Sparkling Kids Interview Series

Join me each week for the FREE SPARKLING KIDS Interview Series Helping you master the Parenting Every week I host experts, coaches, parents and teachers… and we discuss joys and obstacles in parenting and how to overcome them. Enjoy gifts and special promotions from the...

Sparkling Kids Interview Series

Sparkling Kids Interview Series

Join me each week for the FREE SPARKLING KIDS Interview Series Helping you master the Parenting Every week I host experts, coaches, parents and teachers… and we discuss joys and obstacles in parenting and how to overcome them. Enjoy gifts and special promotions from the guests. Visit  www.sparklingkids.com   to listen and/or download previous interviews and see who’s...

Playing the Life Lessons

Empower your Child for Life with Exciting Games for the Whole Family Have you been looking for a simple, fun and effective way to raise happy, prosperous and wealthy kids?    We all want our kids to be happy, healthy, wealthy and living in abundance and loved. But how do you explain the...

Playing the Life Lessons

Playing the Life Lessons

Empower your Child for Life with Exciting Games for the Whole Family Have you been looking for a simple, fun and effective way to raise happy, prosperous and wealthy kids?    We all want our kids to be happy, healthy, wealthy and living in abundance and loved. But how do you explain the principles and ideas of dreaming big, goal setting, meditation, visualization and gratitude to your child? Will he even be willing to listen? Of course one way is that you tell them what to do. When I tried to talk with my children about it, they just rolled their eyes. Another, better way is to teach by your own example. But still… there are situations or lessons that you just can’t wait to show.       Why don’t you play with your children instead, putting all those principles in their lives effortlessly and playfully? Not only will we be spending time with them in ways that strenghten our bond with them but will also be teaching them important and empowering skills that...

Raising Sparkling Kids

A step-by-step 4-week family program which helps you harness the power of Universal Laws to effortlessly create environment, full of love, support, positive thinking and gratitude. In order for your kid to strive, you have to not only show them to be and have anything but the best, you have to...

Raising Sparkling Kids

Raising Sparkling Kids

A step-by-step 4-week family program which helps you harness the power of Universal Laws to effortlessly create environment, full of love, support, positive thinking and gratitude. In order for your kid to strive, you have to not only show them to be and have anything but the best, you have to live and walk your talk as well. The Raising Sparkling Kids: 4 Weeks to Ignite Family Life© program teaches you: to identify the areas in your family that need improvements how to incorporate Universal Laws in your everyday lives how to know where you are going and get everybody involved the biggest mistakes people make with Laws of Attraction and how to avoid them how to help kids understand and apply Laws of Attraction how to talk to kids about Laws of Attraction without boring them to improve communication skills so that every family members feel appreciated simple easy ways to elevate your thoughts and SO MUCH more What is unique about this program is that all family members are...

Coaching

Sometimes creating supportive, nurturing family environment can be quite challenging. With so many things to juggle and running against time, we might loose our sight of the big picture. Let me help you create positive, encouraging and empowering family environment. Together we will review your...

Coaching

Coaching

Sometimes creating supportive, nurturing family environment can be quite challenging. With so many things to juggle and running against time, we might loose our sight of the big picture. Let me help you create positive, encouraging and empowering family environment. Together we will review your current situation and set the goals for your future. We will work out the action plan that you will easy implement into your daily routine and we will set measurable results to follow the progress. Together we can raise your family’s well-being to a whole new level. I WANT CHANGE! Click this link and request FREE session. It might change your family...

How playing Farmville helps your children to learn about money?

Posted by Alenka  in Games, Money 2 Comments »
How playing Farmville helps your children to learn about money?

I know, it’s another online game and we all are trying to keep our children away from TV and computers.  I was against it for a long time, but the kids had their winter holidays and I let them play. Then I started to play just to see what it is all about. And I found out, that if you include some learning, you and your child can actually benefit from the game.

For all of you who are not familiar with the game – it’s a Facebook application and the idea of the game is to grow your farm. You earn money and points (XP) by harvesting (and selling) your produce (milk, eggs, vegetables, fruits..). You can then buy seeds, trees, animals or decoration and buildings. As you progress you get rewards and neighbors, which help you by fertilizing your field and feeding the chicken, and you help them in return.

I must admit it is adictive and time consuming, but let me explain first, what valuable money lessons your child can learn from it.

