Author Archives: OMS Blogger

Grandparents are our saviors

“Young people need something stable to hang on to – a culture connection, a sense of their own past, a hope for their own future. Most of all, they need what grandparents can give them.” – Jay Kesler

Grandparents are a blessing, they provide wisdom, assistance, and if they can, they will most likely provide some financial support. The greatest of all, -they love their grandchildren deeply and unconditionally.
Yet this blessing might be taking a toll on them, many of us, forget that they are aging, and should be enjoying the fruits of their labour without stress. Articles have surfaced and state that more and more generation X and Y’ers that have children need their parents support as they must go to work to survive. Within the 2011 Government of the United States Census it states “…Family members continue to serve as an important source of child care for preschoolers. In 2011, 24 percent of preschoolers were regularly cared for by their grandparents, ……The percentage of preschoolers cared for by grandparents has risen from 1997, when it was 21 percent….” Its 2016, image in the rate now…
This is due to many evident and available indicators, household incomes are declining, child care is costing more, and the cost to raise a child is higher. These factors combined with a downward economy makes any person realize that money is running short for the “middle-class”
In todays financial times, both parents need to work, terming “dual income households” yet the blunt truth that the house hold with two parents working are making around 45K gross.
So for those that have the “grandparent resource” help them manage the house, and take time to care for their grandchildren; you should be very grateful and fully aware that your output cost for childcare is now drastically decreased.
So before you go out on a night around the town; think about this: How much money would you be spending for your children to attend childcare? -Its not cheap, and each state and province is elevating, regardless of the available subsidies provided by the government. Daycare in the United States is costly; and if you have two children, it is tragic.

YOU SHOULD offer the grandparents something for helping you out. Here some justifiable offers:

  • Bottle of their favorite beverage
  • Gift certificate for a massage, nails,
  • Trip – remember you would be spending at least 1K per child for childcare totaling 12k, so buying them a 800$ vacation is justifiable.
  • Movie passes
  • Subscription to their favorite newspaper and/or magazines

http://www.census.gov/newsroom/press-releases/2013/cb13-62.html

Child Care Costs
 Mothers with children under 5 were more likely to make child care payments than mothers with children only between 5 and 14 (46 percent and 23 percent, respectively).
 While the cost of child care increased over time, the percent of monthly family income spent on child care stayed constant between 1997 and 2011, at around 7 percent.
 Families in poverty who paid for child care in 2011 spent a greater proportion of their monthly income on child care than did families at or above the poverty line (30 percent compared with 8 percent).
The statistics in this report were collected from January through April 2011 in the Survey of Income and Program Participation.

CHILDCARE—
When I had the pleasure in stumbling upon this Ad for a caregiver/babysitter at the employers home:
Required duties: “..Wash, iron and press clothing and household linens; Travel with family on trips and assist with child supervision and housekeeping duties; Shop for food and household supplies; Perform light housekeeping and cleaning duties; Assume full responsibility for household in absence of parents. Tend to emotional well-being of children; Supervise and care for children; Prepare and serve nutritious meals; Organize, activities such as games and outings for children; Maintain a safe and healthy environment in the home; Keep records of daily activities and health information regarding children; Instruct children in personal hygiene and social development; Discipline children according to the methods requested by the parents; Bathe, dress and feed infants and children; Help children with homework Must show: Initiative; Effective interpersonal skills; Flexibility; Organized..” and the pay is between $6.00-9.00per hour.

Some interesting statistics: The U.S. Census Bureau (2014) reports that 10 percent of children in the United States live with their grandparent(s). Canada don’t worry we will not forget you, your government did a study released in 2015 “Grandparents living with their grandchildren, 2011.” Cited more than 600K families are living with their grandparents to assist in the general care of their grandchildren and contribute to the cost of living.

And according to 1998 statistics, only 11 percent of grandchildren living with a grandparent did so because of the death of one or both parents.
Shelley Emling Senior Editor, The Huffington Post : Proof That The Grandparent-Grandchild Bond Is Stronger Than Ever
Congress passed the legislation proclaiming the first Sunday after Labor Day as National Grandparents’ Day and, on August 3, 1978, then-President Jimmy Carter signed the proclamation. The statute cites the day’s purpose: “…to honor grandparents, to give grandparents an opportunity to show love for their children’s children, and to help children become aware of strength, information, and guidance older people can offer”.
National Grandparents Day has been celebrated since 1978, when President Jimmy Carter signed a federal proclamation eight years after Marian McQuade, a West Virginia housewife, started a campaign to establish the day.
McQuade and her husband, Joe, had 15 children, 43 grandchildren, 15 great grandchildren and three great-great grandchildren.

