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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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They say there's no use in crying over it, but for pumping mamas, spilled milk is a major upset.

When you're working so hard to make sure your baby has breast milk, you don't want to lose a drop, and Chrissy Teigen knows this all too well.

The mom of two posted a video to social media Wednesday showing her efforts to rescue breastmilk from a tabletop. She used various utensils and a syringe to try to get the milk back in the bottle.

"I spilled my breastmilk and this is how important it is in this house," she says while suctioning up milk with what appears to be a baster.

In a follow-up video Teigen continues to try to rescue the spilled milk.

"We're trying," she says as she suctions up a drop or two. "I got some."

Teigen is currently breastfeeding baby Miles, her son with husband John Legend, and has been very public about the fact that she pumps a lot as a working mom.

She's also been open about the fact that milk supply has always been an issue for her, not just with Miles but with Luna, too.

"I actually loved [pumping] because I'm a collector of things, and so when I found out I could pump I [did it] so much because I knew the more you pumped, the more milk you'd make," she told POPSUGAR back in March. "So I loved collecting my breast milk and seeing how much I could get, even if it was very, very little."

Like a lot of moms, Teigen did struggle emotionally when a pump session wouldn't get her the ounces she wanted.

"I wasn't producing a lot of milk, and it was frustrating. When you're frustrated, [it can also make you] not produce that much."

Research backs her up. Stress has been linked to lower milk production. Because of that, she's trying to stay positive this time around, but captioned her video post "EVERY DROP COUNTS IN THIS HOUSE" because, well, they do.


So many mothers can relate. Have you ever tried to save your breastmilk?

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In the moments after we give birth, we desperately want to hear our baby cry. In the middle of the night a few months later it's no longer exactly music to our ears, but those cries aren't just telling us that baby needs a night feeding: They're also giving us a hint at what our children may sound like as kindergarteners, and adults.

New research published in the journal Biology Letters suggests the pitch of a 4-month-old's cry predicts the pitch they'll use to ask for more cookies at age five and maybe even later on as adults.

The study saw 2 to 5-month olds recorded while crying. Five years later, the researchers hit record again and chatted with the now speaking children. Their findings, combined with previous work on the subject, suggest it's possible to figure out what a baby's voice will sound like later in life, and that the pitch of our adult voices may be traceable back to the time we spend in utero. Further studies are needed, but scientists are very interested in how factors before birth can impact decades later.

"In utero, you have a lot of different things that can alter and impact your life — not only as a baby, but also at an adult stage," one of the authors of the study, Nicolas Mathevon, told the New York Times.

The New York Times also spoke with Carolyn Hodges, an assistant professor of anthropology at Boston University who was not involved in the study. According to Hodges, while voice pitch may not seem like a big deal, it impacts how we perceive people in very real ways.

Voice pitch is a factor in how attractive we think people are, how trustworthy. But why we find certain pitches more or less appealing isn't known. "There aren't many studies that address these questions, so that makes this research especially intriguing," Hodges said, adding that it "suggests that individual differences in voice pitch may have their origins very, very early in development."

So the pitch of that midnight cry may have been determined months ago, and it may determine part of your child's future, too. There are still so many things we don't know, but as parents we do know one thing: Our babies cries (as much as we don't want to hear them all the time) really are something special.

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What is it about networking that's just kind of...awful? Typically inconvenient and often awkward, formal networking events rarely yield the results most women (and especially mamas) are looking for.

Whether you're reentering the workforce post-baby leave or simply looking to make a complicated career switch as a busy mom (or just struggling to juggle play dates and professional meetings), making the right connections is often a hurdle that's difficult to surmount. And more and more often, networking comes up short in providing what moms really need.

When time is truly at a premium—a session swapping business cards can be hard to prioritize. Shapr wants to change all that.

Designed with busy people in mind, Shapr is an app with an algorithm that uses tagged interests, location, and professional experience to match you with 10-15 inspiring professional connections a day. You swipe to indicate interest in networking with any of them, and if the interest is mutual, you're connected. (But don't worry, that's where the similarities to that dating app end.)

It makes it easier to connect with the right people.

From there, you can chat, video conference, and even meet in person with potential mentors, partners, and investors while growing your real-life network. No more wasting hours trying to pick someone's brain only to discover they don't have the right experience you need. And no more awkward, stilted small talk—even suggests a few preset icebreakers to help get the conversation rolling more quickly.

The best part? You could do virtually all your connecting from your couch post-bedtime.

It simplifies switching careers or industries.

Sysamone Phaphone is a real mom who was fed up with traditional networking options. When she quit her full-time job in healthcare to pursue founding a startup, she quickly realized that in-person networking events weren't only failing to connect her to the right people, they were also difficult for a single mom of two to even attend. "I was complaining to a friend that I was so tired and didn't know how I was going to keep doing it this way when she recommended the Shapr app," Phaphone says. "I tried it right there at dinner and started swiping. [Later], in my pajamas, I got my first connection."

From there, Phaphone was hooked. Her network suddenly exploded with developers, potential partners she could work with, and even people to hire for the roles she needed. She was also able to connect with and empower other women in tech. Now, checking in with Shapr connections is just part of her routine. "I look for connections after drop-off at school and on my commute into the city," she says. "Then after bedtime is done, I go on to check if there is anyone I've connected with."

It helps you find a mentor—no matter where they live.

Another common roadblock Shapr removes? Location. While you probably wouldn't fly to LA from New York for a networking event, the Shapr app lets you connect and chat with the person who best meets your needs—regardless of where they're based. Even better for parents, the "mom penalty" many women contend with when trying to get back into the workforce doesn't exist on Shapr—if you have the right experience, the connections will still come.

