do something like rearrange the house, go back to school for a second masters, or make an out-of-state move. I spend so much time longing and wishing for something new that I don’t stop to appreciate where God has me right now. And when I think about it at a deeper level, I’m convicted even more because the place I am now is the place I’ve been wishing to be!

Case in point: My husband and I prayed earnestly for children, especially after we had three back-to-back miscarriages. Now we have three kids and I’ve spent more time than I should have anticipating when they’ll all be in school. Our youngest is three and has a speech delay. Because of his speech delay, he qualifies for preschool through our district where he receives speech therapy. He’s now in school five mornings a week. Our oldest is in first grade and our middle is in pre-kindergarten three full days a week. I now have three mornings each week that I’m kid free. I didn’t think it would happen this soon and while I enjoy having these mornings to myself, I do regret spending more energy and time wishing for this phase than I should have.

In Ephesians 5:15-16, Paul warns the people of Ephesus to “be careful how you walk, not as unwise men but as wise, making the most of your time, because the days are evil” (NASB). Am I making the most of my time? In short, no, I’m not. I spend too much time wishing for the next phase or challenge instead of cultivating a grateful heart and appreciating where I am – even in the mundane things like driving all three kids to school, picking up the youngest three hours later, and then picking up the two oldest three hours after that. That can feel like a rut really fast. But you know what? When I was single, I wished for the time when I would get to drop off and pick up my kids from school. And now I get to do that. Even the monotony of my weekdays are fulfilling the longing my heart had so many years ago.

James 1:14-17 says, “But each one is tempted when he is carried away and enticed by his own lust. Then when lust has conceived, it gives birth to sin; and when sin is accomplished, it brings forth death. Do not be deceived, my beloved brethren. Every good thing given and every perfect gift is from above, coming down from the Father of lights, with whom there is no variation or shifting shadow.”

Is it wrong to wish for a new phase of life? No. Is it wrong to plan and work towards something? No. The problem occurs when that wishing or planning becomes the focus and obsession. When I allow myself to become obsessed with and carried away by my lusts – my plans, my wishing for something new – I am sinning.

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For the sake of my husband, kids, family, employers, and most importantly, for the sake of my relationship with God, I am determined (though I know I will fail at times) to be grateful. I look at my list of wishes from the past fifteen years and marvel at how God has worked to bring about His will in my life. Not all my wishes have come to fruition or have happened how I had hoped, but many of them have come about and the phase of life I’m in right now is one that I prayed for earnestly for many years.

I’ll still have fun thinking of how I can rearrange the house and I’ll enjoy the increasing freedom I have on weekday mornings, but I’m not going to focus so much on wishing for a new phase or focusing on a big life change in place of appreciating the phase God has me today. I’ll never find contentment and rest doing that.

Posted on April 25, 2018 and filed under Building Your Faith.

That Takes the Cake: learning what your child truly values

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“Ryder, what was your favorite birthday cake Mom ever made you?” Lincoln inquired as we were looking for ideas for his coming celebration. Each child only has a party every five years, but they are allowed to pick out a cool cake for their special day even if it will only be enjoyed by family.

“The sprinkle donuts! They were awesome!”
My jaw dropped. “Oh really? Better than the Paw Patrol or Transformer cakes?”

“Yep. I loved the sprinkles.” Ryder replied.

“I’m glad you liked them, Sweetie.” Inside, I was stunned. I am not a professional baker; I am just a mom. That means I have bent over backwards and traded many hours of sleep for some of the elaborate cake requests my kids have given me. I don’t usually like to post pictures of these things because I’m not trying to be a Supermom. I am just trying to make my kids feel special and loved. Anyway, to get the irony of his response, you have to see the cake line-up...

For Ryder’s first birthday, I ended up making three cakes in honor of my little guy’s party because he was always hungry and he scooted like a caterpillar…

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There was the year that every cake picture was met with a “No!” until the minion picture made him throw back his head and laugh… how could I resist?

