Category Archives: parenting

Mom-Approved Tips: What Are Your Priorities?

 

prioritiesEvery day parents complain about the high cost of college and the fact that even though they have saved, it’s not going to be enough to cover present day costs. When the kids enter high school, most parents begin to panic. The time has slipped away from them and they are faced with some difficult decisions. The thought of disappointing their kids seems unfathomable and the thought of telling their family and friends that they can’t afford to send their kids to college is even worse.

Consequently, we exhibit behavior that has devastating consequences for us and for our kids:

  • We make unwise decisions related to student loans
  • We neglect to tell our kids “no” when a college is beyond our ability to pay
  • We don’t include our kids in the financial aspects of the decision in the beginning

I read a post by Lynn O’Shaughnessy on The College Solution blog entitled We are Done Paying for College— it made me stop and think: what are our priorities as parents? Lynn and her husband began planning when their kids were little. They scrimped and saved and prepared for the day when they would go to college. It required sacrifice and commitment. But they did it and can say that their kids graduated without any student loan debt. You owe it to yourself to read her post, even if your kids are already in high school. It’s a definite wakeup call for all parents of college-bound teens.

Step back and evaluate

What are your priorities? Is college important enough for you to make some sacrifices? This means financial sacrifices and sacrifices of your time.

Make a plan and stick to it

If paying for college means driving an older model car for a few years, do it. If you need to supplement your education savings by taking on a second job and insisting your kids work during high school, make it work. If your family has to forgo some vacations, a new home, or a eating out often, it’s worth the sacrifice. But whatever you decide, make a plan and stick to it.

Be creative and think outside the box

There are so many creative ways to attain a college degree. Your kid isn’t bound to the typical four-year University or attending four consecutive years in a row. It’s also not necessarily essential that they attend college right out of high school. Do whatever it takes to attain the degree without debt and causing the family financial hardship.

It doesn’t matter where you are in the college prep process. You should evaluate your priorities and ask yourself some tough questions. It may sting in the beginning but once you’ve examined your options, you’ll sleep easier and so will your kids.

Wednesday’s Parent: It’s Party Time Again

 

party timeIt’s party time again—your teenagers are getting glammed up for proms and parties. But before they head out the door, there are some topics you should discuss with them. Here are three of my past posts discussing how to talk with your teens about partying that goes too far.

Drinking

It’s party season again and unfortunately that means underage drinking and possibly driving. Before your teen leaves for college, have a chat with him/her about the dangers of alcohol. I know you’re thinking: they won’t listen to me. But kids will tell you that they actually listen more than we think.

Watch this video for the truth about drinking

Hooking Up

What is hooking up? The term “hook up” is vague, but is usually defined as a no-commitment, physical encounter with a stranger or acquaintance. Hooking up can range from just a casual get-together to a make out session to sexual intercourse. Knowing this makes it difficult to discern just what it means when your college student tells you they “hooked up” with so and so.

Read More

Drinking and Driving

Do you remember when you were a teenager? Likely you can recall bits and pieces, but as you have grown older, wiser, and more experienced, you may have forgotten the particular blend of hormones, peer pressure, and self-discovery that leads teens to experience a sense of both invincibility and the immediacy of everything going on in their lives. You no doubt shake your head, exasperated, when your teens decry your overly careful attitude, but the truth is that you are at very different places in life. Your teens have yet to know the heartache and hurt that has caused you to become so cautious. But you have been where they are, and if you try to recall how you thought and felt at their age you should be able to come up with ways to connect to your college-bound kids on a level they can relate to.

Read More

Read Wendy’s post: Partying and your college bound teen

___________________

Wednesday’s child may be full of woe but Wednesday’s Parent can substitute action for anxiety. Each Wednesday Wendy and I will provide parent tips to get and keep your student on the college track. It’s never too late or too early to start!

The bonus is on the fourth Wednesday of each month when Wendy and I will host Twitter chat #CampusChat at 9pm ET/6pm PT. We will feature an expert on a topic of interest for parents of the college-bound.

