Showing posts with label #children. Show all posts
Showing posts with label #children. Show all posts

Thursday, 27 July 2017

Should You Get Your Child Christened?

Having your child christened is something that a lot of parents decide to do without really knowing why. 
It is one of those traditions that people follow because they think it’s expected, even if they don’t necessarily believe in the religious aspect of the whole process.
For some parents, it’s not a difficult decision to make; if you’re strongly religious then you’ll likely want your children baptised but if you are not as strict with your religious beliefs then it might be a bit more difficult to decide whether you want to go through with it or not.
If you’re struggling to make a decision, here are a few things to consider.

christening.jpeg

It Doesn’t Have To Be Religious

One of the main things that puts people off having their baby christened is the fact that they aren’t religious.
It seems odd to officially induct your new child into a religion that you don’t follow yourself. However, the religious aspect is only one part of it. 
In general, a christening is a way to officially name the child and celebrate their birth with your friends and family. 
Lots of people these days are opting to have what is called a naming day instead. All of the celebrations are still there, but without any of the religious elements. 
So you can still have a big party and get lots of great christening presents from places like Saffron Bells. That way you can still enjoy the process without feeling strange about it. It will also be a lot cheaper because you have more choice over the venue, rather than being limited to an expensive church.

The Child Doesn’t Have A Choice

Perhaps the biggest reason to decide against a religious christening is the fact that the child doesn’t get a say in the matter. Deciding on a religion is a very big choice to make. It isn’t just as simple as getting christened. 
When you choose to follow a religion, you are making serious decisions about your lifestyle that will affect you forever. 
If you have your child christened, they may feel as though they are being pushed in a certain direction and that unnecessary pressure may cause tension. As they get older, if they decide that they don’t want to follow a religion, they could end up resenting you for having them christened because they have that label even though they aren’t religious.

It Can Help With Schooling

It’s a sad reality, but finding good school places these days often takes some pretty drastic measures. 
It isn’t uncommon for people to move house to be nearer to a good school and improve their chances of getting in.
Religious schools are often some of the best ones out there, but they have strict rules about who can and can’t get in. 
Most of the time your child will need to be christened before they’re even considered so it might be worth having it done, if only for completely practical reasons.
Some parents feel uneasy about this because they feel like it devalues the whole thing, but if you can put those concerns aside, it can really give your child a head start in life.  

*Collaborative post

Friday, 14 July 2017

The Long Road To Leaving A Legacy

Most parents hate the idea of their kids being left with nothing when they eventually pass away. Instead, you want the money you have worked hard for to go straight into their hands, be it in the form of cash or assets. 
But, with taxes and other fees, it can be very hard to see this happening with your funds. Unfortunately, to ensure that your kids get the most they possibly can, you have to do some work. To help you out, this post will be going through some of the best ways to leave a legacy for your kids. It’s best to start as early as possible with something like. 
In some cases, people will start long before they even have children.

apartment, architecture, balconies

  • Property

One of the best options you have regarding a legacy for your kids is property. Unlike cash, it’s very difficult for a home to be chopped up by the taxman. Instead, your kids will only have to pay a little bit towards their new home
Of course, a home isn’t exactly cheap. But, this shouldn’t matter. Most people will want to own their own property by the time they have a family, anyway. 
So, this will probably fall in-line with your normal goals. 
If not, you can look into other options to give your kids something physical when you pass. Other high-value items include gold and other precious metals or gems. But, these won’t be anywhere near as secure as property or the other options on this list.

buy, cash, coins

  • Investments

Along with investing in property, you could also consider some other investments. There are loads of methods to store your money which will result in passive income generation.
For example, if you invest in the shares for a business, you will be able to take a slice of their revenue once they’re making money.
Or, if you invest in stocks, they could be sold at a later date for a lot more than they were bought for. Bonds also make great investments to pass down to your children, as they are almost entirely risk-free. These sorts of investments don’t only benefit your kids, though. 
Along with leaving a good legacy, they could also help you to make a little bit of extra cash each month. This will help you to save even more, or spend something on yourself once in awhile.

couple, elderly, man

  • Life Insurance

This next option is arguably the very best for leaving a legacy for your children because it’s designed to be used in this way. Life insurance is built from payments which are made throughout your life. Then, when you pass, the money will be given to your kids. 
This will be entirely tax-free, ensuring that they get every penny of it. And, it can be a great way to give them more than you’ve saved. 500k life cover will rarely ever cost you half a million, even after years of putting money into it. 
But, through investing your money, the company providing it to you will be able to guarantee that your kids will get the full amount.
It’s best to start this sort of policy early, as you will be expected to contribute a large percentage of the funds. So, the earlier you start, the smaller the monthly payments will be.