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And the next year Paw Patrol was his absolute favorite, so he thought the lookout tower was pretty epic.

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Then Transformers became the new craze, so I labored to make that one happen too.

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Hearing that a funfetti cake mix poured into a donut baking pan beat out all my fondant handiwork was a little hard to swallow. This year Ryder’s birthday fell in the middle of a chaos storm for our family. Treats are his love language, and I felt awful that I wasn’t able to make his dessert more special. The result was so lackluster that neither his dad nor I thought to get a great picture of the donut tower, just a video of the birthday boy blowing out his candles. And here he was saying it didn’t matter to him…

It got me thinking. Why were these donuts so special to him? I didn’t even waste any calories finishing one, so it certainly wasn’t the taste! Perhaps it was because he helped me make them from start to finish. He made the donuts, and the glaze, and he poured the sprinkles. He has helped me make cakes in the past, but since I stay up way past his bedtime making them, I have opted for the morning grand reveal. Perhaps the process, and time spent with mom, is more important than the result for this kiddo--especially if there are taste tests!

A few days later was my youngest son’s birthday. He loves anything Cars and has food allergies, so I made him a homemade cake and put some of his plastic cars and sprinkles on it. He was thrilled with the results!

“Wow, Mom! Thank you! It looks great!”

Even my six-year-old, whose response to the Paw Patrol cake is still, “But where is the slide for the Lookout Tower?!”, was satisfied.

This was interesting for sure. Everett hadn’t helped, but because it had his favorite characters he was thrilled. (But don’t the fondant characters count too?!? Apparently not… ) After we went to a matinee with Grandma, and had a nice dinner at home, we opened presents. We had purchased him a large Lego creative set, so I suggested a family building time. We spend the better part of an hour all building what we could with our pieces and sharing them. It was so simple, but it was a special time as a family and my little guy was happy as pie. His birthday was a success in his eyes.

A few days later we had dinner with friends, and I had my sons create some cake decorations. We bought a little cake--something I never would have done in the past--taped their handmade drawings to popsicle sticks, and stuck them in the cake with a few toys. They were so proud of their hard work. Once again, I realized how much joy it brought my kids to be a part of the process/decision-making aspect of the birthday cake. And in the end it probably is more about spending quality time together than having sugar art that will be destroyed instantaneously. This may differ from child to child. I really do believe personalities affect what we appreciate most. However, listening to our kids about what is important to them is the key.

In the future, I still plan on making some elaborate cakes and desserts, but I don’t think I will hold myself to that standard every year. Instead I plan on creating a birthday experience in which my child’s input and values are key. And this is not just a concept for birthdays. It is for the everyday. Not creating a child-centered home, but creating an environment in which the child knows they are valued and loved is a worthy goal. Just as Betsy has always emphasized with the “Fifteen Minutes a Day” approach, we need to realize that having US is better than any treat or experience. Being present is what our kids long for, especially when we are in busy seasons of life. Simply do whatever you can, so you can lie down on the carpet and drive cars or sit down on that tiny chair and have a tea party. THAT is what they will remember.

I realized something else through this too. It isn’t about my kids. It’s about God. God knew I was at max capacity. He knew that phoning in a donut cake mix was the best I could do at the time. And somehow, He helped my little boy see the fun in it. Ryder wasn’t meditating on what he missed out, he was thankful for what he had. I believe it is evidence of God swooping in--yet again--to bring good out of hard times. As I strive to follow Him in my parenting in the future, I will trust He knows where my efforts are best spent. Seeking Him and being there are sure to top the list.

Posted on April 18, 2018 and filed under Building Your Family.

How to Prepare Financially to be a Stay-at-Home Mom

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When you have a baby, there will be plenty of changes to cope with...lack of sleep, a completely new body, emotions, lack of sleep, figuring out how to change a diaper...lack of sleep. Not to mention that you’ll be responsible for raising a human being! The last thing you want to worry about is finances, so planning now will help that to be less of a concern when the time comes.

