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The holiday season tends to wreak havoc on our bank accounts. Between the gifts, the parties and the inevitable self-indulging, most people blow through their holiday budgets in no time and dip into other accounts. But it doesn't have to be that way, mama.

Here are 17 ways you can start working towards your financial goals now.

1. Rebuild (or start) your emergency fund

To rebuild your savings in the new year, set up automatic transfers. Typically, we advise clients to save a minimum of 10% of their gross monthly income. They set-up automatic transfers to move the money from their checking account to their savings account on the days they get paid. Just set it and forget it, you'll be amazed how quickly your savings grow!

2. Set up goal-based budgets

Another tool we use to help our clients get organize is goals-based budgeting. Make a list of the goals you hope to accomplish next year, then figure out how much you need to save to make them a reality. Planning a vacation for June that will cost you $1,000? Transfer $200 to a travel savings account each month and you will save that money in just five months. You can have a different account for each goal and make contributions on a weekly or monthly basis.

3. Start saving for the next holiday season

To avoid the usual holiday spending trap, start saving for next year now. Putting just $50 away each month will help you save $600 for next year. Can you afford $75 each month? That will get you to $900.

4. Track spending + cut wasteful costs

A new year is a great time to review your spending from the previous year. Take some time to look over bank statements and credit card bills to discover your problem areas (some credit card companies even provide year end summaries showing what you spent on the most). This can help you identify areas where you are overspending or wasting money. You should also review the subscription services you and your family utilize. Are you using them? If not, cancel them.

5. Clean out your closet + declutter your home

This is perfect time to clean out your closet and get rid of items you no longer need or want. You may find that there are clothes you forgot you owned, some of which have never been worn. You might be able to save yourself a shopping trip just by organizing your closet and seeing what you already own. Clean out junk drawers, hall closets and kitchen cabinets. Take inventory of everything you find and use it all before you go out shopping.

6. Sell unwanted gift cards, clothes, electronics, etc.

Did you get a gift card you'll never use? Are you holding on to clothes that you will never wear? Do yourself a favor and take advantage of sites like Raise, CardPool and GiftCardGranny that allow you to sell unused gift cards for cash. Once you've cleaned out your closet and decluttered your home, use thredUP, Poshmark, or Tradesy to sell clothes and shoes. For electronics try Gazelle, Nextworth, or Ebay. Amazon and Best Buy also have trade-in programs that allow you to exchange electronics for store credit.

7. Save up your spare change

This is probably the easiest thing you can do to save money this year. I keep a mason jar on my windowsill and empty the change from my wallet into it every couple weeks. Some people take this a step further and put dollar or five dollar bills into a jar every time they clean out their wallet. Either way it adds up over time, and once you've filled the jar you can use this money to treat yourself to something special.

8. Make a change

Are you eating too many meals out? Do you have a bad (and expensive) habit you've been meaning to kick? Make a point to tackle these problems in now. Not only will it help you save, but you will also make strides to improving your personal well-being too.

9. Do the side hustle

Sometimes cost cutting just isn't enough. Figure out a side hustle that can help you bring in more income. It doesn't have to be starting your own business, it can be something simple, like babysitting or dog waking. Have experience in hospitality? Waitron is revolutionizing staffing in the NYC area. You can become an employee and work as often (or as little) as you want.

10.  Start investing

Investing doesn't have to be scary! And you can start small! The easiest way to get invested is to make sure you are enrolled in your employers' retirement savings plan. Ready to take the next step? Try using one of these apps to help you get started, Stash, Robinhood or Acorns. For those a bit more comfortable with the stock market, you can buy shares of an ETF or enroll in Dividend Reinvestment Plans (DRIPs).

11.  Try a no spending challenge

Sometimes we get off track and need to refocus. When this happens, I recommend trying a no spending challenge. Whether it be for a month, a week or just a few days, it is beneficial to reset and find a way to recommit to your savings goals.

12.  Schedule cash-only days

Like the No Spending Challenge, cash only days give you the opportunity to be more mindful of your spending. Using cash instead of credit cards will help you identity areas where you're being wasteful. Typically, people have a harder time shelling out cash than they do swiping a card. You will notice that you are less likely to make impulse purchases and end up spending less when you shop.

13.  Automate payments

Monthly credit card payments should be automated to avoid missed payments and the resulting late fees. In addition, you can automate your cable, utility, cell phone and pretty much every other monthly bill to be automatically deducted from your bank account or charged to a credit card. If you are deducting from a bank account make sure you have enough funds to cover the payment and that you are enrolled in overdraft protection, just in case.

14.  Do credit score maintenance

Everyone should use CreditKarma to check their credit score. There are always opportunities to increase your score, and doing so will help you in the long run when you apply for things like personal loans, mortgages or additional cards. For those who have a high credit score and are responsible card users, there are many opportunities to earn rewards points. CreditCards.com is a great reference for finding cards that best fit your needs and help you build the rewards that will be most useful to you.

15.  Look for daily deals + comparison shop

Groupon, Living Social and other daily deals sites can help you save money on everything from household items to vacations. You should do research and shop around, but don't write off these sites. When shopping for more expensive items, make sure you shop around compare prices before making a purchase.

