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Managing Your Money: Finance and Money Podcasts for Parents

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By Tanni Haas, Ph.D.January is Financial Wellness Month, a great occasion to consider how you can make the most of your hard-earned money. One option is to get advice from some of the many excellent finance and money podcasts available. The thing about podcasts is that you can listen to them whenever you have a spare moment, even when you’re doing other things. Here’s a list of some of the best podcasts aimed at helping parents manage their money. “Frugal Friends”(Available at: Apple, Audible, Spotify)There are many sound approaches to money-management including minimizing your spending, sticking to a set budget, or investing in assets such as stocks, bonds, and real estate. As the name implies, Frugal Friends advocates one specific approach: spend as little as possible. Hosted by two long-time friends, Jen Smith and Jill Sirianni, this podcast helps parents find creative ways to save on their expenses. Recent episodes focus on topics such as how a good credit score can save you money, and ways to spend less on groceries and your phone plan.   “Inspired Budget”(Available at: Apple, Audible, Spotify)Inspired Budget takes a different approach to money-management, namely how to save money by carefully budgeting your income with your expenses. The brainchild of Allison Baggerly, a former teacher who struggled to make ends meet on her and her husband’s teacher salaries, this podcasts explores questions like how to use cash envelopes to better stay within your budget, and how to guard against impulsive purchases. Allison offers online courses on budgeting and is the author of “Money Made Easy: How to Budget, Pay Off Debt, and Save Money.”“Marriage, Kids and Money”(Available at: Apple, Audible, Spotify)Andy Hill, the creator of Marriage, Kids, and Money and the father of two kids, promotes yet another, more expansive approach to money-management. Through interviews with financially successful parents and well-known personal finance experts, he explores how couples can work together towards financial independence. Recent episodes focus on whether it’s better to pay off one’s mortgage or to invest in bonds and stocks, and the importance of paying of student loans in a timely manner. This popular podcast has been nominated as “Best Podcast of the Year.” “Moms Who Money”(Available at: Apple, Audible, Spotify)Unlike the other podcasts, Moms Who Money is specifically geared towards mothers. Hosted by Eileen Joy, a single mom of an 11-year-old son who managed to go from almost broke to debt-free by educating herself about finance and money, this podcast aims to help women develop the confidence to take charge of their financial well-being. Instead of discussing specific money-management strategies and techniques, Eileen explores issues like how to reduce emotional financial stress and how to achieve financial compatibility with your partner.   “The His and Her Money Show”(Available at: Apple, Audible, Spotify)Like Moms Who Money, The His and Her Money Show also focuses on showing couples how to successfully balance money and marriage. It’s hosted by a married couple by the name of Talaat and Tai McNeely, the authors of the aptly titled “Money Talks: The Ultimate Couple’s Guide to Communicating About Money.” On their podcast, Talaat and Tai also explore business and finance topics like entrepreneurship. Many of the episodes feature discussions of what couples need to do to build, grow, and scale up any business venture.  About the AuthorTanni Haas, Ph.D. is a Professor in the Department of Communication Arts, Sciences, and Disorders at the City University of New York – Brooklyn College.    More

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    Managing Your Money: Finance and Money Podcasts for Parents