Source: http://www.cleveland19.com/story/33064955/national-grandparents-day-honors-grandchildrens-simplest-toy

The census also notes that 2.6 million grandparents were responsible for the basic needs of one or more grandchildren under age 18 living with them in 2014. Of these caregivers, 1.6 million were grandmothers and 1 million were grandfathers.
Grandparents are hardly rolling in the dough. In the U.S., 547,722 grandparents caring for grandchildren under age 18 had incomes below the poverty level in the last 12 months compared with the 2.1 million grandparent caregivers whose income was at or above the poverty level.
The median income for families with grandparent householders responsible for grandchildren under age 18 is $49,700. Of those families in which a parent of those kids was not present, the median income fell to $37,044.
The census notes that 1.8 million of those grandparents caring for their grandchildren were married. That includes those grandparents who were separated.
Many of the grandparents also had jobs. The census reports that 1.5 million of the grandparents caring for their grandchildren under age 18 were in the labor force. Of that number, 383,694 of the grandparents were age 60 or older.
In the U.S. 1.8 million of the grandparents responsible for their grandkids lived in owner-occupied housing, compared with 831,146 who were living in renter-occupied housing.

Read more here:http://www.kansascity.com/opinion/opn-columns-blogs/lewis-diuguid/article100832212.html#storylink=cpy

Cutting Costs in Hair Cuts..

I don’t believe that I am frugal with my children, I am believe that I am being responsible. It is more sensible to save money for their future by cutting out unneeded spending. At minimum, a hair cut for a child in my area is $12+ that is about the hourly rate of pay for most..
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Having four children, I understand the cost(s) in raising little ones, especially in todays economy. I find myself listening to more and more stories of children getting their hair cut and becoming anxious and afraid- making it a traumatic incident rather than a memorable one.

One service within our household that I do take upon myself (to reduce spending) is by cutting our sons’ hair. My wife and daughter still attend a salon.

I did not attend school to learn how to cut hair, however, growing up my friend Collin cut my hair and we would reciprocate the favour; and in college I was able to practice on my roommates (they were not as forgiving as my sons are now, nor how I was with Collin).

My wife knows that I don’t want our children to be made fun of, so I have taken the time to browse Pinterest on the latest styles, compared to referring to the hair salons out-dated “big book of hair style” from 1998.



Justification On ME Cutting The Boys’ Hair:

  • 1.) I can take my time, not in a rush
  • 2.) Bonding with my sons
  • 3.) Their hair is more forgiving
  • 4.) Save money ($15-25 per haircut)
  • 5.) It’s simple once you get the hang of it
  • 6.) As a parent, I stay constantly aware of what is trendy
  • 7.) With the money we save, I take the boys for a walk to the local candy store and they get a treat.

Items You Will Require:

  • 1.) Comb & scissors
  • 2.) Spray bottle (do NOT use an old chemical bottle)
  • 3.) Clippers with #2&3 blades guards, almost every drugstore carries them, I found ours at Costco
  • 4.) Old Dress Shirt
  • 5.) Chair or stool
  • 6.) Permission from your spouse/parents of the children

These Are The Steps That I Use To Cut Hair:

  • Step 1. If you have a spouse, ask permission first……
  • Step 2.) Fill your spray bottle with water
  • Step3.) Have the child sit on the chair/stool and wrap the old dress shirt backwards around them with the collars up and out and button-up the top buttons.
  • Step 4.) Spray the childs hair with water (just a couple pumps for their head) and section the hair:
  • a.) Section the hair into quadrants, left & right side, front & back (use a hair clip) collect the hair on top of your childs head and clip that, and do so with the other areas.
  • –or–

  • b.) Use a comb and divide the hair into quadrants, left & right side, front & back and then clip it into sections. Now clip the top section by combing a rectangle from temples straight back to crown, leaving a section above ear on either side. Part back of hair into a 4-section grid.
  • Step 5. Let top section down and take a very thin section from left side and comb it straight up with a fine-tooth comb. Now cut 1/4 inch off. Moving left to right and back to front, repeat, cutting to within 1/2 inch of front hairline.
  • Incident learned by mistakes : Try to only cut 1/4 inch all over. Hair will look longer in some places, this is due to the curvature of the head.