  • Teaching

A lot of young people struggle with money. The skills required to balance a bank account aren’t taught in schools. 
So, people have to learn these skills for themselves. This is alright for some. But, for others, more help will be required. From an early age, your kids can be exposed to money and the decisions that come with it. 
You can teach them to look after the small amount of money they have. And, you can help them to be responsible with it when they have more. Very few kids have a true understanding of the value of money. But, this is something which can be taught quite early on. 
A lot of parents encourage their kids to get a weekend job once they’re in their early teens. This will teach them what it takes to earn money, and what money is worth regarding hard work.

Hopefully, this post will inspire you to start working hard on the legacy you leave your kids. A lot of parents don’t put this sort of effort in. But, it can be an excellent way to give you kids a great start in life. And, it means you can rest assured that they’ll be looked after when you’re gone.


*Collaborative Post*

Friday, 21 April 2017

Don't Throw Your Kids In The Deep End Of Finances


How do you handle money issues with your kids? 
Do you give them responsibilities with their own money. Or, do you provide them with everything and one day, chuck them in the deep end of financial independence. 

It seems almost logical to suggest the best way is to start them off early and let their independence grow. So, what steps should you be taking? 
 Pocket Money There are plenty of parents who disregard the idea of pocket money. 

Oh, they’re just going to spend it on silly things. But that is that is essentially the point. Eventually, they’ll stop spending small amounts on silly, meaningless, cheap items and save for something they really want. 

Essentially, by giving your child pocket money, you can show them the importance of budgeting and saving at a very early age. Independence You also want to think about giving your children a little independence with any money they save. If they want to buy something you know is a waste of money, consider letting them purchase it anyway. 

Let them learn from their own mistakes rather than protecting them. Again, it’s a learning curve about how they use their finances. Proper Savings Finally, you might want to think about setting them up with their own bank account. 
Doing this, they’ll feel like you trust them and will take pride in their independence. Thus they will not spend frivolously and that’s exactly what you want. 
You can read more about children and finances in the infographic below.
 
Infographic credit: Cash Float

Thursday, 30 March 2017

Panda & Ping


Comfort For Little Ones Peace Of Mind For Parents




As any parent who is lacking it knows; sleep matters. And when it comes to sleep comfort is important, after all with the recommended amount of sleep for children up to six years of age being twelve hours a night, our children spend a long time in their beds. We should therefore take as much, if not more, care about what they wear when they sleep as we do about what they wear during the day. 

Panda and Ping is a unique British children's brand. 
Created in 2015 by Pippa Millington, a mum who knows what it's like to try and find beautiful sleepwear and bedding for her children; their exquisite collection not only looks fabulous, but feels fantastic too.


Made using 100 percent OEKO Tex cotton jersey every product in their range ensures a soft, snuggly bedtime; phalite free comfort for little ones and peace of mind for parents. With all products being ecologically sourced from British manufacturers, customers can be sure of high quality ethically sourced and produced goods. 

Matching Sleepwear From 3 Months To Nine Years

When a baby comes along it's easy for older children to feel left out of the process. Panda and Ping's matching sleepwear provides the perfect solution. With fun vibrant prints in both baby rompers (sizes ranging from 3-24 months) and pyjamas (sizes ranging from 2-9 years) they are one of very few UK companies that make clothes to enable big brothers and sisters to twin with their new sibling.
What makes the range even more special though is that Pippa has really thought about how the needs of babies differ from those of older children, and ensured that they are met. Panda and Ping's rompers have nickel free poppers, an envelope neck, perfect for middle of the night changes, and are footless, making them much more suitable for crawling babies than traditional sleepsuits.


Beautiful Bed Linen

From beautiful single duvet covers with matching pillow cases, to fitted sheets for both beds and cot beds, Panda and Ping's bedding range will have children leaping into bed. Adorned with fun, colourful prints they can't fail to make bedtime fun for both children and their parents alike.