Money Recommendations To Buy A Home As A Single Parent

Single parenting is challenging, specifically when it comes to managing finances. You may struggle to pay the bills and stay afloat with a single income. Even moms getting alimony and child support may encounter financial glitches more than once. But buying a home can save you a lot of trouble by bringing stability and curbing the stress of a rental lifestyle. You need not worry about the ever-rising rental trends or lease deadlines. Moreover, a home is a long-term investment that secures your family. But you must have a robust financial plan to make a massive real estate purchase. Let us share a few valuable money recommendations for buying a home as a single parent. 




Figure out your finances

The first step is to figure out your finances as a single parent. Pay attention to details like your monthly income, expenses, and savings. Your savings are perhaps the most significant number because they help you decide the amount you can afford for a down payment for your home. Likewise, check your income, whether you have a full-time job, a business, or alimony and child support. It helps you determine the amount you can pay for the monthly mortgage. Remember to consider changes in income and expenses to plan for the long haul. You can rely on these calculations to decode a comfortable budget for home buying.

Estimate the cost of home buying

Home buying is more than the upfront price of the property. Single parents often do their math wrong and end up with a deal that burns a hole in their wallets. You must understand the extra elements of the purchase to estimate a realistic cost and prepare your finances accordingly. Typically, these include realtors’ commissions, property taxes, title fees, and moving expenses. You may also want renovation or customization for the house, which can add a significant amount to your home’s cost. 

Sort out your credit

Credit scores are an integral part of the home-buying process, and they are even more crucial for single parents. You must have a clean track record and a healthy credit score to procure a loan at an optimal interest rate. Lenders may already have some qualms about financing single parents. But a good credit score can make a difference, so check it before embarking on a buying spree. In fact, you must embrace habits like avoiding unnecessary expenses and paying your bills on time to maintain a healthy score.

Find an ideal home loan

Finding an ideal home loan is as crucial as searching for a dream home. You must go the extra mile to shop and compare home loan rates as a single mom and dad. The extra effort can get you a loan at a lower interest rate. Moreover, you can look for favorable terms and conditions. It is worthwhile because even a marginal difference in loan rates helps you save a hefty sum in the long run. The best part is that comparing loans is easy, as you can find a reliable website that lets you do it in a few clicks. 

Create a checklist

Another money recommendation that single parents can follow while buying a home is to create a checklist of things they need in a house. It enables you to shortlist properties within your budget and expectations without much hard work. For example, you can look for a home with child-proof features if you have little ones. Features like a school or daycare nearby, proximity to shopping malls, and an outdoor play area are ideal for young families. Also, check the location because you will surely want the house to be in a safe neighborhood. 

Think long-term

Money-savvy home buyers think long-term when it comes to real estate ROI. Single parents must dig even deeper to understand the potential of their investment. Consider the demand and pricing trend in the local market to learn about the rental and resale potential of the property. You may want to downsize once the kids leave for college, so the resale value is a crucial factor. Buying a big house makes sense if you can afford one because you can sell it at a premium. Moreover, it will be a great option when your kids plan to live together as one big family.

Buying a house as a single parent need not be as tricky as it sounds. A little financial planning and wise choices can help you make it a breeze. Follow these tips to buy a perfect place for raising your kids. 

 

Should You Integrate Digital Learning Into Your Kid’s Education? Absolutely

 




Image courtesy of Pixabay (CC0)



Modern tech is often cited as the enemy of younger generations. When used correctly, though, there is no doubt that it can supercharge your child’s education. Especially when it is designed to support more traditional ways of learning.


Here are just some of the reasons why you must stop fearing the role of modern tech in your child’s education. 


Tech Skills Have Become Pivotal 


First and foremost, digital learning is no longer optional. Virtually all schooling institutes will use digital portals for delivering class lessons. They will additionally use them for managing homework assignments. As such, embracing digital learning at home is the only way to stop our child falling behind. A laptop or tablet is almost certainly needed. In some cases, grants may be available for your child.


Ultimately, though, using computers as a part of their daily education is the norm for most kids. Building familiarity with those key tools at an early age is the best way to ensure that they feel 100% confident and capable. Especially as the digital reliance is only set to grow.


Digital Learning Increases Student Engagement


The fact that all school kids now use modern tech means you cannot ignore it. In reality, though, learning via digital learning is far more engaging. People retain far more information when they watch a video rather than read a textbook. Videos provided by Generation Genius, for example, bring science lessons to life. Meanwhile, digital learning can often open the door to collaboration and teacher feedback.


An active participation through interactive learning adds to the engagement levels too. So, by embracing digital learning, your child will directly gain a better level of education. If that doesn’t encourage you to think of it in a more positive fashion, perhaps nothing will.


It Develops A Better Relationship With Learning 


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Society currently has a huge problem with excessive screen time for both adults and children. However, that doesn’t mean all forms of screen usage are detrimental or a waste of time. Movies and TV often educate as well as entertain. Meanwhile, gaming is shown to help with problem-solving and hand-eye coordination. Frankly, the key to success revolves around finding balance. 


