With the start of the New Year, are you making some resolutions about your finances? Here are a few tips that might help you reach some goals for 2023:

Plan ahead for the coming year.  

Is your car going to need some major repairs, or will you need to purchase a new one? Don't put off thinking about large expenses till the last minute. Make some decisions now, and look for alternatives too. Perhaps the gym membership isn't affordable this year, but a thrift store bicycle might well be the answer. 

Change the way you think. 

Before you make a purchase, figure out how many hours of work are required to pay for it. Are you still willing to splurge? 

There are studies that show that people are willing to pay 30% more for an item when they're paying with a credit card. Having to fork over that hard-earned cash might deter you from spending so much of it!

Splurge sensibly. 

There's nothing wrong with having a few financial vices, because they can keep the others in check. Food, clothing and entertainment are often our weaknesses. So pick the one you can't live without—will it be the exotic coffees, or the designer shoes? 

A few changes can make a big difference in your financial state, so spend wisely in the New Year.

Family dinnertime engages people and fosters connections to create stronger relationships. We know it may seem outdated especially with your busy schedules. However, we promise you’ll miss out on so much if you avoid having shared family dinnertimes. Family dinners are settings for the most interesting conversations and interactions even in movies and TV shows, and that’s not a coincidence.

Food and meals bring us together through the smells, the recipes, and even the ritual of setting the table. It’s such an essential part of connecting that even poems have been written about it! Check out some creative kids’ poems here.

Family dinnertime brings us closer together as parents to connect and listen and as children to share and feel valued. As a family that spends time together, it is important that we know what’s going on in each other's lives, and have open communication channels, and daily safe spaces that help us feel happier and healthier.

Some of our favorite benefits of enjoying family dinners

• A healthier relationship with food and meals
• Lower rates of mental health issues like depression and anxiety
• Higher self-esteem
• A resilient mindset that aids performance
• A stronger sense of connection and bonding

You can take an ordinary meal and turn it into a fun experience to catch up on your day together.

• Have a contest on who has the funniest story about something that happened that day. The winner gets an extra serving of dessert!
• Get creative by trying new recipes together.
• Go around sharing your day so everyone feels valued
• Getting as many members as possible of the family involved in preparing the food. You can even have a dance party while doing it!

Now set the table and enjoy!

Thanksgiving is here and Christmas is just around the corner. Your kids might already be thinking about how much they want (and telling Santa all about it), but November is a good time to contemplate the blessings that you already have. Taking the time to pause and reflect can bring more joy into your celebrations this year.  

Look for the good in daily life. It’s easy to get swept away by negative thoughts and complaining. Put the focus back on the positive. Find ways to express gratitude each day. Celebrate small things like beautiful weather or green lights on the way to work. Give thanks for big ones too: your family, friends, and a place to call home. 

Help someone in need. Volunteering is a powerful way to make a difference in your life and the lives of others. Find a cause you feel passionate about and find out how you can help. Your contribution is important, and you’ll have a way to connect meaningfully with others who share your values.

Draw close to your loved ones. Unplug from the holiday hubbub to enjoy simple pleasures with family and dear friends. An evening of laughter and catching up will recharge your spirits. There’s no need to do anything big or fancy; these are the people who love you as you are. 

Sometimes we get so busy celebrating the holidays that we forget why we’re celebrating. Strengthen your relationships, and rejoice in their loving comforts. Lend a hand to someone in need. Remember to appreciate the good in your life, and you just might find more of it. These simple ideas can enrich your life throughout the year.

To shop or not to shop? That is the question. Is it smarter to suffer crowds and craziness for outrageous deals at the mall, or to sit safely in your cozy home, racking up bargains from the Internet? As soon as Thanksgiving is over, holiday shopping season kicks off in full force with Black Friday, followed quickly by Cyber Monday. Here are some ideas that will let you complete your holiday shopping for less this year.

Look for price matching guarantees.

Savvy shoppers know the deals they want to buy before they ever leave home. Make a list of holiday gifts you plan to give. Check your list against sales advertisements to find the lowest price. Double check the ad for a price matching policy, or even better, a lowest price policy. These policies can condense your shopping to one or two stores, saving you both money and time.

