What Your Kids Really Need To Know To Survive As Adults!

The following is a guest post written by Gregg Murset, creator of BusyKid


What Your Kids Really Need To Know To Survive As Adults!

Let’s take a journey back to your high school or college days. Remember when you’d be low on cash to have fun with your friends or you’d be taking another loan out to pay for the upcoming semester? As students you probably never really sweat it since you’d either hit up your parents or lean on a credit card. You’d also probably flash forward in your mind to how life will be so much better once you land that full-time position and make serious money.

Oh those were the days, right?  The only problem then (and now) was that too many high school and college students are really living day-to-day, beyond their means and amounting debt that will take years to overcome, if it could be overcome at all.

Right now you might be saying … “Heck, everyone has the same problem, so what’s the big deal”. Well it’s a big deal because the extra financial burden has many young Americans stressed and less productive. Matter of fact, according to a report from Bank of America and Merrill Lynch Workplace Benefits, 67% of millennials say financial stress overtakes their ability to focus and be productive at work and school. This is more than twice as likely than baby boomers — 32% of whom worry about the same thing.

“Traditionally college graduation marks the end of one journey and the beginning of another,” says BusyKid CEO & Certified Financial Planner Gregg Murset. “However these days, the start of the journey into the “real world” comes with a lot more financial worries. These young adults have been set up to fail thanks to a lack of financial education, direct marketing by credit card companies and student loans.”

Upon graduation, many young adults are hit with a wall of personal finance dilemmas. Some will need to pay rent, find a job, pay off student debt (the average student loan debt at graduation in 2016 was $37,132), and most of them will have no idea where to start because they’ve never been taught.

So parents, here are some things you can do or teach your kids before they graduate. Sure, they will still make mistakes or bad choices, but heck, no one is perfect. You can teach someone to ride a bike but they still might crash, right? Use the suggestions below this as your guide and there’s an excellent chance your children won’t be living with you when he/she turn 30.

Don’t Count On Your High School … Right now in the US the majority of high school graduates never take a single class on personal finance or economics. Without the basic understanding of financial terms and practices, your children will be totally unprepared. If your school doesn’t teach a minimum of one year on basic finance, it’s up to you to give your kids the tools they will need. Thank goodness for the Internet (and BusyKid)!

Modern Money … Yes, dollars and cents are still used, but not as much as you think. It’s estimated that less than 10% of the currency in the world is actually paper or coins. This means your children need to know how to manage “invisible money”, including paying bills and ensuring bank accounts don’t hit zero. Stop writing checks and use online services while your kids are young enough to do it with you and can learn by example.

Saving Money … Seems simple but 39% of Americans admit to having zero in a savings account. 57% say they have less than $1000 in a savings account. Teach your children to take a portion of any money they get (birthday, holiday, babysitting, mowing grass, etc.) and place it in a savings account. As a rule, 50% should go to savings. (40% to spend and 10% to share.)

Investing … If your children ever want to retire, they will need to invest money somewhere along the way. Lucky for them there are plenty of resources available to teach them how, including some fantasy investing games which would allow them the chance to invest pretend money. With BusyKid they can invest a small portion of their weekly allowance. Practice makes perfect … or at least better educated.

Credit Cards … As soon as your children hit a certain age, they will be bombarded with marketing materials from credit card companies. So be ready! If you want your children to have a card, make sure you sign up for spending notifications or that it’s only used for emergencies. Make sure to pick a card with a low annual percentage rate and it is paid off each month. This can be dangerous territory, so if there’s one place to be overprotective as a parent, it’s here.

Student Loans … Designed to help students get to college with the promise of paying them back later, student loans can serve a great purpose. The problem has become, everyone has the best intentions to pay them back, but something goes terribly wrong. Currently U.S. student loan debt is $1.5 trillion and nearly 9 million loans are in default. Have your children follow this simple rule – don’t borrow more than they would earn in their first year out of school. In other words, if your child is going to make $24,000 as a first-year teacher (about $20,000 after taxes), don’t take $50,000 in loans.

Compound Interest … Compound interest is when a bank pays interest on both the principal (the original amount of money) and the interest an account has already earned. As an example, if you put $1000 in the bank with compound interest of 10%, in 20 years the $1,000 would be more than $7,000. Without compound interest, it would be $3,000.

Overwhelming? It certainly can be but any disaster can be avoided. You still have time. Maybe you had all the answers when you graduated high school or college, but if not, help your kids learn from your mistakes. Listen, if you knew your child was going to fly a plane a few months after graduating high school, wouldn’t you make sure he/she knew everything there was to know to avoid a crash? Well, a financial crash may not be a painful but it can be just as devastating.