Digital learning is a fantastic way to make this happen. Better still, most youngsters enjoy learning new tech so will be happy to learn in this way. When combined with an emphasis on finding balance with time spent outside with people they love, your child will be fine.


It Is Your Chance To Educate Your Child On The Dangers


One of the other reasons why many parents are hesitant to fully embrace digital tech is that there are dangers. From identity theft to catfishing or online bullying to ransomware, cybercrime is at an all-time high. As such, parents should be eager to embrace these online safety tips. Aside from protecting your child in the digital landscape, it’ll help you gain peace of mind. 


Keeping your child protected is one thing, but teaching them to identify and avoid the dangers is another. Digital learning at home allows you to play an active role in ensuring this happens. In turn, this will help them stay safe when they have their own devices.


Digital Learning Makes It Easier To Track Progress


Data analysis has become a key feature of modern business, and it can be just as useful for student education. Programs can track how your child’s skills in a specific subject have grown and compare them against other students with ease. Meanwhile, tools like TickTick can support scheduling and daily productivity. This can actively encourage your child to take responsibility for their schedule.


Hitting targets will build your child’s confidence. Teachers and parents can also spot worrying patterns or areas of improvement before they become big problems. In turn, the appropriate response can be implemented to get the student back on track.


Digital Learning Will Prepare Your Child For The Future


Finally, it’s not just a case of using digital learning to support your child in the present. It has the potential to be equally rewarding for their future prospects. After all, it’s likely that they will undertake an online course or degree in the future. Similarly, their job applications and daily tasks will probably include a lot of computer-based work. Boasting advanced tech skills will be an advantage.


Most people will naturally become tech literate and possess basic skills. But knowing how to quickly learn new applications and features can make a world of difference. As a parent, you can push your child in the right direction.





How to Get Your Yard Ready for the Spring

 


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Spring is a beautiful time of year. The birds start to sing, the flowers start blooming, and the grass starts to turn green. Unfortunately, if you don’t take a few steps to prepare your yard for springtime, you might find yourself dealing with some nasty surprises when warm weather finally arrives. Luckily, getting your yard ready for spring doesn’t have to be overwhelming! In this blog post, we’re going to take a look at some key simple tips to help you make it happen.

Clean Up Debris

Before you can begin any other yard work, you need to get rid of all the debris that has accumulated over the winter months. Leaves, branches, and twigs should all be removed from your lawn and either composted or discarded. If there is still snow covering parts of your lawn, use a rake or leaf blower to remove it so newly-emerging plants will have plenty of space to grow. Once all the debris has been cleared away from your lawn and garden beds, give everything a good sweep before moving on.

Aerate Your Lawn

Aeration is an important step in prepping your lawn for springtime growth. Aerating involves punching small holes into the soil with either a core aerator or a spike aerator; this allows air and water to penetrate deep into the ground and helps promote strong root development in plants. If you don’t want to purchase an aerator, many landscaping companies offer rental services at relatively low prices. This will help you to ensure it starts to get healthier.

Fertilize Your Soil

Once you’ve finished aerating your lawn (or if you decide not to do it at all), it’s time to fertilize! Fertilizer adds essential nutrients back into the soil and helps grass absorb water more effectively as it begins its growing season. For best results, choose a fertilizer specifically designed for lawns—generic plant fertilizers won’t provide enough nitrogen for optimal grass growth during springtime.

Tidy Up Your Entertaining Space

Taking some time to spruce up your patio or decking area can make a huge difference. Start by pressure washing the patio or decking area. Then, any furniture should be given a thorough clean with warm, soapy water and allowed to air dry regardless of its material. Cobwebs should be removed from ceilings and walls, and dead plants or weeds should be cleared away so that they won't ruin the appearance of the space. Finally, you should refresh any outdoor d├ęcor with items such as plant pots full of colourful flowers for added vibrancy.

Making Sure Your Yard is Spring-Ready!

With just a bit of effort now, you can set yourself up for success later by ensuring that your yard is ready for springtime growth! Clean up debris from your lawn before beginning any other yard work; then consider aerating and fertilizing your soil so that freshly-sprouting plants can reach their full potential as they come into bloom this season. Then, it’s all about getting your entertaining space spring-ready too! Follow these easy steps and soon enough you'll be enjoying lush green grasses and vibrant blooms in no time.


Busy Moms' Guide to Easy, Delicious Dinners

 Culinary success can be a daunting task for busy moms. With the chaos of everyday life, it's easy to forget about meal planning and preparation. But a tasty dinner doesn't have to take hours in the kitchen or require expensive ingredients. Here are some tips to help busy moms get delicious dinners on the table without breaking a sweat!


Via Pexels

Meal Plan:


Meal planning is essential for busy moms looking to save time and energy in the kitchen. Not only does it help organize meals ahead of time, but it can also help save money by avoiding multiple trips to the grocery store.