  • Step 6: Now cut the back: Take down top left back section and use part of already cut top section as guide for length to cut. Work right to left, with sections no more than 1/4-inch thick. Repeat for bottom left, top right, and bottom right sections.
  • Step 7: Cut the Sides: Continue by dividing left side section of hair into smaller horizontal sections. Working right to left, cut 1-1/4 inches off. Repeat for right side section.

 

Finish by combing front hairline section forward and trimming to desired length. NOW use a Clipper to Cut One Length

Choose a guard length (such as No. 3) and attach to clipper. Start at the back, working your way up to the crown, and finish with the sides. Choose guard No. 2 for a shorter haircut.

To fade the sides with a clipper: Attach a short guard (such as No. 2) and move hand from nape of neck to bottom of crown, bringing buzzer toward you in an arc to blend layers

Now clean the necklines: Flip the clippers and now cut across bottom of neckline and create straight lines from neckline to ear. Take note of where sideburns land at ears to trim evenly. – Do NOT press down hard, the clippers can cut skin.

As per the terms of use, the information provided on this page are not instructions nor an explanation on how to cut hair, this is the authors interpretation on how he cuts hair, it is the sole discretion of the reader to follow or take any form of direction from the content listed within the page or provided by any link(s) connected to this page. Outgrown My Stuff, and the author are not responsible nor liable in any capacity for any harm by any method.

Are sports for the wealthy -Can children in the United States still afford to play sports?

Is the United States economy is still declining

In 2012, a contributor to Forbes Online, Darren Heitner stated “….U.S. economy is in decline…..Meanwhile, American parents may want to take an introspective look at their own spending habits, specifically as they relate to expenditures concerning their childrens’ sports-related costs.”

Fast-forward to 2013, and the same warning is presented to American Parents from The Huffington Post Blog on the affordability of participating in sports, with the article “High Cost of Youth Sports” with two sentences “…that youth sports are no longer an excellent opportunity for social involvement determined by passion and skill, but by the family’s financial resources, sustaining a $5 billion-a-year industry….” should have awakened their online readership with the statement that deems that there is a clear separation of the “haves” and “have nots.”

is-the-united-states-economy-is-still-declining
The financial impact of raising a family this year can make you feel alone and out in the cold.

This article is not encouraging you to give-away your childs outgrown sports equipment, yet consider selling it online here on the Outgrown My Stuff site, where you can make it affordable for others, and make some money. It’s a site created by parents, for parents -and everyone has one common thing -children.

Lets work together and offer our fellow Americans a chance to play any sport that they want to try.

References : –

http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/darrenheitner/2012/10/04/1-in-5-american-parents-spending-more-than-1000-per-child-on-sports-related-expenses/&refURL=&referrer=
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/darrenheitner/2012/10/04/1-in-5-american-parents-spending-more-than-1000-per-child-on-sports-related-expenses/&refURL=&referrer=

*Retrieved and referenced with the implied consent of “share” as posted on the authors site.

FINANCE – Cost of Living in 2016 as a Middle-Class Family

One of the major question’s that comes to mind when planning to have children is -How much does it cost to raise a child today?
Schoolchildren embracing happy. Multi cultural racial classroom.
This is a not a simple question as it is layered with lots of variances, how many children, who is working, where do you live, do you rent, what type of employment do you have, do you have a mortgage, do you include vacations, childcare, do you have student debt…and the list can literally go on and on for pages and pages.

In 2014 CNN Money stated “To raise a child born in 2013 to the age of 18, it will cost a middle-income couple just over $245,000, according to newly released estimates from the U.S. Department of Agriculture. That’s up $4,260, or almost 2%, from the year before.”

The reaction of this was captured by Philadelphia CBS, interviewing new parents that had twins “…. “I was just knocking my head against the doctor’s office like, ‘oh no.’ And it’s the worst thing to feel, because it’s like awesome having kids, two kids, but it’s also horrible to think the first thing I can think about is money.”

The 2014 online consensus from various credible resources affirm that it DID cost 245K plus college and other aspect to raise a child in the United States.
-OMS Researcher SC.

References : –

1. http://money.cnn.com/2014/08/18/pf/child-cost/index.html

2. http://philadelphia.cbslocal.com/2015/05/05/3-on-your-side-cost-to-raise-a-child-245k-not-including-college/?utm_content=buffercf5c9&utm_medium=social&utm_source=twitter.com&utm_campaign=buffer

*Retrieved and referenced with the implied consent of “share” as posted on the authors site.