Take advantage of special prices online.

Don’t forget to look online for must-have presents. Many online retailers offer spectacular sales on Cyber Monday. Free shipping deals abound during the holidays, and promotional codes offer extra savings. Use a search engine to check for promo codes before you check out. Many stores open their online sales as early as Thanksgiving Day, so while everyone else sleeps off the turkey, you can start checking items off your list.

Get an early start. 

Keep an eye on the sales happening in the week leading up to Thanksgiving. The prices may be as good or better, and you won’t have to dodge crazy drivers in the mall parking lot. If you do find a better price on Black Friday, ask for a price adjustment. Many stores will refund the difference to a new lower sales price within 1-2 weeks of your original purchase.

Black Friday got its name from generating huge profits for retailers, pulling them back “into the black.” Keep your own finances in the black by shopping wisely this holiday season. Whether you shop in store or online, you can use these strategies to score great prices on the gifts you want to buy. 

Friday is Veterans Day. In 1918, on the eleventh hour of the eleventh day of the eleventh month, the brutal conflicts of the First World War concluded by armistice. In the following year, President Wilson vowed to remember November 11th as Armistice Day, a day to be “be filled with solemn pride in the heroism of those who died in the country’s service.” Following World War II, Congress altered the occasion’s name to Veterans Day in 1954. Many Americans will never fully comprehend the sacrifices of our military and their families, but by offering respect and support, you can show your gratitude on Veterans Day and throughout the year.

Respond to the service of veterans by serving in your community. 

The men and women of the American military fight bravely to protect American freedom and human rights around the globe. You can volunteer locally for a variety of causes that meet the needs of veterans and the needs of the greater community.  

Fund veterans’ causes. 

The needs of American veterans are complex and varied. Healing the physical and emotional wounds of wartime service is a lengthy and costly process. You can personally donate to organizations that serve this purpose, or you can head up an event to raise resources for such a cause. The Wounded Warrior Project is one group reaching out to the veterans of recent service to help them adapt to life-changing physical injuries, cope with emotional and mental trauma, and create stable lives outside of the military. 

Spend time with a veteran. 

Your time may be the greatest gift you can offer. Military veterans give up years of their lives, forgoing safety and security. Take time to share this day with a veteran. Offer your thanks, and see where the conversation leads. Some veterans may not want to discuss the particulars of their service, but if they do have a story they wish to share, consider asking to record their words to permanently capture the story for future generations. 

November 11th remains a day dedicated to remembrance and recognition for American veterans. It doesn’t matter so much how you mark this occasion; it is most important that you remember. Remember those who gave their lives. Remember those who made it home. Remember the values and the cause they fought for. Just remember.    

The holiday season is almost here. It’s the time of year to share joy and love with all your family and friends. Then January comes, and you’re left holding the bill. Yikes! When did joy and love get so expensive? Read on for some smart shopping and saving strategies to rein in holiday spending. You’ll spend January cherishing holiday memories instead of counting your pennies.

Make a shopping list. Santa makes a list, and it seems to be working for him. Write down the names of everyone who will be receiving a gift from you. Come up with one or two gift ideas per person, and buy only those items. Affordable and thoughtful should be your decision making guidelines.

Beware of Black Friday. Have you ever walked into a store meaning to buy just one item, but you walk back out with a whole cartload? That’s exactly what the stores want you to do on the day after Thanksgiving. Try shopping in the weeks surrounding the big day. You can stay focused on your shopping list, and you won’t have to combat crazy crowds.

Do your homework before you shop. Get to know the store policies that can save you time and money. Take advantage of price matching offers to consolidate your shopping into one stop. You can ask the cashier how long you have to request a price adjustment, just in case the price drops next week. Check store websites for printable coupons and online promotional codes. Don’t forget to look in the clearance section; smart shoppers know that the perfect gift might just be last season’s merchandise.

Most importantly, keep in mind the reason for the season. Remember the deeper meaning behind holiday traditions by celebrating and sharing with family and friends. Spending time together to make memories is both inexpensive and priceless. This year, get ready to shed some of the holiday stress while keeping your heart (and your wallet) full.