Friday, December 14, 2012

Advent: The Second Week, Who’s Santa?




There are so many Christmas traditions in families and in our world.  As we are approach the end of the 2nd week of advent one tradition has been in my thoughts, Santa Claus. There has been two moments of awe the past couple weeks of the mystery and magic of Santa. You probably don’t remember the first time you realized who Santa was, but you can probably remember realizing who Santa really was. With a 13 year old and a 2 year old in our house I have experienced both realizations this year.

One morning this December I tried to encourage my 2 year old to do better going potty on the toilet by offering that maybe Santa would bring her some new underwear for Christmas .  She looked at me and said, “Who’s Santa?” I imagine she was too young last year to remember. This made me excited for the years of fun Santa would bring. The nights of quietly laying in bed hoping to hear Santa’s bell. The hurry to get to bed early on Christmas Eve only to find you are not able to fall asleep. Once you are finally asleep waking multiply times throughout the night waiting for it to be a “reasonable” hour to wake Mom and Dad. After two Christmas celebrations with Santa visiting, I think she now recognizes Santa Claus.

Last week I was driving our 13 year old to school and decided I to ask if he wanted to sit on Santa’s lap at the family reunion this year. At the reunion parents provide gifts to Santa and he calls them all up by name. Last year he was one of the oldest to still go up, though he seemed fine with it I didn’t want to embarrass him. He responded, “Not really.” I could see a little disappointment in his eyes and felt it in my heart. Even though it hadn’t been discussed officially I knew he didn’t believe in Santa.  I remember when I stopped believing, how bad I wanted my logical thoughts to go away and telling friends Santa is a big part of the spirit of Christmas and I still believed in that.  So I went on to talk to him about how St. Nicholas was a real person and it is his spirit of giving that has formed the tradition of Santa Claus and been handed down through generations for parents to keep alive.  He looked at me through eyes of a child saying are you telling me there is no Santa Claus and eyes of a teenager saying I know mom! I had to hold back the tears. I know he knew the truth. He was the same kid who has picked up the slack for our less than adequate tooth fairy making the on time delivery of money to his younger brother.  I think he felt like I did, now that I said it out loud he knew I knew and that made it real. I told him I loved him, dropped him at school, and shed a few tears on the way home.

I now have one child who is learning about the the jolly fellow in a red suit that flies a sleigh with reindeer and one who the belief is beyond logical thoughts. I did later inform him that Santa still brings presents to all in the family even if they are too old to sit on Santa’s lap.

“Though I’ve grown old, the bell still rings for me as it does for all who truly believe.” The Polar Express

Santa is magical for all ages in different ways. When we left the reunion last Sunday there was a gift for our 13 year old in the van with a tag reading From: Santa.  When the other kids saw it he said, “Hey Mom, Santa must have found my gift in his slay when he left”. He is now just part of the magic, not to mention he gets to sample the stash of Christmas candy :).

A couple of fun stories of Christmas symbols:

Wednesday, December 12, 2012

Household Budget: Step 1 Learn Your Spending Habits







There is some leg work to be done before you can develop a good budget. It may seem like a lot of work, but it will be well worth it. If you take the time at the start of the year then the monthly work is minimal. Here is what you can do to get ready for your 2013 budget. Regardless of where you are at in your financial planning or if you continue on my process this first step will help you.




STEP 1:  LEARN YOUR SPENDING HABITS
Evaluate the past years spending habits. How much did you spend each month? What categories do you spend in? Look back at your checkbook, bank statements and bills to gather this information. If you don’t have good records make an educated estimate. Remember be honest about your spending. Log everything you spend throughout the year. Trying to make spending match income even if it didn’t, doesn’t help you plan for the next year. Until I logged everything, I couldn’t understand how we spent so much each month.  It’s amazing how quickly the little things add up.

Below is a sample of how I log our spending. Group spending into categories and how often it is paid (for irregular intervals just say per occurrence). I use 10 main categories with sub-categories in each. The main 10 is what I use in my checkbook spreadsheet. You can make your own categories to fit your family spending or just adjust mine. You don’t have to do any monthly averaging right now. Step one is just gathering information.  

Note: The values below are fictional so don’t use them for any of your estimates.  



SAMPLE MONTHLY SPENDING LOG:

Januaray:                  
Main Category          Sub-Category         Amount/Frequency
Charitable Gifts          Church                        $50/week
Others                      $25/month

Retirement                 Extra Mortgage           $50/month
Other Investments      $50/month

Savings                        Regular Savings          $25/wk
Emergency Fund         $25/wk (if you are establishing one, we’ll talk more about this later)

Housing                       Mortgage                     $1200/month
                                    Maintenance/
                                    Improvements             $100/occurrence

Utilities/Bills               Electricity                    $100/mon
Water                          $40/month
Propane/Gas                $500/every 6 months
Phone                          $40/month
Cell Phone                   $90/month
Trash                           $200/year
Internet                       $60/month
Newspaper                  $100/yr
Cable                           $50/month

Groceries                     Food(Groceries)          $800/month
(I include almost everything I buy in Wal-Mart in here.)
School Lunch              $100