First of all, you have to earn the money to spend it. You must think of the ways, how you are going to do that. Is it better to buy seeds, animals, trees? They all grow at different speed (taking different amount of time), so you have to plan your time as well – will you be able to harvest your crops, before they are whitered? You have to wait until you can harvest, which I believe is a strong component of the game. Our children are all too often in the NOW mode:).

Then you have all kinds of buildings and decorations, which are great, but they cost quite a lot of money (coins) and you have to save for them. How will you do that? In order to upgrade the farm (beside having enough neighbors) you have to think of paying for the upgrade (which is expensive) and still have some money for planting the seeds.

You can even buy tractor and seeder and harvester, but they require fuel. Some of it you get while playing, but it is far from enough, if you have large farm. You again have to decide if you want to buy the fuel or plant the seeds manually (that is by clicking a lot more).

You see, it is all about budgeting – the child have to decide what he will buy.  And when he will buy. Will he save the money or spend it? Is spending really a spending or is it investment?  You can even explain to him the term return on investment – you don’t earn all the money that you sell for, you have to pay for the plowing and the seeds, and only the difference is actually your income. When you include the time factor, the returns that look great (that is sell for more) doesn’t always get you more.

Here is an example (the plowing cost is 15 for both, so we will ignore that): you buy strawberries for 10 and sell them for 35. Your net profit would be 25. When you buy peppers for 70 and sell them for 162, you profit is  92. At first glance, the peppers are better, but… you can harvest strawberries in 4 hours and peppers in 1 day, so you can plant strawberries 6 times in a day, which increases your net profit to 150 (a day).

As I said the game is adicitve and time consuming (if you let it be), but again, you can make an agreement with your child, that he plays only on certain days (and therefore he has to choose the seeds that takes the required time and again, he is learning) or for certain amount of time. Around 15 minutes are just enough to harvest your farm and plant the seeds. It can take time to help friends and to send the gifts, which are not essential for the game, although you get points and rewards for that, but you can negotiate with the child to limit this to certain days.

We all play the game at home, at the evenings, competing with one another, and at the same time helping each other, sending gifts and fertilizing each other farm. We made a plan, so the kids can play after dinner for half an hour every other day on the workdays, and on Friday or Saturday they can catch up and play longer. Provided they have done all the homework and home work (errands).

Travelling with Children

Posted by Alenka  in Money, Parenting No Comments »
Travelling with Children

Last week, when the children had their holidays, we spent in Tuscany, Italy. We visited all famous cities such as Pisa, Lucca, San Gimignano, Siena and Florence, climbed the towers, drank coffee at the sidewalks, tried wine (not the children:)) in Chianti region and ate a lot of icecream and pasta every day – to the delight of the kids.

I will write another post with the details and photos, for now I want to emphasize a few things, that seem important when travelling with children.

  • It is essential to plan a whole trip in advance.
  • Reserve the hotel in advance. With children you can’t just stop where-ever you want and find some place to sleep. It is harder to find the hotel with (free) family room, or room with more beds (say 4), so do your homework and search the net.
  • Get the children involved in the planning, so they know in advance where they are going, what they can expect, have them find some materials in books (you can get the guides at the local library) and let them express their wishes (they get more excited about a place if they saw a nice photo of it)
  • Read a guide for yourself or search the net for stories and legend about people and places. Children can get more interested and remember the staff easier. We went to Paris a few years ago and my younger daughter still remembers the story about Maria-Antoinette, how she lived and how she was decapitated.
  • Prepare enough games and activities for the driving part of the trip. Children get easily bored and when you drive for a few hours, they get annoyed and start to fight. Also make enough rest-stops.
  • Limit the visits to the museums and (especially) churches to the minimum. Find theme parks (like Pinnochio museum in Collodi) or museums with interactive exhibits, so the children can touch, try, make things do something…
  • Plan enough time for rest and play (my daughters are 9 and 12 and they enjoyed the children playgrounds as much as would smaller kids, and when there was none around, they played catching).
  • Always have at hand enough to eat and drink, otherwise you can spend a fortune at every ice-cream parlor, market or a shop.
  • I give the children some money (like 10 or 15 EUR) so they can buy souvenirs or postcards or whatever they wish, so they don’t drive me crazy begging for all kinds of staff they see at the stands (which are plenty around the sights). They can also bring their own saved money, if they want.
  • With older children you can prepare budget for the trip and let them journal all the expenses during the trip, divided into categories (food, drinks, tickets, hotels, gas…). We did it usually at the end of the day, remembering where we was and writing the numbers down. The children then summed up the amounts for the day and for the trip so far.

