The Little Lilypad is a lifestyle blog mostly written by a mum to two beautiful, cheeky and entertaining daughters. It is sometimes written by the Man on the Pad or by one of our baby bloggers. Occasionally we accept guest posts too. There is frequently talk of shoes and clothing (we love fashion and savvy shopping), chocolate (who doesn't love chocolate) education and swimming (we love this too). It is hopefully helpful, sometimes funny and always honest.
Some life lessons are harder to learn, and they cannot necessarily be taught. You can tell children not to jump on furniture until you start to lose your voice, but they may not listen until they fall and get hurt once or twice. Other important lessons in life are much easier to learn (without injury) and just as easy to teach.
Money is one of those lessons and is something that we use every day. Teaching children the value of money begins at home, however. From learning the value of each piece of currency to seeing the way that parents handle their own finances, the value of their earnings begins at home. I remember my mom worrying about money when we were kids and I always said that I would never want my own children to have that consciousness from a young age.
However, for a parent, teaching your children the value of money also means learning to give them a little responsibility early. For children to learn any lesson, they must essentially learn on their own although parents still play an important role. For instance, a younger child saving for a new toy learns about financial choices like buying the toy or not.
Ob the flip side, if the child decides not to buy the toy, his parents can change his mind by letting him know that they cannot buy him everything he asks for. Older children who receive allowances can be given more control over their money, and therefore the consequences of either saving or spending. Teaching them how to budget for long-term goals is also important but may take a little more patience.
Teaching your children the value of money when they are older begins more with parents than at school. Teachers can show them balance sheets and accounting, but examples set by parents can have lifelong effects. If a child sees their parents always overspending and buying whatever they want despite the consequences, they may figure that this is okay.
If parents reinforce saving money, children will more likely want to save money that they earn on their own. Opening a savings account for older children, even if it is only for allowance, can show them how beneficial saving is, and how interests accumulate over time.
For some families it is a learning process because money is a large part in today’s society. The earlier your children learn how to manage it, the better their chances of having a more secure future. From saving grandma’s change for a new toy to saving their first monthly wages for their first car, the value of money is among important concepts children can learn.
I also think that sometimes, I need to reign in my own spending habits and remind myself!
For all the parents out there, there’s plenty of financial support to help you give you and your children a fulfilling and healthy lifestyle.
Child Tax Credits are a benefit that is awarded to families raising children age 16 and under. It was designed to help support young families and provide help with modern family life. It’s been designed to help with the costs of raising children. It gives parents the opportunity to be able to afford school uniforms, clothes and nutritious foods to name but a few.
Dependent on your household income, you will receive a fixed amount. It also depends on the number of children you have and their date of births. You can visit the Government website to find out more about your eligibility and your claim.
Who can actually claim?
Any parent can make a claim, but the amount you receive is dependent on a number of different factors. If you have a child under the age of 16 then you may well be eligible to make your claim! You are also eligible to claim for a child or children under the age of 20 who are in approved education, or a training/registered with a careers service. If you are struggling to understand any of this, you can get in touch with the Child Tax Credits customer service team, and they will happily help you.
How can they help you and your family?
Having a family doesn’t come cheap, and we all know how important it is to ensure our kids live their best lives. Applying for Child Tax Credits just gives you that little bit of extra security if you are in a position where you think you might struggle. You can put it towards the food shop, or use it to buy your kids new clothes for the summer and winter.
Ultimately, it’s been introduced to help you. There’s no shame in applying for it, every parent does. If it helps you get by, and stops you struggling, there’s no reason to not at least apply!
So, what are you waiting for? Get in touch with them now and see how they can help you and your family remove one of the biggest stresses in life. It might only be a small amount, but when you are raising your kids every little helps!
Christmas was an expensive time. In fact general life seems to just be getting more and more expensive so finding things where I can save money feels like it has become a quest in my life.
The endless round of parties.
The need for last minute gifts.
Not to mention the thought of party bags for 20+ children. ( I made the mistake of having 50 children last year - never, ever again).
How can parents make this endless toy buying a little easier on their pockets? Well let me introduce you to PoundToy.com. We have collaborated with PoundToy as they are one of the UK’s favourite websites where you can purchase high quality, branded character cheap toys & games for children of all ages at prices that cannot be beaten!
Sounds a little too good to be true doesn't it?
I spent £50 on the site and got all this ......
The name of the website gives a hint to the bargains that can be found and in their clearance section, there are items for 50 pence!!!
Not everything is a pound though. But there are great deals to be had. Want a special anniversary Barbie for less than the RRP? They have an offer on that.
I remember many many years ago taking my mum to a Poundshop for the first time and she kept picking up items and declaring that it couldn't all be £1.
Going on PoundToy.com reminded me so much of that day with my mum and although everything ISN'T £1 on their website, there are some great bargains to be found.So if you are savvy saving mum this year, why not bookmark the website for when you need to stock up on those party presents!
