I Am Protective



Holiday Spending

You never want your child to feel left out, devalued or disappointed. So, when they come to you with their holiday wish list full of new items they seem to think they deserve, what do you do? Do you give them everything they long for or, do you take the time to help them appreciate the things that are truly valuable? Here are some tips to keep the “reason for the season” the focus in your home this holiday. Create Family Traditions What do you remember most? The year you got a baby doll or the year your entire family went ice skating and your dad couldn’t keep his balance? Research shows that people are happier when they have strong emotional experiences rather than when they receive gifts or are spending money 1.  So make a concerted effort to create or engage in traditions this holiday. It’s best if these…

Holding Onto Joy (and Your Budget)

I love this time of year. It’s a season of joy, cozy nights by the fire, Hallmark movies, and time with family and friends. The whole world seems to take a moment to breathe and focus on things that really matter, like the spirit of giving. Most of us make all kinds of lists to stay organized during the holiday season. A list of gifts perhaps you’d like to have, a list of gifts you’re going to give… and “checking it twice,” right? Buying gifts can be a wonderful holiday experience but stressful at the same time. If you’re like me, you care a lot about getting something the other person will really love. But as a young married couple trying our best to stick to a budget and pay off student loans, we can’t always afford the kinds of gifts we’d like to get for everyone. When you consider…