16. Negotiate a raise

This time of year, many companies are doing their annual performance reviews and giving out raises and promotions. If you anticipate that you will be receiving a raise or promotion you should do your research ahead of your annual review.

Find out what people in your position make at other firms using Glassdoor. Make sure you are earning what you're worth and don't be afraid to ask for it! Chances are if you are receiving a promotion they value you as an employee and will be open to paying to keep you.

17.  Learn accountability + mindfulness

The most important aspect of a financially fit lifestyle is creating accountability and mindfulness around your financial decisions. You should set goals with specific intentions and see them through. Creating a rewards system or doing a monthly review of you spending are two ways to create accountability and mindfulness.

Originally posted on Financial Gym.

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Toxic masculinity is having a cultural moment. Or rather, the idea that masculinity doesn't have to be toxic is having one.

For parents who are trying to raise kind boys who will grow into compassionate men, the American Psychological Association's recent assertion that "traditional masculinity ideology" is bad for boys' well-being is concerning because our kids are exposed to that ideology every day when they walk out of then house or turn on the TV or the iPad.

That's why a new viral ad campaign from Gillette is so inspiring—it proves society already recognizes the problems the APA pointed out, and change is possible.

We Believe: The Best Men Can Be | Gillette (Short Film) youtu.be

Gillette's new ad campaign references the "Me Too" movement as a narrator explains that "something finally changed, and there will be no going back."

If may seem like something as commercial as a marketing campaign for toiletries can't make a difference in changing the way society pressures influence kids, but it's been more than a decade since Dove first launched its Campaign for Real Beauty, and while the campaign isn't without criticism, it was successful in elevating some of the body-image pressure on girls but ushering in an era of body-positive, inclusive marketing.

Dove's campaign captured a mainstream audience at a time when the APA's "Guidelines for Psychological Practice with Girls and Women" were warning psychologists about how "unrealistic media images of girls and women" were negatively impacting the self-esteem of the next generation.

Similarly, the Gillette campaign addresses some of the issues the APA raises in its newly released "Guidelines for the Psychological Practice with Boys and Men."

According to the APA, "Traditional masculinity ideology has been shown to limit males' psychological development, constrain their behavior, result in gender role strain and gender role conflict and negatively influence mental health and physical health."

The report's authors define that ideology as "a particular constellation of standards that have held sway over large segments of the population, including: anti-femininity, achievement, eschewal of the appearance of weakness, and adventure, risk, and violence."

The APA worries that society is rewarding men who adhere to "sexist ideologies designed to maintain male power that also restrict men's ability to function adaptively."

That basically sounds like the recipe for Me Too, which is of course its own cultural movement.

Savvy marketers at Gillette may be trying to harness the power of that movement, but that's not entirely a bad thing. On its website, Gillette states that it created the campaign (called "The Best a Man Can Be," a play on the old Gillette tagline "The Best a Man Can Get") because it "acknowledge that brands, like ours, play a role in influencing culture."

Gillette's not wrong. We know that advertising has a huge impact on our kids. The average kid in America sees anywhere from 13,000 to 30,000 commercials on TV each year, according to the American Academy of Paediatrics, and that's not even counting YouTube ads, the posters at the bus stop and everything else.

That's why Gillette's take makes sense from a marketing perspective and a social one. "As a company that encourages men to be their best, we have a responsibility to make sure we are promoting positive, attainable, inclusive and healthy versions of what it means to be a man," the company states.

What does that mean?

It means taking a stance against homophobia, bullying and sexual harassment and that harmful, catch-all-phrase that gives too many young men a pass to engage in behavior that hurts others and themselves: "Boys will be boys."

Gillette states that "by holding each other accountable, eliminating excuses for bad behavior, and supporting a new generation working toward their personal 'best,' we can help create positive change that will matter for years to come."

Of course, it's not enough for razor marketers to do this. Boys need support from parents, teachers, coaches and peers to be resilient to the pressures of toxic masculinity.

When this happens, when boys are taught that strength doesn't mean overpowering others and that they can be successful while still being compassionate, the APA says we will "reduce the high rates of problems boys and men face and act out in their lives such as aggression, violence, substance abuse, and suicide."

This is a conversation worth having and 2019 is the year to do it.

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Teaching a young child good behavior seems like it should be easy and intuitive when, in reality, it can be a major challenge. When put to the test, it's not as easy as you might think to dole out effective discipline, especially if you have a strong-willed child.

As young children develop independence and learn more about themselves in relation to others and their environment, they can easily grow frustrated when they don't always know how to communicate their feelings or how to think and act rationally.

It's crucial that parents recognize these limitations and also set up rules to protect your child and those they encounter. These rules, including a parent's or caregiver's follow-up actions, allow your child to learn and develop a better understanding of what is (and what is not) appropriate behavior.

Here are a few key ways to correct negative behavior in an efficient way:

1. Use positive reinforcement.

Whenever possible, look to deliver specific and positive praise when a child engages in good behavior or if you catch them in an act of kindness. Always focus on the positive things they are doing so that they are more apt to recreate those behaviors. This will help them start to learn the difference between good and poor behavior.