Transportation             Gas                              $75/wk
Maint. & Repairs         $50/occurrence
Car Insurance              $200/6months
Plates & Taxes            $300/year
Car Loan                     $300/month

Medical/Health           Doctor                         $50/occurrence
Dentist                        $50/occurrence
Orthodontist               $100/month
Life Insurance             $200/month

Miscellaneous Needs Property Taxes            $100/year
School Reg & Fees     $500/occurrence

Miscellaneous Extras Christmas                    $2000/occurrence
Other Gifts                  $30/occurrence (Birthday etc...)
Kids Activities            $70/occurrence (Sports, lessons, Camps)
Travel                          $200/occurrence
Clothes                        $100/occurrence
Personal Care              $50/month
Misc                            $20/wk

I think this will keep you busy for awhile. Hopefully by the time you are done I will figure out how to upload my worksheets!  If you beat me feel free to email me at mom2five@scratchpaperessays.com and I can send them to you that way. Also don’t hesitate to email if you have any questions. I hate to ruin any momentum.

So get your old checkbook ledger, bills and bank statements, and tackle one month a day, and in January you’ll be ready to go.  Good Luck!

Wednesday, December 5, 2012

Advent: The First Week, Deck the Halls!




 We normally start decorating later than others for Christmas but as the First Sunday of advent came and went I was feeling a little like a scrooge.   The only decoration so far was our advent wreath, 3 mornings had been missed on the advent calendar and our new Elf on the shelf was still sitting in the box with my 6 year old asking, ”Do you really think if we open him he will fly out of the box?”  

Please don’t think we do not embrace the magic and mystery of Christmas in our home. The decorations, music, the smell of goodies are all part of our Christmas celebration.  Somehow time just got away from me. I will blame my tardy start to decorating on the 70 degree weather outside.  A little cold weather, especially snow, always puts me in the Christmas mood. Instead the spring like weather has made me want to clean my house first. Yesterday I decided precious time was being wasted.  Snow or no snow, messy house or not, there was only 20 days left to enjoy the magic of preparing for Christmas.

When the kids arrived home from school yesterday they were greeted by the smell of a Christmas candle and Christmas music.  “No electronics or TV tonight we are getting out the Christmas decorations!,” I said. “You got the house clean!?” my six year old said excitedly. I kept telling her over the weekend our house was too messy to decorate. To my sadness not everyone responded with cheers like she did, maybe we had a house full of scrooges this year. “It takes so long to decorate,” my oldest daughter said, “and you never let us help that much because things are breakable”. Maybe I should’ve turned on the AC so it felt like it was cold outside to get them all in the mood?  Despite the lack of enthusiasm I pushed forward, while making a mental note to not be so controlling and let the kids help more, it didn’t have to be perfect.

With the door wide open to the fresh air and dusting furniture as we went the boxes of decorations were carefully and sometimes not so carefully placed around the house. Even though at the end of the evening the snow village Grinch no longer had presents in his hand and Cindy Lou Who could not stand anymore everything looked great.  We turned out all the lights, sat on the couch and took it all in. I am content to say at that point we ALL were in the Christmas Spirit.

Below are some pictures of our decorations, with more still to come. Our tree goes up later in the month and we a few rooms are not complete. As a whole it’s beginning to look a lot like Christmas at our home and as a bonus it was below freezing when I got up this morning!

This is my favorite Nativity scene.
The broken :) Grinch Snow Village.


My son added a Santa hat  to the squirrel made by my husbands grandmother.
Snow Village
  
Non Breakable Decorations! Missing pieces already, only the 3 Wise Men they haven't arrived yet anyway.
Christmas Dishes
Handmade Decorations.

The morning Sunrise, God's addition to our decoration!


At Church this week:

Advent Decorations: Advent begins the liturgical year in the church. The church is decorated in Purple. This is a time to prepare for the birthday of Jesus. At our church there are candles in a circle to represent the advent wreath. The number of candles lit at the beginning of mass each week will correspond to the week in advent we are celebrating.

The Giving Tree:  Like many churches there is a tree with tags for members of the community that could use a little help at Christmas time. Take a tag and gift your neighbor for Christmas. My children really enjoy this.  We try to adopt a family about our size and the kids help select gifts and wrap them.  There are many ways to help others during the Advent season, start by checking at your church for opportunities.

Communal Penance Service: This may seem like a downer to the season, but it is an important part of the season, that we unfortunately do not always make time for. Jesus’ purpose in coming to live among us was to in the end die for our sins.  So to fully enjoy the Christmas Spirit, we need to ask for forgiveness for our sins however big or small, and start the Liturgical year renewed in spirit.

St. Nicholas Feast Day: December 6 is the feast of St. Nicholas (patron saint of children). St. Nicholas was a real person who lived in the fourth century. He opened his home to homeless and secretly left gifts of food and money for the people in the night. Sounds a lot like someone who visits on Christmas Eve doesn’t it? One church custom on his feast day is for families to leave their shoes out the night before and in the morning they are filled with treats.  http://www.stnicholascenter.org/pages/patron-saint/

Immaculate Conception: December 8 is when the Catholic Church celebrates the immaculate conception of Mary. Our Church celebrates mass on this day.  http://www.catholic.com/tracts/immaculate-conception-and-assumption