4 little piggybanks

Posted by Alenka  in Money No Comments »
4 little piggybanks

When teaching children about money, it is one of the priorities to teach them how to allocate the money that they get. It can be the money they found on the street, money they get from parents, grandparents and aunts or money earned for small services for others -it is important to stick to the agreed rules.

The common advice is to get them 3 or 4 piggybanks to easily divide the money. But first you have to agree on the percentages to give to each cause. Easy rule of the thumb is 30%-30%-30%-10% (or one third if you have 3 piggybanks). I prefer going for the four, because I found out that my children were confused when they have money for savings and investments together. They don’t understand very clearly what investments are and why would they need savings, when they have parents to provide them for everything:) Or perhaps decide on the amounts as sometimes it is difficult to divide the money (or you will end up collecting little coins just to get the amounts right). For example: at first I gave my daugter 15 EUR allowance, but when dividing, it was really annoying searching for quarters, so I decided to increase her allowance (for educational purposes) to 17 EUR, so she can divide her money to 5-5-5-2 EUR to each piggybank.

Encourage the child to allocate his/her money to

  1. savings (for something bigger – like PSP, computer, bike)
  2. investments (to find later on somthing that money will work for them)
  3. charity/donations
  4. spending

Of course, you should not stick to this piggybanks as an only mean of holding money. As soon there is some money in the piggybanks, discuss different money and investing options with your child. Go to the bank and open an investing account or go get them a saving account. Help them give the money to the charities, not only physically but perhaps you can wire some money accross the world.

I made my children little booklets to track all the transactions they made with the money. I even pay them the interests on the amount they are saving (until we take the money to the bank).

Use every opportunity you can to teach your child about money, how you get it, what you can use it for, how it is handled in the banks, stores…

Allowance – to give or not to give?

Posted by Alenka  in Money No Comments »

Giving your child an allowance is a good way to teach him or her about receiving and managing money.

When determining the amount of allowance for your child, consider the child’s age. On average the majority of American kids start receiving a weekly allowance around 5 – 7 years old, with a weekly amount of $1.00 for every year of age, until 16 when they start dating and driving when the amount is normally increased.

Allowances are not tied to completing chores, but are given as a way for kids to learn the value of money, budgeting, saving and spending.

You may want to encourage kids to put away a portion for charity and another portion for savings. If so, let them choose where to donate the money. It may be a cause that a child can relate to in some way, like an animal shelter or a group that helps sick kids. If some of the allowance goes to savings, consider setting up an account at a local bank. This way, your child can keep track of the money.

t’s a good to have them use it for discretionary things, not essential purchases such as food or clothing. This lets kids make buying decisions — and mistakes — without dire consequences.

There are a few don’ts you should pay attentions to:
- do not tie the money to the chores
- do not withold the money for misbehaviour
- do not take control of the money

(to read complete article, click here)

If you would like more info on this topic, I highly recommend Amanda van der Gulik’s new book Allowance Secrets. Amanda’s writing is a very helpful guide for parents to finally figure out whether we should be giving our children an allowance or not as a tool for teaching them about money. One of the key issues that I know many parents are trying to negotiate is whether children should be given an allowance or if they should earn their own money, or both.

To get you FREE COPY, click here.


Teach Your Children About Money


To the Clown Doctors!

Posted by Alenka  in Money No Comments »

When teaching my children to manage money, I encourage them to save 10% of all the money they get for the charity. Then we talk about different possibilities.

They are very fond of the animals, so their first choice is giving to local animal shelters.

When we are going to buy the food for our bunnies, they give all the pennies, we are collecting in a special jar, to collection box in the store.

We also donate clothes, toys and school supplies.

I donate blood regularly and we talk about it a lot.

We were at the fair yesterday and there were the clown doctors, promoting their activities at the children hospitals. Anja (my oldest) immediately noticed they were selling red noses and of course I bought 2 of them. They make all kind of faces with them and when we came home, Anja gave me her money for the noses. She said she wants to give her charity money for the Clown Doctors. Boy, I was proud. It was actually the first time she volunteers to give money by herself without me encouraging it.

Encouraging charitable action benefits the children themselves. It:

  • Helps teach empathy
  • Shows children that their actions can have a positive impact
  • Helps connect children to their (local, national, or international) community
  • Helps children better understand and cope with unpleasant events

Do you encourage your child to give some money to the charity? Does he/she volunteers in different charitable actions?

I highly recommend these books to help you raise giving children:

And of course, consider making a donation to the Clown doctors:

clown_doctors

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