    By Tanni Haas, Ph.D.January is Financial Wellness Month, a great occasion to consider how you can make the most of your hard-earned money. One option is to get advice from some of the many excellent finance and money podcasts available. The thing about podcasts is that you can listen to them whenever you have a spare moment, even when you’re doing other things. Here’s a list of some of the best podcasts aimed at helping parents manage their money. “Frugal Friends”(Available at: Apple, Audible, Spotify)There are many sound approaches to money-management including minimizing your spending, sticking to a set budget, or investing in assets such as stocks, bonds, and real estate. As the name implies, Frugal Friends advocates one specific approach: spend as little as possible. Hosted by two long-time friends, Jen Smith and Jill Sirianni, this podcast helps parents find creative ways to save on their expenses. Recent episodes focus on topics such as how a good credit score can save you money, and ways to spend less on groceries and your phone plan.   “Inspired Budget”(Available at: Apple, Audible, Spotify)Inspired Budget takes a different approach to money-management, namely how to save money by carefully budgeting your income with your expenses. The brainchild of Allison Baggerly, a former teacher who struggled to make ends meet on her and her husband’s teacher salaries, this podcasts explores questions like how to use cash envelopes to better stay within your budget, and how to guard against impulsive purchases. Allison offers online courses on budgeting and is the author of “Money Made Easy: How to Budget, Pay Off Debt, and Save Money.”“Marriage, Kids and Money”(Available at: Apple, Audible, Spotify)Andy Hill, the creator of Marriage, Kids, and Money and the father of two kids, promotes yet another, more expansive approach to money-management. Through interviews with financially successful parents and well-known personal finance experts, he explores how couples can work together towards financial independence. Recent episodes focus on whether it’s better to pay off one’s mortgage or to invest in bonds and stocks, and the importance of paying of student loans in a timely manner. This popular podcast has been nominated as “Best Podcast of the Year.” “Moms Who Money”(Available at: Apple, Audible, Spotify)Unlike the other podcasts, Moms Who Money is specifically geared towards mothers. Hosted by Eileen Joy, a single mom of an 11-year-old son who managed to go from almost broke to debt-free by educating herself about finance and money, this podcast aims to help women develop the confidence to take charge of their financial well-being. Instead of discussing specific money-management strategies and techniques, Eileen explores issues like how to reduce emotional financial stress and how to achieve financial compatibility with your partner.   “The His and Her Money Show”(Available at: Apple, Audible, Spotify)Like Moms Who Money, The His and Her Money Show also focuses on showing couples how to successfully balance money and marriage. It’s hosted by a married couple by the name of Talaat and Tai McNeely, the authors of the aptly titled “Money Talks: The Ultimate Couple’s Guide to Communicating About Money.” On their podcast, Talaat and Tai also explore business and finance topics like entrepreneurship. Many of the episodes feature discussions of what couples need to do to build, grow, and scale up any business venture.  About the AuthorTanni Haas, Ph.D. is a Professor in the Department of Communication Arts, Sciences, and Disorders at the City University of New York – Brooklyn College.    More

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    6 Steps to Help Teens Plan Financially for the Future

    By Family Features | ContributorFor teenagers, retirement may seem like a lifetime away, but it’s never too early to start saving for the future. Because financial habits can be created at a young age, the sooner kids begin to save and learn about investing, the less likely they’ll face worries about money when they eventually stop working.Teens are already thinking about retirement, according to the Achievement Teens & Retirement Survey conducted by Wakefield Research on behalf of Junior Achievement and MissionSquare Retirement’s Foundation. Among young adults ages 13-18 surveyed, 83% have thought about their retirement and 78% believe they’ll be able to retire comfortably when the time comes. However, only 60% view retirement as living on investments and savings after leaving work, believing instead retirement could mean taking extended time off for travel, study, illness or taking care of family matters.“This research shows retirement is more top-of-mind for teens than one might think,” said Tim Greinert, president of Junior Achievement USA. “While young people have given retirement planning some thought, it’s apparent they still need information on the best way to go about it.”Because nearly half of U.S. households (46%) report having nothing saved for retirement, according to the Survey of Consumer Finances, taking steps early to save and invest can help teens get a head start on achieving a successful retirement.Start now. The sooner you start, the longer you have to save and for investments to grow. Even though contributions may be small during your teens and 20s, it can make a dramatic difference in the long run.Pay yourself first. Whether through a dedicated savings account or an employer’s retirement plan, set aside a set percentage of each paycheck. Then prioritize spending on what you truly need and want.Invest what you save. Unless you save a lot, you’ll need to make the most of your savings by investing them to help them increase in value. According to the survey, teens believed investing in stocks and bonds with the help of a financial advisor (45%) or researched online (38%), buying real estate or property (30%) and buying cryptocurrency or non-fungible tokens (15%) are among the best ways to save for retirement.Find the right balance between investment risk and potential return. The ideal mix is one most likely to help meet investment goals with a level of risk you can handle. The longer you have to invest, the more risk you can likely take.Spread savings across different types of investments. This helps you manage risk. As some investments go through rough stretches, others are likely to hold steady or grow.Stick with your investing plan. Avoid making decisions based on emotions or in an attempt to time the ups and downs of the market. Focus instead on meeting goals over time.“The fact that so many young adults in the early stages of their careers are aware of a variety of investment strategies is encouraging news,” said Deanna Santana, president, MissionSquare Foundation. “Over the course of our lifetimes, investment approaches, the economy and our priorities will change, so planning for life after work is an ongoing necessity – for teens and adults alike.”Find more advice to plan for the future and achieve economic success at ja.org and missionsq.org.Photo courtesy of Shutterstock More