2. Be simple and direct.

Though this seems like a no-brainer, focus your child using constructive feedback versus what not to do or where they went wrong. Give reasons and explanations for rules, as best as you can for their age group.

For example, if you're teaching them to be gentle with your pet, demonstrate the correct motions and tell your child, "We're gentle when we pet the cat like this so that we don't hurt them," versus, "Don't pull on her tail!"

3. Re-think the "time out."

Many classrooms are starting to have cozy nooks where children are encouraged to have alone time when they may feel out of control. In lieu of punishment, sending a child to a "feel-good" area removes them from a situation that's causing distress. This provides much-needed comfort and allows for the problem-solving process to start on its own.

4. Use 'no' sparingly.

When a word is repeated over and over, it begins to lose meaning. There are better ways to discipline your child than saying "no." Think about replaying the message in a different way to increase the chances of your child taking note. Rather than shouting, "No, stop that!" when your toddler is flinging food at dinnertime, it's more productive to use encouraging words that prompt better behavior, such as, "Food is for eating, what are we supposed to do when we're sitting at the dinner table?" This encourages them to consider their behavior.

The above methods help create teachable moments by providing opportunities for development while making sure the child feels safe and cared for. It is important to mirror these discipline techniques at home and communicate often with your child care providers so that you're always on the same page.

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To the mamas awake in the middle of the night,

If you are one of the many moms with a little darling who doesn't sleep through the night, I feel your pain. I really do.

Having been blessed with two wonderful sleepers (aka my first and second babies), my third baby has been a shock to my system. He hasn't slept through the night since he was born and he's now 16 months. I do everything "right." I put him down sleepy but awake so he can settle himself to sleep. I keep the room dark and quiet.

But one simple fact remains: When my son wakes up in the night, he wants me. And he'll scream the house down if he doesn't get me.

Last night my 1-year-old woke at 3:30 am. He was stirring a bit at first, then started to really let it rip, so I got him up out of his crib and brought him into bed with me. We cuddled for a while. Then suddenly, he wanted to get off the bed and I said no. Then he started to scream and throw himself around on the bed before eventually being sick everywhere.

It was now 4:30 am. I dutifully changed the sheets, changed my son, changed myself, and then we climbed back into bed, the smell of vomit still lingering.

I tried to put him back in his crib around 5 am but he woke right up. I brought him back into bed with me, but quickly realized this wasn't what he wanted either. He was thrashing around again, trying to figure out a way off of the bed.

Finally, close to 6 am he decided he wanted to go to sleep. After about 10 minutes of watching him sleep, I felt brave enough to try to put him back in his room. I gently lifted him up, placed him in his crib and quietly crept back into my bed.

This left me with just enough time to fall back into a deep sleep, which meant I felt exhausted when my alarm went off just after 7 am.

Sadly, last night wasn't a one-off. This is a fairly frequent occurrence for me (although dealing with vomit is luckily quite rare!). Which means that when I say I understand what it's like to have a baby who doesn't sleep, I really mean it.

So here's what I want you to know, mama.

If you are awake in the night because your baby needs you then you are not alone. Despite what you might read, it's common for babies to wake up through the night. So if you're sitting in bed feeling like you're the only mother in the world awake, trust me, you're far from it.

There are mamas like us all over the world. Sitting there in the dark. Cuddling babies or soothing them to sleep again. Some, like me, might be changing sheets or abandoning any hope of getting sleep that night at all. Others might be up and down like a yo-yo every few hours. The rest might just be up once and then will be able to go back to sleep.

There will, however, also be mamas who are sound asleep. Mamas who have older children who no longer wake in the night. And they would want you to know that it will be okay. It won't be forever. One day, you'll realize that your baby no longer needs or wants you in the night.

And while you'll be so glad for your sleep you'll probably also be a little sad that there are no more night time cuddles.

It's hard to cope with a baby who doesn't sleep well at night. Really hard sometimes. You may feel like you can't deal with it anymore or you may be wishing that this phase would just stop already so you can get some rest.

Exhaustion often means that you struggle to get through the day. It can mean that you find it hard to drag yourself out of bed. Or if you're anything like me, you might be irritable and snap at the people you love. Or maybe it means relying on caffeine, sugar and Netflix to get you and your kiddos through the day.

But here's the amazing thing about mothers—no matter what has gone down during the night, we get up as usual. We go about our day just like everyone else. We care for and love our children, without giving them a hard time for disrupting our sleep. We don't moan, we don't complain. We just get on with it.

And when night comes, we go to bed knowing that there's every chance we'll be awake in the middle of the night again...

We get up without fail when our babies need us and we do what we need to do for them. Because we are the nighttime warriors. We are mamas.

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No one decides to be a stay-at-home mom for the paycheck—but if we were to earn one, it would put us in league with some CEOs. Although it doesn't do much for the bank account, a survey that calculated what the average salary would be for a stay-at-home mom is mighty validating. (Remember this next time anyone asks what you do all day.)

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