By Gregg Murset, creator of BusyKid


Image Source: Pixabay

Guest Post: Santa Warns Kids to Start Doing Chores


Santa Warns Kids to Start Doing Chores

Tis the season for helping out at home and sharing with people in need

Getting kids to clean their rooms and do other chores around the house is usually a constant battle for parents. But, very soon kids will be hard at work writing letters and making lists of the toys and games they hope to receive for Christmas creating the perfect opportunity for parents to re-motivate their kids.

Santa and his elves will be watching to make sure those chores are getting done and that valuable lessons are being learned as well. For parents with a busy holiday schedule, follow these simple tips to get kids to help more around the house and keep them motivated year-round because Santa is always watching.

Make Like an Elf – It might be hard for kids to understand the concept of a job so put it in holiday terms. Santa and the elves are working hard to make the toys and games, so kids need to work hard to earn them. Treat their chores as their first job and an opportunity to start teaching them about spending, saving, donating and investing.

Divide Up Hosting Housework – Assign your children tasks that match their ages and skill sets to get the house ready for holiday guests. Make sure to give them a deadline to help teach time management and keep them focused. Pay them for the work they do and suggest they use the money to pay for small gifts for a family gift exchange.

Shovel Up the Savings – Broaden the concept of a “first job” for older kids by having them do chores for neighbors. You can either pay your kids for raking leaves and shoveling snow or talk to your neighbors about hiring your kids for a small amount. Have your kids put the money into savings and use this as an opportunity to teach them about the different types of interest that can be earned through savings accounts.

Spread Cheer – Going out of the way to help others during the holidays is in the spirit of the season. To teach kids the importance of helping others and make them feel like they are making a difference have them use part of their earnings from doing chores for a charitable donation or to buy gifts and food for families in need.

Stuff Stockings with Stocks – If you want your kids to help out with chores all year, not just during the holidays, give them a reason to be motivated. Adults work for a paycheck and kids will too, especially if their money starts growing in the stock market.

Gregg Murset, CEO BusyKid

The co-founder & CEO of BusyKid, Gregg is best known as the groundbreaking inventor of My Job Chart which grew to nearly 1 million members in four years. Gregg is a father of six and a certified financial planner and consultant who also became a leading advocate for sound parenting, child accountability and financial literacy.

To Our Baby Girl


Dear Baby Girl, my sweet Dorian,

Twenty-five years ago today, you were born into Heaven. My heart died that day right along with you. I prayed for you, to have you, to hold you. I wanted you so desperately. I only had you long enough to know that He heard my prayers and then you were gone. Born asleep, never to know the pain that this life holds, but to also never know my complete love for you, which grieves me to this day.

What would you have been like? Would you have had my eyes, my hair? Would you have liked to watch the birds, too? Would you have been a bashful beauty? Or, would you have been like your daddy, blue eyes, a sense of humor, an outgoing personality, and able to speak in public? These are things I will never know.

What I am sure of is that you would have loved to read, just as your sisters and brothers do. I think that you would have loved My Little Pony, too. Maybe. The others are three against one on that one.

On this day of I miss yous and what would have beens, I wanted to let you know that you are still very much a part of my heart. The two weeks of grief that I was allowed to have and still be considered normal and not a mental case are long past. Saying good-bye to you has become a part of who I am. You are not here. I won’t see you again until Heaven, however long or short a time that may be. Until then, my heart cries for you.

I love you, baby girl. Have a beautiful birthday up there with all of our family. Please hug the folks for me.

“There is a sacredness in tears. They are not the mark of weakness, but of power. They speak more eloquently than ten thousand tongues. They are the messengers of overwhelming grief, of deep contrition, and of unspeakable love.” –Washington Irving

Image Source: Pixabay

Book Review: Breanna & Amber Help Each Other Achieve Their Dreams by Sabrina Depina Graham

Breanna & Amber Help Each Other Achieve Their Dreams by Sabrina Depina Graham

Parents usually want what they think is best for their children. Many adults see the world in purely financial terms.

In this story two young girls have dreams that are different than what their parents have for them. As the story unfolds, different magical things happen to help with the pursuit of those dreams.

Breanna & Amber Help Each Other Achieve Their Dreams by Sabrina Depina Graham is a good inspirational story. It is well-written and could be a great inspiration for those kids who have heard adults tell them why their dreams won’t work.

We give Breanna & Amber all five stars. It is a good, uplifting story.

Like the saying goes, “Those people who keep saying it can’t be done should get out of the way of the people who are actually doing it.

We were sent a complimentary copy of Breanna & Amber. We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

Prayer Request


I would like to ask all of you to pray for a little one. His name is Jackson. He is approximately 18 months old. This baby has been diagnosed with cancer. I do not have any further details and may not be able to get any more than I have shared here.

Please pray for this baby to be healed completely, and earth-side healing, and to not suffer.

Thank you all. Have a blessed day.