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    Page not found – Stowe Family Law

    Join us on our free webinars offering emotional support and legal advice for anyone dealing with a relationship breakdown and beyond. Learn more

    Visit our blog for up-to-date legal advice along with tips for modern family life, well-being and life after separation. Learn more More

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    The impact of the menopause on relationships

    As our understanding about the physical, mental and emotional symptoms of the menopause and the impact on women during this time grows, the connection between the menopause and the break down of relationships becomes clearer.
    The number of UK women in the peri-menopausal or menopausal stages at any given time is estimated to be well over 3 million, a significant proportion of the population. Yet, it’s accepted that support for the multitude of physical symptoms and the considerable mental impact, and a true understanding of the menopause, is still woefully lacking.
    In a Stowe study on the impact of the menopause on marriage and relationships 76% of women felt their partner didn’t have the knowledge or resources to support them through the menopause properly.
    Furthermore, 68% of divorces involving women at this time of life were initiated by wives.
    Menopause and divorce
    Menopause is frequently cited as a reason for marriages breaking down. Rachel Roberts, Yorkshire Regional Director of Stowe Family Law, explained “We are noticing a significant increase in women in their 40s and 50s filing for divorce, citing issues caused by perimenopause as one of the reasons for their marital breakdown.”
    Our study findings supported this view, with 65% of women stating that their perimenopausal or menopausal symptoms affected their marriage/relationship.
    Loss of physical intimacy
    A reduced sex drive is a common symptom of the perimenopause or menopause. The women we spoke to listed loss of physical intimacy as the area of their relationship most impacted by the menopause. 50% of women worried that a lack of sex would lead to your relationship ending.
    Top 5 areas of a relationship most affected by the menopause:

    We lost physical intimacy
    They didn’t understand what I was going through
    We argued
    We stopped communicating
    Grew apart or fell out of love

    Mental Health
    The menopause leads to a huge amount of change, both physically and emotionally, and managing the impact on mental well-being can be difficult. Common signs include anxiety, depression, problems with memory and concentration, reduced confidence, and low mood. As the symptoms can last for some time and often begin well before the cause is identified, the impact on relationships can be gradual, and difficult to define.
    Ours study showed that 77% of women felt that per perimenopausal or menopausal symptoms affected their mental health.
    Menopause Awareness
    Perimenopause and menopause can be an incredibly over-whelming time. While society has moved on from the over-simplifying term ‘The Change’ and recognised that symptoms go way beyond hot flushes, a greater understanding and improved support is still needed.
    47% of women felt that if NHS support during the menopause was better it could have prevented their relationship from ending.
    When asked what they thought could help them and their partner most during the menopause, our study found that greater awareness, more understanding, and better support, were vital.
    Top 3 ways to help couples deal with the menopause:

    Greater awareness of the symptoms
    Better understanding from your partner
    Better support from GPs

    The impact on relationships
    Perimenopause and the menopause can be a particularly challenging time for couples and both partners can feel confused and concerned as they navigate the respective changes. Inevitably, it can highlight existing struggles, further damaging the connection between couples.
    Based on our study, it’s clear that a better understanding of the menopause and how it impacts women’s lives, and open communication between partners, can significantly help couples.
    Useful links:
    www.nhs.uk/conditions/menopause/
    www.menopausematters.co.uk/
    www.postcardsfrommidlife.com/
    The Break Up Club – Dealing with divorce during peri/menopause Webinar More

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    4 Types Of Toxic Relationship & Their Warning Signs

    Toxic relationships are difficult to define. As no two relationships are the same, there’s no one set of symptoms that clearly define an unhealthy relationship. However, the difference between a healthy relationship and an unhealthy one is often how it makes you feel. Luisa Williams from My Family Psychologist explains more.
    The negative impact of a toxic relationship is significant, affecting both physical and mental health. While healthy relationships have a foundation of trust, independence and respect for each other, unhealthy relationships often lead to feelings of low self-worth, a lack of agency, as well as feeling helpless, fearful, anxious, and often paranoid.
    The term ‘toxic’ doesn’t only refer to romantic relationships. It can apply to any kind of connection you make with another. An unhealthy relationship with a friend, a family member, or a co-worker, can be equally damaging to your well-being, but the most common signs that these relationships are toxic may vary.
    The signs that a relationship is toxic can accumulate over time and often the boundaries are blurred making it difficult for some to identify. However, if you’re drained by your relationship and your partnership isn’t equal, you might be in a toxic relationship. Signs that your relationship may be toxic:
    Toxic relationship: Friend

    They cross your boundaries

    If you have a toxic relationship with a friend, they might constantly do things that upset you or make you feel uncomfortable. Whenever you try to bring them up and set a firm boundary, they might become defensive or make you feel bad for wanting space. If they apologise, the apology rarely sounds sincere.