Wednesday’s Parent will give twice the info and double the blog posts on critical parenting issues by clicking on the link at the end of the article from parentingforcollege to pocsmom.com and vice versa.

Wednesday’s Parent: With Freedom Comes Responsibility

 

responsibilitySince I was a child, my parents have reminded me that freedom has a price. To secure our freedom, many men and women have lost their lives–a possibility for any serviceman when they enlist. But do your teens understand the concept? Have you taught them when granted freedom, they are responsible for following the rules and behaving appropriately. With the freedom to choose, comes the responsibility for your choices and your actions.

Bad scenarios

One of the first things we learn growing up is that all of our actions have consequences. If we pull a glass of water off the table, it will spill all over us. If we touch a hot burner on the stove, it will burn. If we pick up a knife on the blade, it will cut us.

Unfortunately, many teenagers don’t carry that knowledge into adulthood as they begin to make choices that are life changing and life altering. They become consumed with their newfound freedom. They don’t rationalize that sleeping with someone they just met in a bar can have consequences: sexually transmitted diseases, AIDS, pregnancy, rape and even at the very worst murder. They don’t think that cheating on a test in school, even if they don’t get caught, robs them of an education and learning. They don’t comprehend that having 20 credit cards that are maxed out will put them so deep into debt that for some the only solution is suicide. And they don’t think that marrying the wrong guy could put them at the bottom of San Francisco bay like it did Laci Peterson.

Functioning in the present

When you’re young and your whole life is ahead of you, you tend to function in the present. Twenty or thirty years from now seems like an eternity to someone in their teens and twenties. But time has a way of catching up with us and every choice we make when we are young has both good and bad consequences. The trick is to know when those consequences aren’t worth the risk. And the other trick is to pause long enough before taking those risks to weigh both the good and the bad.

A free choice with negative consequences

During my son’s senior year of high school, he wanted to join the military. As his parents, and with an underage teenager, we met with the recruiters prior to him signing up. They assured us that he could attend college while serving in the Corps, that he could be assigned to his choice of duty stations, and that he could pick his specialty because of his high test scores on the entrance exam. However, we were skeptical about the promises they were making. But once he turned 18, he would be free to make the choice, so we gave our permission.

Upon arrival at boot camp after high school graduation, he quickly discovered that all the promises were just ploys to get him to sign on the dotted line. Needless to say, he learned a very difficult lesson: every decision has consequences. He served his time in the military, traveled, and made some great friends. But his dream to be a lifetime soldier was affected by his distaste for the unfair treatment he received in the Marine Corps. His decision altered his future goals and sent him on a very different path than he had originally planned.

Lessons learned

If you get anything from this bit of advice, let it be this: teach your teenagers to take time to think before they act. Weigh the good and the bad consequences. Then once they decide, make the best of their decision and swallow the good with the bad. Every path they will take in their life has the potential for greatness. Help them see before they head off to college that freedom brings responsibility –responsibility for their actions and the consequences of those actions.

Read Wendy’s post: Passing the Responsibility Torch

_________________

Wednesday’s child may be full of woe but Wednesday’s Parent can substitute action for anxiety. Each Wednesday Wendy and I will provide parent tips to get and keep your student on the college track. It’s never too late or too early to start!

The bonus is on the fourth Wednesday of each month when Suzanne and I will host Twitter chat #CampusChat at 9pm ET/6pm PT. We will feature an expert on a topic of interest for parents of the college-bound.

Wednesday’s Parent will give twice the info and double the blog posts on critical parenting issues by clicking on the link at the end of the article from parentingforcollege to pocsmom.com and vice versa.

Wednesday’s Parent: Obey the Rules

 

Sign up for my FREE parent tips email and get my FREE Ebook on college financing! Or subscribe to my blog on the left and get email updates.

Wednesday’s child may be full of woe but Wednesday’s Parent can substitute action for anxiety. Each Wednesday Wendy and I will provide parent tips to get and keep your student on the college track. It’s never too late or too early to start!

The bonus is on the fourth Wednesday of each month when Suzanne and I will host Twitter chat #CampusChat at 9pm ET/6pm PT. We will feature an expert on a topic of interest for parents of the college-bound.