Image Source: Pixabay

Book Review: A Runtamuffin Tale by Melissa Taylor and Illustrated by Marc Beauregard

A Runtamuffin Tale by Melissa Taylor and Illustrated by Marc Beauregard

A Runtamuffin Tale by Melissa Taylor and Illustrated by Marc Beauregard is a cute little story about barnyard animals and their interactions. Most young children will find it fun and enjoyable.

Older children will be expecting an adventure or a major unexpected event that never happens. This is simply a tale of life on the barnyard, no more, no less.

The book is well-illustrated and well-written for what it is. It will make a great story to read to the younger ones, but a disappointing story for the older ones.

We give A Runtamuffin Tale five stars, assuming the author’s intended audience to be younger children.

Hardcover and digital download available from www.runtavision.com

We were sent a complimentary copy of this book. We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255.


Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

Book Review: Unplowed Ground: Cultivating the soil of your challenging child’s heart by Lee Anne Cooper

Unplowed Ground: Cultivating the soil of your challenging child’s heart by Lee Anne Cooper

Unplowed Ground is meant to be a workbook to accompany a series of video lessons aimed to help foster and newly adoptive parents help challenged children.

The workbook is helpful in reinforcing the message from each video.

It is what it is. If you like the idea of having blanks to fill in to assist you in remembering the message, then this is a great tool.

However, if you hate the idea of simple fill-in-the-blanks and would rather have a fork driven through your hand than to have to deal with them, then this workbook isn’t for you.

Unplowed Ground is designed to be a tool to help the viewer remember the key takeaways from the video. It accomplishes that goal. If this is what you need, then buy the workbook.

We were sent a complimentary copy of this workbook. We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

Guest Post: 5 Reasons Why Seniors Should Volunteer at a Church Nursery

5 Reasons Why Seniors Should Volunteer at a Church Nursery


The sound of a child’s laugh delights many people, but did you know that it may also be good for your mental health? The average adult laughs just 15 times a day, while children laugh as many as 500 times in a 24-hour time frame. Science shows that laughter is contagious and can improve your physical and mental health, so spending time with happy children may benefit you. Aside from making each other chuckle, there are numerous other perks associated with volunteering in your church’s nursery. Here are five of our favorites.

Enjoy Time With Little Ones When Grandchildren Live Far Away

If your grandchildren don’t live in the area or a hectic schedule prevents you from seeing them as often as you’d like, you can bond with other children in the nursery. Obviously these children aren’t a replacement for your grandkids, but they can help you forget about the ache in your heart that you feel when your family isn’t around.

Get to Know Other Senior Citizens

Make new friends by volunteering in your church’s nursery. In addition to meeting young men and women, you may have the chance to connect with fellow seniors. Increase your chances of meeting older adults by volunteering during times when seniors frequent the church, such as early-morning yoga classes or midday Bible studies. If your church doesn’t offer childcare during these times, talk to the youth group leader or pastor. The church might be willing to open the nursery during the day if enough parents and volunteers are interested.

Remain Mobile

It’s no secret that aches and pains often plague the elderly, but that’s not an excuse to eliminate physical activity. Volunteering in a nursery helps you remain mobile, especially since you’ll probably end up chasing after energetic kiddos as they play.

It’s important to remain active as a senior. Seniors who are rarely mobile spend more time visiting medical professionals than active seniors, and they’re also more likely to need prescription drugs.

Just be careful not to overdo it while you’re playing with the kids. If you have a bad back, don’t offer to give piggyback rides. If your knees ache, be careful not to kneel on the floor for extended periods of time. Talk to your doctor about your volunteer work for specific recommendations.

Brighten the Lives of Children

Although many parents do the best they can to raise their kids, there are still children who feel unwanted or do not receive much attention from adults. Volunteering in a nursery with babies and toddlers can bring joy to your life, but it can also benefit the kids you work with.

You can strengthen or improve kids’ self-esteem by spending quality time with them at church. You can also act as a role model by showcasing appropriate behavior for little ones. If kids do not receive much attention at home, you can let them know they are loved by engaging in fun activities with them at church.

Improve Your Well-Being

Volunteering with children gives you a sense of purpose, which may help you feel healthier and happier (and less apt to turn to bad habits). Research shows a connection between volunteer work and a decreased rate of mortality. Simply put, you might live longer if you volunteer in your church’s nursery.

Spending time with children may require you to memorize songs and dances, and you might have to learn the rules for kid-friendly board games. It also requires creativity, as little ones may expect you to cook fake food in their play kitchen or pretend you’re a superhero. All of this can help keep you mentally active as you age.

Volunteering in a nursery is beneficial for children, but it can also have a positive impact on your life. Talk to a leader at your religious center to learn how you can make a difference in the lives of local children by committing to volunteer work.

Jason Lewis
Email Jason

Image Credit: Pixabay