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Last week, less than three years into her first post-college full-time job, my oldest child bought a house.


There was no trust fund, lavish gifts, lottery win, or other windfall. She did this on her own, with an average salary, through good money management. Over the past few months, several people have asked me for my secret: How did you teach these skills?

My secret: I didn’t, at least not in a conscious way. Since I kept getting the question, I really gave it some thought. Over the past few weeks, I have come to realize that maybe I did have some influence.

I believe there are some things that we can share with our children about money management, even (or maybe especially) if our own financial history is spotty. However, there are also certain traits that are innate that make saving money much easier.

Some people are just better at delayed gratification. They are willing to squirrel away money, knowing that they will be able to make larger, more worthwhile purchases down the road. Others struggle with this idea, and want things now. They have the money and a list of affordable things they want, so they buy them all.

Likewise, some are able to resist peer pressure, or in adult terms, resist the temptation to “Keep up with the Joneses.” Some people have no problem saying no when their friends urge them to go out for dinner and drinks or on lavish trips to far-flung islands, while others will run up massive credit card bills without realizing the damage until it’s too late.

What to cover before your kids leave home

As parents, we can help our children navigate the financial waters by teaching them about money before they leave home. Ideally, this is done in incremental steps.

  • When they’re young, teach them to count change and allow them to make small purchases.
  • When they get their first bank account, teach them how to deposit and withdraw funds and how to write a check.
  • Teach them about interest rates and investing.
  • Warn them of the dangers of opening a credit card account (if you don’t pay or pay late, it costs you more) and of borrowing more than you can afford to repay.

However, many lessons are learned in more subtle ways. In our society, money is a taboo topic. People don’t talk about what they earn or owe. Many parents don’t share their financial situation with their children. However, even if the dollar figures are not discussed, our values and feelings about money are passed on to them; this influences their own money habits.

How to say, “No,” when shopping with young kids.

Taking children into a store is a challenge. They want everything they see. When my kids were small and we went shopping, I said “no” in a variety of ways;

  • The big ticket items I flat out told them were too expensive.
  • I would point out why it wasn’t worth the cost. I compared that cost to a number of other items (“You can buy five books for the price of that one video game,” for example).
  • I pointed out that the item would likely go on sale.
  • Sometimes out of desperation, I simply told them we couldn’t afford it now and to add it to their wish list.

In truth, sometimes I could have made those purchases and saved myself some aggravation, but I didn’t want them to expect something on every shopping trip or to equate possessions with happiness. In many cases, I believed that the item wasn’t worth the cost, that the money would be better spent elsewhere.

Occasionally, I said yes. Items with a long shelf life, especially those with educational value, would sometimes be approved, but it was made clear that it was a special treat. Alternatively, the “yes” was to a stop on the way home for a treat or to check out new books at the local library.

Guide your kids when they’re spending their own money.

When they had their own money to spend, like birthday gifts in the form of cash or gift cards, I asked a lot of leading questions about the item selected to get them thinking about the value.

  • How long will it be fun?
  • It is something that gets used up?
  • Is it something for solitary play or to use while playing with friends? 

I had them do the math (reminding them of sales tax) to make sure they had enough. Then, I let them make the call. If it was a poor choice, it was a lesson learned.

As kids grow, so do their expenses.

When they got part time jobs, my kids were expected to save a certain amount for college, and pay for some expenses on their own. If they asked me, “Can I get this?” in some cases, my answer was, “If you are going to pay for it.”

This resulted in many items being put back on the shelf. Here, too, I sometimes intervened with my questions. If an item was pricey and in my opinion, of dubious worth, I would ask how many hours they would have to work to pay for it, or suggest that they wait for a day or so and see if they still wanted it (this, of course, is good advice for us all).

Teens’ interests frequently require specific, often expensive equipment. The places they want to go are often more expensive and as teens, they usually want to go out a lot. Here, too, I set limits. They could go out with friends, but they were going to pay for things on their own. In some circumstances, we would cover some of the costs, but that would be the exception not the rule. If they would be working over a meal period, they could bring food from home or go out and pay for it themselves.