Wednesday’s Parent will give twice the info and double the blog posts on critical parenting issues by clicking on the link at the end of the article from pocsmom.com to parentingforcollege and vice versa.

 ______________________________

obey the rulesIt’s the never ending battle that ensues during those teenage years: who’s in charge? Teens feel that since they are growing toward independence, they should be in charge. Parents, knowing that the teens aren’t quite adults and fearing the fact that they will eventually leave, clamp down on the rules, and rightly so. To a teenager however, rules are made to be broken. Unfortunately, the rules of college prep will have negative consequences if they are not obeyed.

Here are just a few rules that your teen may be tempted to break during the college prep process that could hurt their college chances:

Study before play

Believe it or not, the most important bargaining tool your student has is his grades. It’s not the SAT’s or the extracurriculars. It’s his grades and the courses he takes during high school. Colleges look first and foremost at the grades and the quality of the courses he took. Allowing him to break this rule could have negative affect on his college application. Enforce this rule before all other: study before play.

Money matters

As the college prep process proceeds to senior year, your student will react like a kid in a candy store. Because of their peers, they will be looking at the most expensive colleges, with the prestigious names and the most infamous reputations. For most, those price tags don’t fit into the family college budget. And if your teen isn’t the best of the best, don’t expect merit aid or scholarships from those colleges. In this case, money matters and you should communicate this to your teen before he takes the college to the cash register.

Behave yourself

Colleges pay attention to behavior. They are looking for respectful students who have leadership qualities and take academics seriously. What they aren’t looking for is a student who shoots his mouth off on Twitter, posts pictures of his naked body on Instagram, and complains about parents and school on Facebook. One of the easiest ways students can impress college admission officers is to behave themselves.

Respect deadlines

Deadlines are like lines in the sand. Once drawn, you can’t cross them. Missing those deadlines will have harsh consequences. There’s no room for procrastination in the college prep process. Colleges expect your student to respect their deadlines. No respect means no admission.

Work hard

There’s no room for a slacker in the college prep process. Only those students who work hard are going to reap the benefits. Hard work always pays off when it comes to the rewards of college admissions. Hard work results in the best offers of admission and the best financial aid packages, not to mention the satisfaction of knowing that the work paid off.

This is the time for parents to remind their student that obeying the rules protects him from negative consequences and ensures positive outcomes. The simple rule we started when they were toddlers, pays off during college prep. Obey the rules!

Read Wendy’s blog: Rules to Follow and Rules to Break

The Teenage Drinking Culture

 

It’s party season again and unfortunately that means underage teenage drinking and possibly driving. Before your teen leaves for college, have a chat with him/her about the dangers of alcohol. I know you’re thinking: they won’t listen to me. But kids will tell you that they actually listen more than we think. And after you have the conversation, show them this video!

Video Graphic by 12 Keys Rehab

Mom-Approved Tips: Practice Tough Love

 

tough loveParenting is easy if you give into your child’s every whim, never be consistent with discipline, or simply don’t pay attention. Parenting children who strive for excellence in everything requires some tough love. And tough love is not easy; especially when it comes to the raising a motivated, educated, and successful student.

How do you, as a parent, raise a child that’s motivated to strive for excellence where their education is concerned?

Practice tough love by doing the following:

Set guidelines and rules and stick to them

When they are young, set rules about homework and study time. If they are older, it’s not too late to get started. Insist that homework is a priority before any after school activities. Limit technology because it can be a distraction.

Be prepared, however, there is going to be dissent; but don’t cave. Don’t give in to their whining and complaining. Years down the road with they graduate with honors, attend college, and secure a career, they will thank you for practicing tough love.

Praise achievement (not mediocrity)

Society is so afraid of hurt feelings, they have made it impossible to praise achievement. Awards are given for participation, and not excellence. When this practice becomes common, your children expect to be rewarded and praised for mediocrity. They learn to expect praise for tasks that should be common practice. Set expectations and when they are exceeded, praise them.

