Tips from an Experienced, Financially Savvy Mom

plunged in debtI’m so happy to welcome Catherine from Plunged in Debt to the blog. Catherine is someone I’ve always looked up to. She has the most beautiful little girl, and she works so hard to keep her budget straight and enjoy her family all at the same time. I asked her to share some of her expert mom tips, and I hope you love them as much as I do:

I’m not the first to say this but being a mom (parent) is the hardest job you will ever have. This is something you have to experience to really understand but basically take the hardest thing you’ve ever accomplished in your life pre-kids and multiply it by about four billion. That’s almost as hard as it is being a mom.

When your child is born, you’re suddenly changed as person into a superhuman being. I don’t know what causes the exact changes but you suddenly find yourself capable of more in a day than you ever thought possible. Once, of course, you get over those initial first few days where you’re in a total haze of accepting that you’re now responsible for caring for, raising and providing for another human being.

Being a parent evokes emotional levels you didn’t know you had, and tests them daily.

I was fully prepared to have my daughter be born and be totally smitten and in love with her. Like I couldn’t breath without her and have tears pour down my face like I see in the movies. While I had grown close to the little girl growing inside me for nine months, at the time of her birth I was not overwhelmed with emotion.

Maybe it was the semi-scary situation going on around me (emergency c/section, minor postpartum complications). I knew I loved her but not like I was expecting. At first I thought there was something wrong with me. Then I realized two things. One, I was emotionally overwhelmed with everything. The pregnancy, the birth, the acceptance that I was now no longer pregnant (a strange emotional stage for me), the whirlwind of events that had just happened. And two, love grows.

I loved my daughter but not the way I do today, the way I expected to at her birth. Today when I think about her, I am totally overwhelmed with emotion, love, joy, happiness. The day of her birth I loved her but she was still a stranger to me.

Be prepared for all emotions. The changes of pregnancy to childbirth to postpartum are something NO one can prepare you for. Whatever you feel is normal. It’s ok to not have everything go the way books and movies make it out to be. It’s your body and your baby.

People love to give advice.

I can’t imagine what Cat’s going through with twins so be extra prepared, girl! People love to voice their opinions about everything related to babies, boobs, and bellies. Learn to keep your cool and more importantly keep doing whatever is working for you and your family. So many people, people I didn’t even know, had me second guessing my choices in parenting. We co-slept for 10 months. It’s something I never thought I would ever do but it just worked for us, and I wouldn’t have changed this experience for anything. Much against what others told me, my now almost two-year-old daughter sleeps fine in her own bed and won’t still be breastfeeding in college.

Stop reading whatever parenting book is currently sitting on your bedside table.

Seriously I read every. single. book/website/podcast/you name it. I was obsessed with getting as much into in my head as possible and it drove me crazy. You will learn your child, trust me. No general book can help you. I really think these books instill irrational thoughts in our heads. We’re constantly looking for things, crazy milestones, developmental issues. It gets overwhelming. Stop reading and start getting to know your kid, on your time, with no interference. If you have genuine concerns, chat with your doctor, midwife, professional, or another mom face-to-face, kid in tow. While there are a few amazing resources out there to help ( for breastfeeding comes to mind) these are meant to help with individual questions, not a manual about how to raise your child. You’ll just ”get it”, trust me.

Being a mother is hard. But I wouldn’t give it up for anything. While it’s not a job filled with monetary bonuses or paid vacations, the payoffs are more than money could possibly buy. Good luck Cat, you’ll do amazing!

Editor’s Note: Thanks, Catherine! I so appreciate the honesty, which I find is pretty rare. The experience for me has been so challenging but so rewarding, just as you’ve said.

Does anyone else have any parent tips? Anything you wish you would have known before in terms of money, scheduling, or even the emotional aspect?

Teaching My Kids About Financial Literacy + Ipad Giveaway

bookreview-giveaway1It’s always been important to me to have children who are financially literate. I’ve often said that understanding money is one of the most important things in the world.

Now, people argue with me and say, “No, Cat. Family and friends are the most important thing in the world,” but notice I didn’t say money is the most important but understanding money. Because you see, the people who have a hard time with money are at risk for losing their homes, losing their families, and putting their children in bad situations. You have to be able to support and sustain your life in order to enjoy those beautiful family members and friends.

Furthermore, money is a taboo topic. People get awkward talking about it. I’m still not sure why, but it’s my job as a mom to make sure my two kids not only understand money but are comfortable using it, investing it, and talking about it. I wish I would have had a better understanding of investing from a much earlier age, so along with teaching our kids to be good people (#1 priority) teaching them about money runs a close second.

I enjoy looking up to other moms who have taken the initiative and done this before me. One person who has been an inspiration to me is financial advisor Shannon Ryan, who writes the blog The Heavy Purse.

Shannon is a big proponent of teaching kids about money from a very early age. She explains that our money habits start very young, and we often emulate what our parents do. Her father began teaching her about money as a teenager, and even then he had to undo some of her habits.

Shannon recently wrote a children’s book called The Lemonade Stand. It’s a really cute book that teaches kids how to spend, save, and share. I especially love the sharing aspect and really liked Shannon’s example of donating to the animal shelter. In the future, I look forward to learning more from Shannon about how to teach our children about finance, and I’d especially love some tips on teaching them how to invest in future books.

To celebrate Shannon’s book launch, I (along with several other blogger co-hosts) am giving away an iPad mini!

The giveaway runs from July 14-31, 2014 and is open worldwide.*

* A winner located outside of the United States will receive a cash equivalent prize via PayPal.

Enter below.

a Rafflecopter giveaway

Co-hosted by Are Ya Gonna Eat That, Broke Millennial, Budget and The Beach, Budget Blonde, Budgeting for More, Busy Mom Budgets, Cash Cow Couple, Cents and Sensibility, Club Thrifty, Color Me Frugal, Debt Debs, Debt Roundup, Disease Called Debt, Eat Laugh Purr, Enemy of Debt, Eyes on the Dollar, Femme Frugality, Financially Blonde, Frugal Rules, Living Richly Cheaply, Luke 1428, Making Sense of Cents, Money Saving Dude, Monster Piggy Bank, Not Now Mom’s Busy, Reach Financial Independence, Shoeaholic No More, Stacking Benjamins, Tackling Our Debt, The Broke and Beautiful Life, The Finance Girl, The Frugal Farmer, The Random Path, Thrifty Dad, VeegMama and Young Adult Money.