School field trips would be covered, more expensive, extra-curricular trips over weekends would require at least some contribution on their part (group fund raising was generally offered). This was a good way to determine their level of interest. If they really didn’t want to go, they wouldn’t put in the effort.

Looking back, I see that lessons were learned, even though it was not a conscious effort on my part. My children are usually thoughtful in their expenditures and have no desire to rack up credit card debt. They understand the importance of having savings and manage their money well enough to cover their personal expenses. They pay their bills on time or even early. I don’t get calls from college requesting funds; they know what they are expected to pay for on their own. I guess maybe I have done something right.

Who said motherhood doesn't come with a manual?

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We're a busy people, this family of mine. And we like it that way. But we're still always looking for simple ways to reconnect.

And most of the time, those moments happen around the dinner table.

I'm not embarrassed to admit we've become homebodies—we vastly prefer nights in watching movies and meals at home to the stress and cost of evenings out. While my husband and I still try to schedule a few legit date nights out now and then, by the end of our busy days, we like relaxing at the table as a family, then putting our daughter to bed to spend time together catching up on our shows or watching a movie. Most of our dates happen on the couch, and we're okay with that.

Dinner itself is a tradition I grew up valuing. As one of five kids, it seemed to be the only time our family was really all together, catching up on our days, making plans, or even just being physically present together. (This reminds me so much of the table we would gather around every night!)

Now that I'm my family's connector, I make sure to prioritize that time (even if most nights it's all I can do to get my wiggly toddler to sit still long enough to get a few bites of her dinner).

Whether we're relishing a home-cooked meal or simply noshing some pizza (because mama is tired, folks), nothing can replace the feeling of reconnecting—or leaving the table with satisfied bellies.

Because something strange happens when you have kids. Suddenly, time seems to enter a warp. One day (usually the days when nap time is short and the tantrums are long), time will drag on endlessly, making each minute feel like an hour until my husband gets home and can help with the kids. But most of the time, when I stop and really think about where we are in this busy season of life, I feel like time is flying by.

I look at my daughter, and I feel like someone has snuck in during the night and replaced her with this big-little girl because I swear she was just born a few months ago. I hug my son, unsure where the time has possibly gone because didn't I just take that positive pregnancy test yesterday? And I marvel at this rapidly growing family my husband and I have built because, really, wasn't he just asking me to be his girlfriend a year or two ago? (Try 10, self. That was 10 years ago.)

As fast as time races by, I don't have any answers for how to slow it down. If anything, the pendulum seems to swing quicker and quicker as our days fill with new activities. With jobs and responsibilities, with more and more activities and play dates for the kids.

But at the dinner table, I feel like time slows down enough for me to pause and look at this little family. I imagine us two, five, 10 years down the road (gathering around a table just like one of these). More little (and then not so little) faces peering at me over the table, asking for another piece of bread or more milk as my husband makes them giggle with a silly face or story.

I imagine them as teenagers, telling me about an upcoming test or asking if they can borrow the car after dinner. I even see them as adults, coming back to visit with their own kids for the occasional family dinner. (Hey, a mom can dream, right?)


No matter where life takes us—or how quickly—I'm grateful for this time and this place where we can always come back together.

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It happens to the best of us. Even to the GOAT. When you have a baby it's so easy for your home to just fill up with brightly colored plastic. Just ask Serena Williams.

Her 1-year-old daughter Alexis Olympia Ohanian Jr.'s things seem to be taking over the house, as Williams shared with her Instagram followers.


"Sometimes I have to throw my hands up in the air. #thismama used to have a living room. Now I just have a play room. When did that happen?" she captioned the relatable pic.

We've all been there, Serena. As Motherly's minimalism expert, Juli Williams, previously wrote, when so many kind family and friends gift your child with playthings, it's easy to forget where the toys taking over the living room even came from.