Teach them to take responsibility for their own actions

Teens love to play the blame game. You know the drill: it’s always someone else’s fault for bad behavior. Someone either coaxed them, coerced them, or talked them into doing something. It’s never their fault. It’s always the other persons: the teacher, the principal, another student. Learning to take responsibility for your own actions is one character trait that will follow them through high school and into college.

Step back and let them fail

Don’t rescue them from every difficult situation. You know the term–helicopter parenting. It’s important for them to make messes, get hurt, feel disappointment, and fail at tasks.This helps them develop life skills, achieve happiness, and be successful–the things we so desperately want to give them.

One parent summed it up well:

The reality is, we can’t “give” our children happiness and success anyway. It has to be earned. And earning things of such high value means our children will have to pay a price. We can either “love” our children into big grown up babies, still living at home at age 30 expecting mommy to swoop in and solve all their problems, or we can love them into a life of competent self-confidence by letting them experience pain, failure, disappointment, self-denial, and good old fashioned hard work.

Isn’t that what tough love is all about? Love your children so much you set rules, provide clear expectations, and allow them to fail so they can learn.

Using Twitter Chats for College Prep

 

Sign up for my FREE parent tips email and get my FREE Ebook on college financing! Or subscribe to my blog on the left and get email updates.

twitter chatsTwitter chats offer a goldmine of information for parents. Any question you need answered or advice you need to hear related to college prep and higher education can be answered in a Twitter chat. College admissions officers, financial aid officers, college counselors, parents, parent advocates and college experts congregate in Twitter chats.

For those of you who are novices to Twitter chats and hashtracking, I’m going to answer your basic questions and offer some guidance. If you have additional questions, feel free to leave a comment and I will respond.

What’s a Twitter Chat?

A Twitter chat is a group of like-minded people gathering on a specific time to chat on Twitter. It’s just like a chat room, without the room. Tweets to one another are recognized by using a hashtag (#beforethename) that indicates you are participating in the chat. Others will be able to easily see your tweets by using the specific hashtag.

Most Twitter chats have moderators and guests that answer basic questions. You are encouraged to participate by asking your own questions and offering any advice you might have on the topic.

How do I participate?

Simply use the hashtag (#twitterchat) and read those who use the same tag. You can tweet to them, retweet their tweets and participate in the conversation.

What tools do I need to participate?

You can use any Twitter program to follow the tweets. Some suggestions are Hootsuite, TweetChat, and TweetDeck. All you need to do is do a search for the specific hashtag and follow the thread.

Can you recommend some chats that would be helpful?

Following is a list of chats that will help college-bound parents navigate the college prep process:

  • #CampusChat 9PM ET weekly on Wednesdays
  • #CollegeChat 9PM ET weekly on Tuesdays
  • #CollegeCash 8PM ET weekly on Thursdays
  • #EdChat 7PM ET on Tuesdays

If you have any others you would recommend, please add them in a comment.

 

Wednesday’s Parent: Spring Fever and Your Teen

 

Sign up for my FREE parent tips email and get my FREE Ebook on college financing! Or subscribe to my blog on the left and get email updates.

Wednesday’s child may be full of woe but Wednesday’s Parent can substitute action for anxiety. Each Wednesday Wendy and I will provide parent tips to get and keep your student on the college track. It’s never too late or too early to start!

Wednesday’s Parent will give twice the info and double the blog posts on critical parenting issues by clicking on the link at the end of the article from pocsmom.com to parentingforcollege and vice versa.

__________________

spring feverFor some of us (especially those of us in the South), spring has peeked it’s head out for a few days and spring fever has arrived. You know the feeling—restlessness creeps in, a desire to play instead of work, and a lack of motivation. If you have a teen, they struggle to get back into the swing of things, especially after their break.

Why do these feelings crop up, especially during a time of year when the dreariness of winter is lifting and the promise of warmer weather and sunshine should bring a positive attitude? There may be many causes:

  • It’s prom season. Need I say more?
  • Seniors are feeling the stress of college decisions and being on their own.
  • It’s also a time when parents may verbalize their own fears about the future, such as, “Do you know how much college costs?” making it a concern for the entire family.
  • Some parents don’t ask their kids if they even want to go to college, causing kids to feel pressured and panicked about the future.
  • Spring means midterms. Midterms bring pressure, especially with seniors who worry about graduating if they fail.
  • Parents are also tense wondering what kids will do to stay busy in the summer. Working parents wonder how they’ll keep the children from getting into trouble.
  • Parents of seniors begin to realize that the inevitable will happen: they will eventually have an empty nest and it’s a frightening feeling.

