Hope for your financial life and beyond

A Christmas Memory That Still Challenges Me to This Day

I love the Christmas season. Yes, it’s hectic. I know, it’s cold. Yes, travel is a nightmare. Each of those issues may bring back a Christmas memory you’d rather not recall.

a christmas memoryDespite all that, I look forward to Christmas. Always have. As a young child it meant a trip to my grandparent’s house in Indiana each year. We’d usually stay for a week with the rest of the extended family crammed into the house. My sister and I camped out on air mattresses in my grandfather’s study.

I don’t know how my grandparents did it, especially my grandmother. Cooking for 15 plus people for the week must have been exhausting. In fact, from our sleeping position in the study, my sister and I could see the light of her bedroom and the kitchen click on early – EARLY – each morning. She always pulled it off though with the perfect mixture of meats, fruit salads and desserts that we all liked.

It was crowded in that house but for a young child, it was as close to nirvana as one could come. So many things happened during the week that were out of the routine. There were later bedtimes, watching endless TV (sports) with my uncles, playing in the snow outside and having a steady stream of board games going on the inside.

But what I remember more than anything – and what ended up touching my life the most to this day – was our annual gift exchange.

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Why I’ll Cherish Every Moment of the Next Four Years

It’s a Milestone Monday of sorts at our household. Today at 7:45 I’ll be dropping off our four kids for their first day of school. That may seem ordinary but it’s not the start of just another school year for us. This year is a bit more special.

hourglassOur oldest daughter Kelly is entering high school.

14 years down.

4 more to go.

Four more years until…

…she likely moves out for the first time.

…she doesn’t regularly join us at the dinner table.

…she isn’t in our home church each and every Sunday.

…she really learns what it’s like to depend on herself.

…we face the college tuition bill (oops, sorry…that’s a tangent of thought for another day).

I used to not care about this stuff. When she was two, high school and college seemed so distant. I’d find myself in circles of older parents who would say, “Cherish these moments because it will fly by so quickly.” I’d politely nod at their exhortation and think, “Sure, sure…I won’t miss anything.”

Now I wonder where all the time has gone. Why did it happen so fast? How can it be 14 years since my first child was born?

Ironically, now I’m the older parent sharing the value of cherishing time with those just getting started on the journey.

Everything Has Its Time

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How to Manage Your Side Hustle and Family Life So You Don’t Go Insane

There may come a time in your life where you want to or need to create a side hustle to earn extra income. A side hustle can be many things depending on your skills and the depth of your need. Regardless what you choose it will be something you do on the side (apart from your day job) to bring in additional money to the family budget.

Side hustles can be a financial blessing. They can help you build up your savings account or pay off debt or meet any a number of financial goals you might have. A few bloggers I know have turned their writing side hustles into full-time jobs and now run their own personal finance websites. Others, like my friend Cat Alford at Budget Blonde have figured out how to make a full-time income from writing for popular blogs. Now she is teaching others to do the same in a brand new course she has developed – Get Paid to Write for Blogs.

side hustle IIIWhile the additional income of a side hustle is welcome there is a dark side that many are unprepared for. Side hustles done improperly can be a curse on family life.

It’s one thing to have a side hustle if you are single. I remember talking with a blogging friend last year who told me how he’d work his 9 to 5, take a 30-minute dinner (maybe) and then work till past midnight writing and networking. I’m not saying that’s necessarily an easy schedule but it’s not like you have anyone else to account for. It’s just you.

When a spouse and/or kids are in the picture side hustles take on a whole different dimension.

The first thing you’ll notice is the tension that surfaces the minute one member begins a side hustle. What was a normal life is no longer normal.

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5 Articles Worth Your Time (1/5/13)

Here are five great articles I read this week. Enjoy your weekend reading!

10 Ways to Be Rich Without Being Wealthy (Money isn’t everything. Check out other ways your life can be rich.)

How to Stick to an Exercise Program (Want to get in shape in 2013? You’ll need to do these 5 things.)

Why Is My Paycheck Smaller? Understanding Your 2013 Paycheck (This article discusses reasons you are not bringing home as much money in your paycheck in 2013.)

The Advantages of Being a DINK (Dual Income No Kids) (This one is for all you young married couples out there – or for you parents who dream of being a DINK again some day.)

5 Ways to Build Savings (Here are some helpful ideas to help you save more in 2013.)

Bonus Read:

6 Ways Your Brain Attempts to Sabotage Your Goals and Dreams (Don’t let your mind play tricks on you. Beat it today!)