Every family will need to decide whether they are going to have one parent stay home, or whether they will need to afford childcare. Either way, caring for your new baby is going to be a large financial hit. I always knew that I wanted to stay home with my kids, but even if you aren’t sure yet, planning now will allow you the freedom of choice when you finally become a mom. Here are 5 things you can do, starting today, to prepare financially for full-time motherhood:

1.             Start Living on One Salary (As Soon as Possible)

My husband and I began living exclusively on his salary from Day One of our marriage. Having talked about our goals for me to stay home when we had kids, we knew right away that this strategy was going to ease the pain of transition when that change came. And it’s certainly a huge financial change! You will go from being a 2-income-0-kids household to being a 1-income-1-kid household overnight when you decide to stay home. It is best to get used to living on that one income now so it won’t be painful after baby comes.

If you haven’t yet begun to live on one salary, make the transition as soon as possible. Take a hard look at your budget and see what discretionary expenses can be cut. Make the lifestyle changes that are necessary and make a plan if you can’t start immediately. Again, even if you aren’t sure that you want to stay home with your baby, you’ll simply be allowing yourself the freedom to choose to do so, if and when the time comes.

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2.            Bank Your Salary While You Have It

Now that you’ve figured out how to live and cover your expenses on one salary, begin saving the other spouse’s salary in the bank (assuming your debts are paid off first. Most financial experts will probably advise you to start there, but consult your financial planner if you have a lot of debt to address).

You’ll be amazed at how quickly it will accumulate, and believe me, you’re going to need it! This will become your all-important emergency fund, so that when your furnace goes out or another unforeseen expense arises, you can stick to the plan. If you’re able to save enough of a cushion, it can also be the account you draw from for an occasional splurge, like Disney World or a new minivan. (I know, I know, you’ll never drive a minivan. That’s what we all said.)

If you’re committed to staying home for the long haul, it could easily be 10 years or more before you are ready to re-enter the workforce. Your youngest child won’t be in school full time for 5 or 6 years, so having a savings account with a large enough cushion to last that much time will be ideal. It could only take 1-2 years to save a very large chunk if you’re banking your entire salary.

3.              Keep Some Money Just for You

When you decide to give up your job, it is interesting how you’ll feel like the balance of power has shifted. No matter how much both spouses are on board or how supportive they are of each other, it really feels bad not to have “your own” money. I was surprised how affected I was by the loss of my income. I felt like I wasn’t contributing, even though as a stay-at-home mom we definitely carry our share of the load. I also felt like I shouldn’t buy things for myself, like new jeans or a pair of Spring flats. So, I think it’s important to have a small amount of fun-money set aside, within your savings account, that is all yours. Maybe it’s only $2,000, and maybe your husband can have his own slush fund as well to keep things fair. But the rule is that it’s for you to do what you want with. Trust me, it’ll feel good to have that.

4.              Keep Retirement in Mind

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I’m certainly not a financial expert, so please consult one on this point. But one of the things we made sure to do when I left the workforce was to keep my retirement account active and receiving contributions. Don’t let your spouse’s be the only IRA to keep accumulating, because 10 years is a long time to be losing compound interest. Again, ask the expert, but I’ll caution you to not neglect your own retirement.

5.              Choose a Mortgage Carefully

When couples are ready to begin a family, they often start by buying a bigger house. Be careful that you stick to the one-salary rule when you make this choice! Only purchase a house that you can comfortably afford on one salary. There is nothing worse than being forced to go back to work when all you want to do is stay home and hold your baby. This is one of the most critical decisions that you’ll make to allow yourself the freedom to choose to stay home. So don’t get caught up in what is bigger and prettier. Choose a good house for your family, but be practical and don’t say yes if you can’t afford it on one salary.

I hope these tips will be helpful as you consider how to set yourself up financially to be a stay-at-home mom. I know that not everyone plans to make that choice, but the idea is to give yourself a choice in the first place. Good financial planning will give you that freedom.

Posted on April 11, 2018 and filed under Building Your Family.