Teenagers and Debit Cards?

•July 4, 2018 • Leave a Comment

Yes or No? That would be a resounding YES!!! We have a 13 and 14 year old in the house (18 months apart). This summer my daughter was asking again for a phone. I asked how was she going to pay for it. She said I could work for you. Then it hit me…okay I could work with this. I have become their personal ATM for the last couple of years–clothes, movies, eat outs, socializing with friends….it was getting out of control. We struck a deal….$5 an hour, and she pays for anything she wants to buy/do. Okay, now we are talking. The first 1/2 hr of the day is to tidy up their rooms and common areas. Then they can do laundry, dishes, floors, landscaping, pool, bathrooms, organizing closets, office filing, paperwork, anything I want/need done they are there to do.
We started with my daughter who is actually younger but more ambitious on this project since she wanted a phone. We went to the bank. She had to set up a checking account, which a student checking account is free for 5 years and then as long as you have 10 transactions per month it continues to be free. We needed her social security number and I had to be put on the account as well since she is a minor. They allowed her to get a debit card with her name on it(big deal to a teenager). We also set it up so that she would be declined if she didn’t have the money to cover the expense.
How does it work, we got the bank app all set up on all our phones. I have each of their checking accounts along with my own. They only have their account on their screen and no transferring. I can instantly move money from one account to another. It is amazing!!! They can work and bam, it is there.
Well guess what…..the kids are making wiser financial decisions. They no longer want to stop at Taco Bell….because I ask, are you buying? Response: “No, let’s go home and we can make something”. My daughter wants(not needs a new swim suit), I say sure you are buying. Is it worth say 7 hours worth of work, for a $35 suit? NO, well then I guess you can make due with what you have. Do you want to buy the decent mechanical pencils or the fancy ones? I will give you the money for decent ones, do you want to pay the difference? NO!! Okay, the regular ones it is. And every month on the phone bill date, I pull $30 from each account.


Don’t Feed The Beast

•April 23, 2012 • Leave a Comment

This is a great catch phrase to help you and/or others to focus on facts, positive thoughts and direct questions/answers between parties. Get rid of the hearsay, gossip, the “I want to hear your side of the story”, the he/she said, the third party accounts of situations and the judging of others. In any organization, group, collection of people, this always happens. I hate to say it but it is worse with women than with men. Recently I was in this exact situation, it was twisting me in knots, people coming up to me, me being just as bad as everyone else. It was eating at me for about 48hrs, I said enough was enough. So I began to hold up my hand when people approached me about the situation, I said, I am not going to Feed the Beast, I am through with it, no more. I will answer direct questions from the parties involved but I am not talking about it except with the parties directly involved. I didn’t want to hear anymore about what someone else said, none of that betters the situation, nothing gets resolved and it is emotional poison. Since I started using the phrase, how much easier things are, if someone else wants the situation to eat at them, their loss not mine. But by using this phrase and explaining you won’t be involved, you are rising above the junk and coming out a better person.

I don’t want to hear excuses, I want to hear solutions….

•April 13, 2012 • Leave a Comment

If we could all live by this. It has gotten me a good bit farther in life and co-workers and bosses really appreciate it without even realizing it is being done for them. It is a totally teachable method, even on 7 and 8 year olds. I actually use it on my kids. They now know when the excuses start flowing, I put a finger up to stop the rant and even start to open my mouth, they say “I know what you are going to say….I don’t want to hear excuses, I want to hear solutions” Well that is easy enough, so we begin the process of brainstorming and figuring out what can be done to fix things. Placing blame or excuses doesn’t get you any closer to the end game, it’s irrelevant to moving forward, so skip the step, skip the acid emotions and get to the solution already. Yes this is easier said than done, I know, and it takes practice. Scary how many times in one day you can catch yourself, but once you break the old habit and start using this technique, it will make you not only a more productive person but a happier one as well. Try it today!