    They never listen to your problems

    While they might frequently come to you for advice, they don’t devote equal attention to listening to your problems. Whenever you need them, they appear busy, and every conversation tends to be about them.

    They can’t be happy for you

    Instead of celebrating your victories, they see you as competition. Your every achievement reminds them of their own shortcomings and means they feel they’re being left behind.

    They’re judgmental

    Instead of offering you mental support, they frequently judge your choices and make you feel bad for making them.

    You feel drained

    If the friendship feels suffocating and one-sided, chances are it really is. When your friend isn’t there for you when you need them, you end up feeling lonely and unsupported.
    Toxic Relationship: Family

    They compare you to other people

    No matter what you do, your family member is never satisfied. Somehow, you are never good enough while other people can do no wrong. If you have siblings, you’re often being compared even if you’re completely different people.

    They’re always right

    They always think they know better and treat you like you’re incapable of making your own decisions.

    They dismiss your feelings

    Rather than being empathetic, they’ll often simply tell you that other people have it worse or that you should be grateful for what you have. You aren’t allowed to feel unhappy and express any negative emotions.

    They pick on you

    They frequently make personal or critical comments about you. They might give you backhanded compliments, for example, “You look so pretty with makeup on, you should wear it more often” or “Are you sure you want to eat that?”.
    Toxic Relationship: Coworker

    They act superior

    A toxic co-worker might act like their role is more important than yours. Even though you might have the same duties, they feel superior and enjoy telling you what to do. Nothing is ever their fault, and they think they’re always right.

    They gossip

    They might frequently talk behind people’s backs, enjoy spreading doubt and deliberately turn colleagues against each other.

    They can’t work as a part of a team

    They struggle to cooperate because they want to look better than everyone else.

    They complain a lot

    More than venting about the odd bad day at work, toxic co-workers are never satisfied. They will regularly talk about how much they hate their job and feel every piece of constructive feedback is a personal attack. It becomes draining and can quickly causes discontent to spread.
    Toxic Relationship: Romantic Partner

    They have issues they aren’t willing to work on

    The key to a healthy relationship is mutual respect and growth. If your partner isn’t willing to work on themselves, they aren’t able to fully commit to the relationship. For example, your partner might have anger issues and throw things when you’re having an argument. They might not be abusive towards you but make you feel uneasy and unsupported.

    They can’t, or won’t, communicate

    Instead of talking things through openly and honestly, a toxic partner might disguise their feelings by giving you the silent treatment, lying, or becoming passive-aggressive. These manipulative tactics allow toxic partners to express their resentment or disappointment, while denying your opportunity to respond or express your feelings. This can leave you feeling misunderstood and isolated.

    Controlling behaviours

    Toxic partners often assert control over others using a range of behaviours including humiliation, intimidation, threats, and violence. They may isolate you from your friends and family, seek to control your finances, and monitor your time and whereabouts. This pattern of behaviour is often subtle and gradual, becoming apparent all of a sudden.

    The effort isn’t equal

    Your partner is emotionally detached and disinterested, unwilling to invest any effort or time into your relationship. They are always the priority. You’re always the one initiating plans, and the one who always texts or calls first. You feel you have to work hard just to sustain your partner’s attention, but your efforts never pay off.
    If you have recognise any of these behaviours or you have concerns about a relationship, it’s a good idea to seek help by speak to an experienced professional.
    If you need help and support understanding a toxic relationship you can contact My Family Psychologist, who offer specialised counselling services for adults, couples, and children as well as mediation services.
    Family Law Advice
    If you are in an toxic relationship and would like advice on your legal situation, please do contact our Client Care Team to speak to one of our specialist lawyers.
    Other Helpful Contacts
    National Domestic Violence Helpline – 0808 2000 247
    The Men’s Advice Line, for male domestic abuse survivors – 0808 801 0327
    The Mix, free information and support for under 25s in the UK – 0808 808 4994
    National LGBT+ Domestic Abuse Helpline – 0800 999 5428
    Samaritans (24/7 service) – 116 123 More