"By the time my daughter was 8 months old she had so many toys that we had filled two huge chests with them," she explains. "Plus the activity gym, bouncy seat, swing and walker that were sitting in our living room. Oh, and don't forget the bag of bath toys hanging to dry in our bathroom tub."

The clutter began to get to Williams, who was tired of picking up toys her daughter wasn't even playing with. When she got rid of almost all of her toys, she found herself "more at peace, with less to clean" and she noticed her daughter was playing more with the toys she did have.

Williams isn't the only one to notice this: Scientists have, too.

As Motherly reported last year, researchers at the University of Toledo found that toddlers play longer and more happily when there are fewer toys around. Their study involved setting toddlers up in a room with either four or 16 toys. It turned out, the kids with just four toys engaged "in longer periods of play with a single toy, allowing better focus to explore and play more creatively."

Bottom line: You don't have to sacrifice your living room (and your sanity) to bright bits of plastic when you become a mama. If you're overwhelmed by the number of toys in your space, your baby probably is, too.

If you are feeling the same way Serena is, consider Team Motherly's tips for keeping toys from taking over:

1. If you're moving soon, don't take all those toys 

When Motherly's co-founder, Elizabeth Tenety, packed up her playroom for an interstate move, she didn't bring 75% of the toys to her new house. She had the same problem as Serena, and didn't want to bring it with her.

"Our playroom was often unusable because—you guessed it!—the toys were E-V-E-R-Y-W-H-E-R-E and all over the floor, all the time. (No room to play.)," Tenety previously wrote.

Before the big move, she donated a ton of toys and found it has been "absolutely incredible to see the impact of living with radically less—on me, our home, and especially our kids."

2. Consider packing even if you're not moving 

Take a look at your living room or play room (wherever the toys replicate in your home) and consider what you would bring with you if you were moving (even if you're absolutely not).

Pack up anything you wouldn't take, and move it to Goodwill or another charity.

3. Prioritize experiences over material goods 

As our children grow, they're going to remember the memories we make together—not the toys cluttering up the house. If you can let grandparents and aunties in on this secret, you can keep your living room from looking like Serena's.

When Tenety decluttered her kids' toy stash, she asked her family not to gift the kids with any more toys, suggesting a weekend at grandpa's house, some art supplies or swimming lessons would be more meaningful.

Minimalism expert Juli Williams did the same. "For my daughter's second Christmas, we asked our family to gift us a registration to a toddler class instead of toys—and my daughter loved it," she previously wrote. "I took photos at the class and sent them to our family every week to show them the exciting new things she was learning—and so they truly understood that it was a gift that kept on giving."

4. Consider a no-toy Christmas this year

For a lot of families, a pile of toys under the Christmas tree is a holiday tradition, but more and more parents (including Mila Kunis and Ashton Kutcher) are opting for no-toy Christmas celebrations.

Motherly's own Rachel Gorton has also opted for this minimalist tradition. "Christmas in our household represents so much more than toys under the tree. I don't want our children to be distracted from the real reason we celebrate this holiday by a shiny new toy they don't need," she previously wrote.

"I want them to learn about giving without the concept being tied only to possessions in their mind. I want them to understand that giving doesn't always come in the form of an object."

Like Kunis and Kutcher, (and Tenety and Williams) Gorton emphasizes meaningful gifts and gifts of experience in her family's holiday rituals. Serena might want to hop on this trend, too.

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As the royal tour of Australia continues, it seems the Duchess of Sussex is feeling some jet lag—but it's not necessarily from traveling.

During a visit to Bondi Beach to participate in an "anti-bad vibe circle" with members of the OneWave surf community mental health support group, Markle talked with circle participant Charlotte Connell who is also pregnant, about 23 weeks according to news reports.

Cornell says Markle told her that her own pregnancy has been making her tired, and keeping her up at odd hours. Mamas around the world are nodding in agreement.

