Mothering Corner

My boy has been asking me to knit more tees for him. I can knit very fast if I have the time to as I finished his Winnie the Pooh tee in 5 days. However, it was really tiring. Now, I try to knit slowly while enjoying the quiet moment I have as I only knit those difficult projects which I need to refer to diagram when my kids are sleeping.

I love knitting because I enjoy the process of making something nice and personalized for my children. But buying yarns is a painful experience as they are so expensive here! Unless you want to go for those cheap yarns, which I prefer not to as my kids have sensitive skin, I only go for cotton for them. But if you really don’t have the cash, you can use your credit cards for the purchase, and only pay back the debt later. I only suggest credit cards if you have the ability to pay off your debt. Besides, you can consider getting the cards from Mint Credit Card, only if you are a UK citizen. You can check out the details from their official site.

BTW, I notice that other mothers like to do scrapbook for their children. That is something I’m still struggling on.

I used to have a teacher whom I think is one of the strongest person I know. I don’t mean that she’ physically strong, but she had been through a lot and she is facing her obstacles well, and still able to remain as cheerful as she is. *if you are reading this, sms me later, *

Her mother had an accident when she was in her teens and she lost one of her legs. What amazed me was she didn’t use a clutch but she hopped around to be mobile in the house. I’m not joking! During that time, she didn’t know anything about Structured Settlements and I don’t think she had any compensation from the party that knocked her down. She couldn’t work so she took care of other children at home as a living. She thought that she wouldn’t be able to get married, and thus she adopted my friend. Luckily, they were very positive about their lives even if they might not be rich. Her mother passed away 2 years ago due to breast cancer, she is still a happy person like she used. She’s not pretending, but trying to face her life as strong as she can be.

If her mother had a Structured Settlements last time, maybe they could get some money at times of emergency. But what is in the past is already in the past. If it’s not because of the hardship throughout the years, she will not be who she is right now.

*ok, SMS me now. LOL!*

I don’t think marriage and parenthood is a bed of roses. If you are not getting into these with the right person, things can be really chaotic. Hubby and I have come to the decision that if we can’t find the house that both of us agree on, we won’t buy any. Getting a house means tying ourselves down with Mortgages, so we will have to think carefully about this. Furthermore, it’s not like we don’t have a place to stay right now as this house is quite spacious, even if there are so many of us living under the same roof.

But if you are looking for cheap mortgages, check out the deals from Nations Finance and Compare mortgages from one company to another before making up your mind. When it comes to money, it’s better to take the right step then rushing over it. Besides, if you have a family to support, things are not as easily said.

So, let me look for my dream house first. Hubby and I still cannot agree on any.

I have the tendency to spoil my kids on their demands like if they ask for an expensive toy, I will just get one for them. Hubby said this is too much spoiling for them and he would like me to control my shopping spree on them occasionally. I think it’s just me that can’t resist my kids’ demands and I feel happy seeing how happy they are. But I know I have to stop this spending habit now as I’m only showing them that they can get whatever they want and they might not turn out to be appreciative. Furthermore, they might turn out to be shopping monsters later when they grow up!

What if my kids have trouble controlling their spending and ended up with lots of debts? It’s very common for youngsters to declare bankruptcy due to their overwhelming credit card debt. Unless they know how to get Credit Card Debt Help or Credit Card Debt Consolidation, but most of the time they are clueless about what to do but asking money from the parents.

So, I think I will try to keep it to not more than 3 toys each per kid now. That should be good enough.

When I read about news of some people decided to end their lives and left their kids behind, I would be wondering what’s on their mind that urge them to come to that decision. Maybe they were desperate, or depressed, they couldn’t think much about what to do at that moment.

It’s not their fault, I can understand how bad it feels like to be helpless and just want to leave everything behind. When it comes to financial difficulties, I have close friends who had really bad experience about it and they were left with no money, no friends, and no help. It really felt like end of the world to them. If they were not strong enough, they would have jump off the building. But their credit card debts, they can apply for Credit Card Consolidation for temporary Debt Relief. But for business debt, it’s a bit harder.

So, only I really admire how strong and determined they are in going through this hardship. It’s not easy, but they have gone out of it successfully. I am very happy to see that they are back on the track. If things like this happen to me, I doubt I will be that strong.

Finally, after months of persuasion, MIL has agreed on getting a house insurance for our home. There are so many of us staying under the same roof and we have lots of belongings in the house which are highly valued too. If something bad happened, how are we going to rebuild the house again? Just thinking about the 6 figure digits of money is enough to scare me off.

Thus, it’s always better to have your house insured. It’s not a financial burden, in fact it’s providing financial security to your family at time when there is a fire or burglary. Just take a plan that is affordable and suitable for you.

Let’s see what are the plans that our agent is proposing within these few days.

I have seen some friends going up and down in their lives. Some of them have been through riches and moderate lives in just one year. Maybe it’s the business nature as some businesses, especially those “illegal” ones will bring in money faster. That’s why they have such a big changes in a year.

If I’m in such a sticky situation, I will not let my kids be affected. I won’t let them know about my worries or hardship in financial because they are still too young to understand much. To me, childhood should be filled with happiness and laughters, and leave the worries to the parents who will be busy mingling with the Debt Relief and Credit Card Consolidation. I will still do my best in providing them in all aspect. So, what about you? How’s you approach?

Being in a family which business based, I have always had this concept in my mind. When you have the wealth, make good use of it. It will never be there for you, forever. But then it’s up to us to manage it. If it’s gone, life still goes on. Gee…it sounded very sad huh? But if I’m still single, I don’t care much about wealth. But with 2 young kids now, I have to think about building a better and more solid financial base for them.

My mum asked me if I have future plans for my kids since I shop a lot. Of course I do! I have insurances and savings for them since they are babies because I know that tertiary education needs a lot of money. Furthermore, we don’t have the privilege like Bumiputera, so we have to work harder to better secure our children’s future.

But if my kids are doing well in academic, then they can apply for scholarships or education grants. That will put some burden off for us financially, especially if they want to pursue their education oversea.

Even if they are not in kindergarten yet, but I have already thought of university. Maybe I have been thinking too much.

When we were having breakfast with MIL the other morning, my boy asked if he could have a rabbit. MIL said no unless we have our own house. O.o

We have plans to move out in the future anyway, but only until the kids are older enough. Hubby travels a lot and leaving me with 2 young children at home is not something I prefer. Besides, we need to have proper financial planning before we move out. I’m not sure if the household expenses will be more or less as we currently share out the expenses with BIL. Staying in a big house with a lot of people will also mean that we have to spend more money as comparing to other families, even if it’s shared.

We have to list out all the expenses and taking into consideration the amount of money we are going to pay for Home insurance and Life insurance because we are currently paying a lot. Besides, I might need to have a car too. So, maybe we have to Compare car insurance too. Those are extra expenses and if total up, we may have to pay more money every month!

So, let’s just stay with my in-laws for a few more years. LOL!

Some of the older women thought me that I should not let my hubby know about how much I am making so that I can have my own personal money. Most of the women have this mentality that whatever belongs to the husbands, they own it too. But those that they have are not being shared with their husbands. Right or not, ladies?

But if I have to make my money grow faster and save it all up in the bank, by writing paid posts alone will not help much. If I know how to invest, then I might get some covered calls and PowerOptions® software to help me out in my investment. I know one of the blogger mommies are doing well in share options, and maybe I should think about this.

By using the software, maybe I have a better idea on what to sell or buy. Anyway, how much does it need to get started?