In the meantime, we are delighted to give you the chance to win £25 to spend on PoundToy.com and all you need to do is enter below.
The Prize: £25 to spend at PoundToy.com The winners will be chosen at random by the random winner generator on Gleam and notified within 7 working days by email There is no monetary equivalent. Little Lilypad Co take no /responsibility for loss or damage in the despatch of prizes If the prize is unclaimed within 7 days we reserve the right to redraw the winner.
UK Entrants Only
End Date 24/02/2019 at 12am
This promotion is in no way sponsored, endorsed or administered by, or associated with, Instagram or Facebook.
We have vowed to be more frugal this year and whilst I am not suggesting my husband buys me a ring from Poundland (as seems to have been advertised everywhere this year), we can still be romantic without the price tag, can't we?
Each year as Valentine's Day approaches there are many among us who begin stressing out over gift giving. A low budget coupled with the desire to show a lover how special they are greatly increases the stress level.
It seems every shop and store we enter has devoted a large portion of the shelf space available to Valentine's Day gifts, candy, and cards. Newspapers are full of advertisements for these gifts and restaurant ads for romantic dinners for two at an unreasonably high price. With a little ingenuity and forethought you can take the stress out of Valentine's Day this year.
The top four gifts expected for Valentine's Day are chocolate, flowers, cards, and jewellry. Whether dating, living together, or married, taking a look at each of these categories can assist in finding a reasonably priced means of showing your love.
Bigger is not always better. While the heart shaped gift boxes of chocolate are lovely to look at, your lover may actually prefer a smaller box. Even if your lover is not allergic physically to chocolate their hips and waistline are. Many of us are tired of the rich desserts offered through the recent holidays and are dieting with thoughts of summer vacation and activities ahead. Opt for a small box and let your lover know while you wanted to give the largest box available you did not want to destroy their diet. Your thoughtfulness will be deeply appreciated.
If you have extremely limited or no funds to purchase traditionally packaged delights, try making your lover homemade treats. If your lover prefers another dessert over chocolate, why not see if you can make it yourself for a really personal touch.
A florist's largest season is Valentine's Day and the cost of roses can be triple the normal asking price. A less expensive alternative is carnations or a mixed bouquet of flowers. It is thrilling to have flowers delivered to the workplace and it elicits ooh's and ahh's from co-workers. If your schedule permits, instead of paying a florist's delivery fee arrive fifteen minutes prior to your partners lunch break with a single rose or carnation and an invitation to lunch. It will not matter how inexpensive the lunch is, your thoughtfulness and presence will make your loved ones day.
Card shops, department stores, and grocery stores all charge a seemingly unreasonable price for a card. Part of me balks at the cost of cards and then how we recycle them only days later but I do love receiving them. They don't need to be expensive, even hand made but making sure you write heartfelt words inside is the key to the perfect card!
Most newspapers are packed with jewellry store and department store advertisements for jewelry, the cost of which can be frightening if you are working with a low budget. While diamonds are the number one gemstone sold through Valentine's Day, no one said it has to be a diamond or has to be heart shaped. There are many lovely gemstones to choose from and many affordable pieces without gemstones that will be just as highly prized by the recipient.
An alternative to shopping at local jewellry or department stores are those shows on television that sell nothing but jewellry at wholesale prices. Beautiful and affordable jewelry can be found through these shows or their on-line websites twenty four hours a day.
If you are a teenager or non-working young adult with little or no funds and no credit cards, you might try offering to do extra work for your parents in exchange for ordering an item for you. Most parents will agree to this and be grateful to gain help in cleaning out garages or attics and similar jobs.
Places like the Card Factory and the pound shops are great places to find Valentine themed stuffed animals at great bargains. Most females love stuffed animals but obviously do not give stuffed animals to a lover with an allergy to dust.
An alternative to the traditional Valentine's Day gifts is to make a basket for your loved one which holds some of their favorite small items. You can make your own confetti to line the basket with the household paper shredder. Perhaps the man in your life is an avid fisherman or hunter. Perhaps the lady in your life loves hot teas or specialty coffees. A gift basket's contents is limited only by your imagination.
Dinner For Two
Instead of an over priced meal for two in a restaurant, opt for a home cooked meal or take out. It is the atmosphere that counts the most. Dim the lights, turn the music on low, and light the candles. Purchase two roses, one for the table for your lover and the other to sprinkle the rose petals around the table. Bonus points here if you can actually cook!
The Gift Of Time
If you have children offer to clear your schedule to provide your other half with a day to themselves. A gift certificate for a free day can be made on the computer and enclosed in a card and will be a huge hit with a busy parent. Coordinate the date and arrangements with your partner according to whether they would like to spend the day at home alone to relax or a day out of the house.
Regardless of what you decide to bestow upon your loved one for Valentine's Day, remember if they truly love you the cost of the gift is irrelevant. It really is the kindness and thought that went into the gift that counts.