"Meghan told me that pregnancy was like having jet lag," Sky News quotes Cornell. "She said she was up at 4:30 a.m. this morning doing yoga in her room as she couldn't sleep."

It's not surprising that (on a two-week tour with a mind-boggling 76 planned engagements) Markle is feeling a bit tired. Fatigue is so common in pregnancy, we hope someone on the tour is making sure Markle can sneak in a nap now and then (seriously, research suggests pregnant women who regularly nap are less likely to have a baby with a low birth weight).

As for being up at 4:30 in the morning doing yoga? Well, if you can't sleep (and so often pregnant mamas-to-be struggle with this) self-care though yoga may be the next best thing.

It's a great way to relax, and a recently published study found working out during pregnancy can cut your labor time down significantly.

Meghan may have pregnancy-induced jet lag, but it sounds like she knows how to take care of herself, something all pregnant mamas should remember to do.

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Although my youngest is approaching a year, I'm still inspired by cozy, but minimal nurseries—especially those that can grow into toddlerhood and beyond. One that has always caught my eye was my sweet friend Lauren's little sweet space for her darling little boy, Graham. Graham's nursery is clean, modern and has just the right amount of warmth added to it.

I asked Lauren what inspired her with this little space, what some of her favorite items were and what feeling she was trying to evoke with the space. Here's what she had to say...

1. What inspired your nursery?

Lauren: I wanted to create a modern, neutral and warm space. His room honestly doesn't stray too far from the rest of our house, which is where I pulled the colors from when I set out searching for a rug with burnt orange, gray and green in it.

I also knew I wanted to include some house plants—again like the rest of our home!—and a few cacti. But I was careful not to get too theme-y, as I knew I would regret it. Rather, I stuck to a color scheme to go with the white walls, natural wood and modern furniture I had in mind.

2. What was the first item you bought for the nursery?

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The first item I purchased was a bassinet basket from Design Dua, which actually lives in our room now, but is probably my favorite piece for baby. I also already had a large sheepskin rug given to me as a birthday gift and knew I wanted to save it for the baby's room to do layered rugs since it is a small cozy space.

3. What is the most meaningful piece included in the room?

The most meaningful items in his nursery are the crocheted play blanket made by my mom. It was technically for my oldest, June, but perfect for all those early baby days spent playing on the floor around the house. And the heirloom Willaby blanket, as they are such a beautiful keepsake. I guess I really like blankets!

4. How does the space make you feel when you spend time there?

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Relaxed and cozy.

5. What "must have" items did you decide to go without?

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With him being our second, we already had all the necessary baby gear, so my nesting was mostly all about creating his modern little nursery. I prefer not to have a crowded home with baby stuff everywhere, so we chose not to invest in a pack 'n' play, baby swing, baby activity center, double stroller or even a true changing table—or any other baby furniture really, besides the affordable IKEA crib! Rather, I got pieces I can arrange around the house in the future.

6. What are the most-used elements of the nursery?

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The rocking chair and the sheepskin rug. I discovered with my daughter you spend a lot of time playing on the floor, so a fluffy rug was a must—as is a comfortable and stylish rocking chair for rocking those babes to sleep daily for the next couple years. And, currently, his handmade baby gym is a hit daily!

Although I was inspired to create a baby gym that matched, I was mostly motivated by wanting one that was foldable to set out the way in his small room when not in use. We made one by combining a couple Pinterest DIYs, using leftover wood from our garage and a few leftover pieces from his DIY mobile.

7. What advice would you give any pregnant mamas planning a nursery?

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It's easy to impulse buy or get overwhelmed with giant lists of must-have baby items, so it helps to plan it out. Or, at least, that is what I enjoy doing as I tend to be an online shopper. That way you can take advantage of sales or coupon codes after you've thought about what will work well in your space. Also, pick items that can grow with your baby or have multiple uses.

Thank you so much to Lauren for giving us a peek inside her adorable nursery! Graham sure is one lucky guy.

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