To connect, simply create your account, enter up to ten hashtags you want to follow (either industry related like #film or #tech or by person you're seeking, such as #developer or #uxui), preset what you're looking for (investors, collaborators, etc.), and indicate how you prefer to meet. To connect with more people at once, Shapr also has community groups within the app around interest topics that you can join. And even though the connection begins in the digital space, it often results in the in-person experiences mamas crave.

"I wish I could encourage more moms and dads to use it because it has been a lifesaver for me," Phaphone says. "It empowered my career and career choices, and it provides so much convenience. I can put my kids to bed and not go to an event, but still meet 20 people in a night."

For women looking to grow their business, position, or simply achieve a little self-growth, Shapr is changing the way we connect. This powerful new app could change everything, mama. Download it today to get started.

While we can't possibly protect our children from all of the hardships and challenges life brings, we can help them cope with these difficulties. We can help build their resilience starting at a very young age.

In its simplest form, resilience is the ability to bounce back. It is something we hope and strive to instill in our children—but at the same time, it can seem like an elusive and vague term.

According to educational research, resilience impacts social skills, a child's desire to try academically, autonomy, problem-solving skills, awareness of and reactions to injustice, and a person's sense of purpose. That's a pretty big impact.

The same research found that resilience is fostered by loving relationships, high expectations, and the chance to participate and contribute in a meaningful way. The good news is that these are all things you can work on at home—but how exactly?

Here are nine phrases Montessori teachers frequently use to help children develop this valuable quality.

1. “That was hard, but you did it!”

Directly acknowledging a child's efforts helps bring their awareness to the fact that they can do things, even when they're hard.

Whether it's swimming across the whole swimming pool, reading a book for the first time, or putting their shirt on all by themself, help your child pause and reflect on how they overcame the struggle and accomplished the goal, even if it wasn't easy.

Each time you do this, it solidifies their view as someone who can overcome obstacles and do hard things.

2. “I want you to try, but I’m right here if you get stuck.”

Your reaction to your child's struggles helps establish their identity and the way they see themselves. If you rush in too quickly to rescue them, it sends the message that you think they're not capable.

On the flip side, if they become too overwhelmed by a challenge and feel alone in the struggle, they may not want to try again in the future.

Make it clear that you expect them to try, and you think they can do it, but that if they're really stuck, you're right there to help. With this reassurance, they will be more able to focus on the task at hand and do their best work. If your little does wind up needing help, offer the least assistance possible to help them be successful.

For example, if they're trying to write their name and getting upset because it's too hard, help them remember which letter comes next instead of taking over and writing it for them.

3. “Who could you ask for help?”

Ask open-ended questions to help your child develop problem-solving skills. Each time they find a solution to a seemingly insurmountable problem on their own, they will gain greater confidence in their ability to overcome challenges.

If your child loses their teddy bear, ask where they could look before you find it for them. If their pencil breaks, ask what they could do to solve the problem instead of handing over a new one right away.

The more confidence they have in their own ability to solve problems, the more likely they are to keep their cool and recover quickly when something distressing happens.

4. “Do you remember when tying your shoes was so hard?”

Children learn new skills literally every day, but it's so easy for them to forget how far they've come. Help your child feel a sense of mastery by reminding them of all of the skills they have already figured out.

For instance, if you see them swinging happily on the swing set, remind them that just last year they were so frustrated because they didn't know how to pump their legs by themselves. Bringing attention to the progress your child has made emphasizes that their own efforts play a huge role in overcoming obstacles.

5. “I need your help.”

No matter how young your little is, find ways for them to help you, to contribute in a meaningful way. Whether it's folding laundry, cooking dinner, or putting together a new bookshelf, telling your child that you need their help sends the message that they are a valuable, capable member of the family.

This type of view of one's self goes a long way when real challenges emerge.

Showing your child that you have confidence in their ability to contribute builds confidence. Telling them you need their help is also an excellent way to model that it's okay to ask for help when you need it.

6. “Which part can I help with?”

If you see your child really struggling, ask how you can help. This gives the child such a different feeling than when an adult rushes in and rescues them, solving the problem for them.

Offering to help, and specifically letting the child decide how you can help, is a collaborative process. It lets them know that they are not in it alone, that it's okay to need help, and that even really big problems have solutions.

Showing your child that help is available when they need it will help them not freak out when problems arise.

7. “You look really upset, would you like help talking to your friend?”

Social situations offer many opportunities to practice resilience. Whether their best friend said something mean or they feel left out of a game, you can help your child process their feelings and see that there are options other than wallowing in sadness.

You don't need to solve the question of "who had it first," or elicit any apologies, just help your child tell their friend how they feel. Help to ask for what they need, whether it's a hug, a chance to play together later, or simply to express their emotions.

This type of help gives your child the tools they need to face and recover from tough social situations.

8. “That was hard for me, but I did it. I feel proud of myself.”

To children, it can seem like everything is so easy for us since so many of our struggles are silent, or happen when our children are sleeping or at school.

Try to share some of the (non-scary) challenges you face with your child and let them know what you did to adapt to the tough situation or cope with disappointment.

Try something like, "My friend had to cancel lunch today and I was so disappointed. It made me kind of sad but I'm going to see if she can have dinner with us instead."

Show that everyone, even mom and dad, faces setbacks and that there are things you can do about it to make the situation better.

9. “Do you need to take a break?”

If you watch your child carefully, you can often see when they're about to pass the limit of what they can handle. Step in and ask if they need a break.

Help fill their toolbox with things they can do when they feel overwhelmed. You might ask if they would like a drink of water, suggest they do 10 jumping jacks with you, take five deep breaths, or even go for a short walk outside.

Show your child that there are tools they can use to reset, apart from giving up or having a complete meltdown.

Resilience takes time, and so much patience, to build, but it is a quality that will serve your child well for their entire life.

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