Meal planning doesn't have to be complicated or take a lot of time; even committing 10-15 minutes a week can make a big difference in how quickly dinner can be on the table. Moms can create a list of favorite meals and plan their weekly dinners around ingredients that are already in the pantry and fridge.


Planning ahead also helps keep food waste at bay and prevents last-minute decisions that often lead to unhealthy options. Also, meal planning allows moms to get creative with their cooking and explore new recipes without risking wasting precious ingredients if they don't turn out as expected.


Keep it Simple:


When it comes to dinner time, simple is always better. Eating a meal doesn't have to be an elaborate or complicated affair; some of the best dishes are made with just a few ingredients. For example, this easy recipe for instant pot chicken and rice requires only a few ingredients and is ready in just 30 minutes.


Simple meals can also be healthier; relying on fresh produce and wholesome ingredients often creates much more nutritious meals than ones that rely heavily on processed foods. Minimizing the number of ingredients in a dish also cuts down on costs since fewer groceries have to be purchased.


Easy dinners don't have to mean sacrificing flavor, either! There are plenty of ways to make basic dishes exciting, such as adding spices, herbs, marinades, or sauces to inject new flavors into familiar recipes. Combined with some simple sides such as roasted vegetables or a green salad, any busy mom can whip up a tasty dinner that her family will love!


Don't be Afraid of Frozen Food:


Frozen food gets a bad rap, but it can actually be a busy mom's best friend. Frozen food can be just as nutritious as fresh, and it often lasts much longer in the freezer. In fact, many frozen fruits and vegetables are flash-frozen at their peak of ripeness, meaning they maintain more nutrients than produce that has been sitting on a store shelf for days or weeks.


Frozen ingredients also take out all of the hassles of preparation; there's no need to chop or peel anything! This makes putting together dinner lightning quick; just dump some frozen veggies into a skillet, and dinner is good to go. For an even faster meal, look for pre-packaged frozen meals that can be heated up in minutes.


By following these tips, busy moms can whip up tasty dinners without spending hours in the kitchen. From meal planning to using frozen food, there are many ways to make dinner time simple and stress-free. With a little bit of planning and preparation, busy moms everywhere can enjoy delicious meals that are sure to please even the pickiest eaters!​


What Foods Give You More Energy?

 What foods make you feel most energetic? You might think that energy drinks or coffee will help, but that's not always the case. Even though all foods give you some energy, some have more important nutrients that help you feel more energized.

 

Want to stay awake, alert, and productive all day long? Be sure to eat some of these foods that give you energy if you want to feel more awake.

 

Photo by Life Of Pix

 

Peanut Butter

Though peanut butter is high in calories, you really only need a small amount to provide a satisfying pick-me-up that will boost your energy levels. Because of the protein, fiber, and healthy fats it contains, it can keep hunger at bay and blood sugar levels steady. Instead of spreading protein- and fiber-free butter or jelly on your morning toast, try peanut butter instead. Or why not make a peanut butter banana smoothie if you’re in a rush – the combination of the potassium in bananas and peanuts make an excellent energy-boosting way to start the day. 

 

Spinach 

Minerals like iron, magnesium, and potassium can all be found in abundance in spinach. Iron is essential because it carries the oxygen the body needs to function. Together with potassium, magnesium is essential for the proper functioning of nerves and muscles and is thus essential to the body's ability to produce energy.

 

Sweet Potatoes 

Sweet potatoes, like bananas, are a good source of natural electrolytes because of their high potassium content. They are also full of complex carbohydrates, which means the energy you get from them will be released slowly over time. So you can feel their effects for many hours, and you won’t get a sudden rush followed by a crash. 

 

Oatmeal

Oatmeal provides sustained energy because of the complex carbohydrates it contains. The serotonin-boosting effects of oats on our bodies can aid in stress reduction and improve cognitive abilities. We do have a note of caution, though: flavored instant oats in pre-packaged, individually served packets tend to be loaded with sugar. Make your own instead and top them with healthy ingredients like berries, bananas, and maple syrup or honey for a delicious and nutritious morning meal.

 

Greek Yogurt 

If you're looking for a snack that will give you energy and keep you full, plain Greek yogurt is a great choice.

 

This dairy product's popularity has risen rapidly in recent years because of its increased protein content, setting it apart from traditional sweeter yogurts. Approximately 17 grams of protein can be found in a single six-ounce serving. Scientific research suggests that the more protein you eat, the less likely you’ll be to snack because you feel fuller for longer, so you can control your food intake more easily.

 

Salmon

Salmon is called "brain food" because it has omega-3 fatty acids, which are nutrients that have been shown to reduce depression and improve mood. Salmon is also good for your heart because of its healthy fats. These fats help lower blood pressure and bad cholesterol, which can make you more likely to get heart disease. Plus, the high protein count makes you feel full, so it's a great dinner option for people who are trying to lose weight and want something that will give them energy.