lowesbuildandgrow.com–Awesome Saturday Morning activity

•April 12, 2012 • Leave a Comment

We discovered these about a year ago and have been having a great time with them ever since. Every 2 weeks they have a different project to build at Lowes for kids and it is free. I go on-line and register usually once per month, you can sign up for 2 workshops in advance. We go in, get a package of the project, we put it together with cute little hammers, they have everything in the kit that you need. The kids have an apron where they get a patch that irons on when the project is complete and a certificate. It is really quite sensible to do because if we need to pick something up we usually get it on our Saturday morning trip. We also do the Home Depot Little Builders, that is the first Saturday of the month. You can’t register on-line for those you just fill paperwork out when you get there. At Home Depot you get pins to put on your apron. All the projects are great, but I will warn you, the old finished projects start to pile up quickly.

Mustgo Dinners–Save time and money on Meal planning and clean up the frig

•April 11, 2012 • Leave a Comment

We grew up on Mustgo Dinners. My Mom used to say “everything in the Frig must go!” My kids think this is great because I put a little special twist on it, I create a menu to go with the “Dinner Evening Specials”. I go through the frig and list main dishes, side dishes, drinks, desserts. Now remember there isn’t any sense in giving choices out of the pantry or freezer, only include the items that you want gone out of the frig. The rule is nothing should be made, you can be re-creating or combining things in the frig for a meal option but don’t add to it–that is key. It saves not only on meal planning since everything is right there, money because we won’t end up throwing it away when it goes bad but it also cleans up the frig. Guess what we are doing for dinner tonight? 🙂

New Fountain Soda Dispensers at Burger King

•April 10, 2012 • Leave a Comment

Okay so it doesn’t take much to entertain me. We got some coupons for BK in the mail the other day. We hadn’t been to our local BK for a while so we figured we would give it a whirl. Those new soda dispensers are cool. It is very difficult for me to find fountain soda since I like to drink caffeine-free diet soda. They usually offer Diet Coke/Pepsi and a Sprite but never a Sprite Zero or anything like that. Well this new fandangled dispenser not only has Sprite Zero it has about 5-6 other caffeine-free diet options, including powerade zero. Who knew? In addition to having all sorts of kinds of soda options, they add in the flavor variations as well, ie Raspberry, Cherry, etc. I can tell you it was fully entertaining for our 7 and 8 year olds. We tried so many different kinds. Probably not cool and down right annoying if the restaurant is busy but we went when it was dead and had a great time with it. This was the first time I had seen it so I don’t know if everyone will be going to this or just select locations and/or chains, not sure but I thought it was cool.

Breakfast Enchiladas-Yum!

•April 9, 2012 • Leave a Comment

Over that weekend we were having brunch company, trying to figure out what to make, hubby started me thinking along the lines of breakfast burritos, well it turned into Breakfast Enchiladas and they were awesome. Very easy actually and I can’t believe I haven’t thought of it before.

Coat the bottom of a 13X9 pan with enchilada sauce, set aside. Then take a can of cream of mushroom soup and 8-16oz of sour cream(depending how much sour cream you like–I used what I had left of a 16oz container), and mix those in a bowl and set aside.

Now for the filling, you can use any of the following, I used eggs(12), drained-squeezed spinach(frozen), a couple handfuls, chopped up canned mushrooms–didn’t have any fresh, drained-squeezed canned tomatoes–I needed the fresh for other things later in the day, hey I said this was a last-minute change 🙂 We also had some sausage crumbles in the freezer. Mix all that together, and scramble in the fry pan. Make sure everything is well-drained or it will all separate and not be nearly as good. I had to split it in a couple different batches, when it came out of the pan, I layered with cheddar cheese and put a plate over so it would melt. Then when the mixture was all done, I scooped it into the shells, put them in pan, put the cream sauce over the top, covered with foil, put in 350 oven for say 20 minutes, then added cheddar on top, turn off oven and put back into oven until the company comes. Now if it starts to get crusty on the top throw the foil back over the top.

Or if you don’t want to do the oven thing, we had extra and were starving so we used the extra shells, stuffed the scramble in, used the cream sauce and a little salsa and ate them like that, that was awesome as well.