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    How to better connect with other people

    After over a year of profound social changes that have significantly reduced the opportunity for meaningful interaction, it’s not difficult to see why some of us have forgotten the art of connecting with other people. 
    Here, Psychologist Luisa Williams gives us top tips to increase connection and explains the multifaceted benefits of sharing better bonds with other people.
    We are all social creatures that crave interaction. But what we truly need is connection – a genuine bond with someone that goes beyond spending time with them and enjoying their company.
    When we connect with someone, we feel a sense of belonging that improves our well-being. Positive relationships with people don’t only make us less lonely but also increase life longevity and build our resilience. Connection helps us feel supported and more resistant to life adversities.
    But, if it has so many benefits, why do we find connection with others so difficult?
    An inability to connect might stem from low self-esteem. When we think lowly of ourselves, we’re afraid of being vulnerable enough to share personal struggles with others. A fear of vulnerability might be linked to trust issues. If you were hurt in the past, it’s natural you don’t believe in other people’s intentions.
    In some people’s cases, it’s a matter of a different worldview. If you experience mental health difficulties such as depression, anxiety, trauma history or personality disorders, you might feel isolated and struggle to relate to other people and their perspectives.
    But no matter what’s holding you back, you can learn how to better connect with others, and begin to enjoy the benefits of connectivity. Check out the tips below:
    Connect with a smile
    Smiling is one of the tricks that make others see you in a positive light. It conveys positive emotions and boosts your mood. When you smile at someone, they’re more likely to respond with a smile as well, which strengthens the bond and positive associations. Essentially, smile is a social tool. It lets others know you want to engage with them and that you’re someone they can trust.
    Practise social skills
    We all need social interaction, whether we’re lonely or not. However, problems arise when we turn to other people to receive validation or distract ourselves from negative emotions. Sometimes, we end up seeing our relationships as a transaction. In the end, we fail to commit and make an effort. If you want to build a true connection with others, you have to start seeing them as someone you can grow with.
    The first step is to become a great listener. Good listening skills let others know you care about what they have to say and that you’re interested in them as a person. Make sure you’re actively listening – make eye contact, respond with nonverbal cues and wait for a pause to ask questions about what is being said.
    If you struggle with concentration, visualise what the other person is saying. Make a mental note of what they like and dislike. It will help you get to know their boundaries and further strengthen the bond. If you know what’s important to someone, you’re less likely to jeopardize your relationship. Don’t forget to engage in small talk. It will allow you to showcase your personality and encourage building on the relationship.
    Get to know them
    Be present and forget about distractions. When you want to get to know someone, you have to make an effort and focus all your attention on them. Make sure you don’t look at your phone or worry about all the things you have to do when you get home.
    Develop interests. One of the most important steps is sharing mutual interests. Your likes and dislikes might be already obvious to you but if your life revolves around school or work, you might struggle to think of things you’re passionate about. Of course, most people enjoy watching TV or playing games but the key to building a relationship with someone is finding something you can both grow doing. You can start by trying out new hobbies. Make a list of your strengths and weaknesses and consider signing up for a new class.
    Lastly, learn to recognise when they feel uncomfortable or upset. Pay attention to their body language and changes in demeanour. Notice if they’re exceptionally quiet or struggle to keep eye contact.
    Don’t be afraid to be vulnerable
    Vulnerability. It’s defined as ‘uncertainty, risk and emotional exposure’. Most of us take risks frequently: we order food from a new restaurant, we cross the road when the light is red, and arrive late for work. But when it comes to people, we tend to play it safe. We hide our feelings and distance ourselves.
    Vulnerability is the price of connection. Connection is about stepping out of your comfort zone and being open with another person as much as they’re open with us. If someone shares their personal struggles with you, don’t be afraid to respond with the same.
    However, make sure you connect with yourself first. Try to sit with your thoughts and feelings. Write them down and try to link emotions to what’s going on in your life. This will help you spot a pattern and better meet your needs. For example, if your job is stressing you out and you don’t have time to rest because you work overtime, you might think of adjustments to complete your tasks faster.
    Be authentic and let people get to know the real you. If you find it difficult to open up and feel comfortable around someone you don’t know well, remind yourself that everyone has flaws. Write down your strengths and make sure you read them regularly. Finally, don’t be afraid to ask for help. A genuine friendship is based on trust and helping each other get through difficult times.

    If you’d like to hear more from Luisa on a range of other topics, visit My Family Psychologist. More