This is a time when tension rises and you hear parents say, “Just three more months, and you’re out of here!” Imagine the impact those harsh words have on kids already acting out because they are scared about leaving home.

Recognizing the symptoms of spring fever should help you weather the next few months with minimal upheaval and conflict. In addition, being open to communication from your children, can go far in your own awareness of your child’s particular situation so that you can stay ahead of more serious issues such as depression. And don’t forget to stop and smell the roses!

For some tips on how to deal with spring fever, read Wendy’s post on the

6 Antidotes for Spring Fever.

Wednesday’s Parent: A Crash Course in Money Management

 

money managementBudget? For teenagers. Why on earth would they possibly need to learn to budget? Their every need is met: food, shelter, clothing and for most entertainment. The baby boomer generation has made sure that our kids want for nothing and their every need is met immediately. What is wrong with this picture? Simple. We’re raising a generation of children who end up drowning in debt as adults.

Before you send your child off to college and expect them to understand how to budget and not abuse credit, it’s time to give them a crash course in money management.

Money 101-The difference between wants and needs

This is the foundation upon which every other lesson is built upon. We all say it, especially our kids: I need (fill in the blank). But is it a need, or a want. Most of the time, it’s a want. And if it’s a want, you can 99.9% of the time, do without it. Understanding this concept will help your kid learn to spend wisely and if you teach them to ask this question before they make a purchase, it’s going to change their lives.

Money 202-Don’t spend more than you earn

Adults (or most adults) understand this concept. If your child doesn’t learn this before college, it is open season for college students by the credit card companies. It’s easy to “swipe” the card and rationalize they can pay for it later. Before long $20 becomes $50, $50 becomes $100, and $100 becomes $1000.

Money 303-If you want it, you have to earn it

This is an easy lesson to teach your kids, but many parents don’t. Start early with chores, then summer jobs, and then encourage them to save for that high ticket item. Purchasing a new car for your teenagers doesn’t teach them this lesson. Instead, consider a used car that needs some work, but only if they contribute some of the funds.

Money 404-Don’t depend on a rich benefactor

We’ve all seen those shirts in the mall that say: “My kid thinks I’m an ATM”. This is the mantra of today’s generation. If I want it, mommy and daddy will get it for me. If I want to go to college, mommy and daddy will foot the bill. Encourage them to always have some “skin in the game” when it comes to important purchases. If it’s their hard-earned money, it will have more value.

Graduate Course-Create a budget and stick to it

You can start early with an allowance and some weekly spending money for essentials. Explain to them that this is their money but it’s their responsibility to use it wisely. When it’s gone, it’s gone. They will have to wait until the next week before their funds are replenished. It’s as simple as sitting down with them every week and writing down how much money they have and what they will need to spend it on.

Kids who learn these lessons before college will be happier adults. They won’t become a slave to debt and they will work for everything they acquire in life.

For more budgeting tips read Wendy’s blog:

6 Circus Lessons for Balancing the Budget

Wednesday’s Parent: When Just Say NO Is Not Enough

 

just say noIf you or your child has been in the public school system in the last 30 years you’re familiar with the phrase–just say no. From first grade on, those words have been pounded into the heads of kids giving them an answer to anyone who offers them drugs or any other form of abuse. It’s not the answer sometimes that’s important, as much as the attitude behind the response.

Research shows that kids who have a good relationship with their parents are less likely to pursue a life of abuse. The drug awareness programs give parents some guidelines they say will help. They instruct parents to do several things and lead us to believe that if we follow those rules, our kids are less likely to succumb to peer pressure.

Their suggestions have merit. But the bottom line is that most kids, no matter how strong they appear or how great their relationship is with their parents, are going to find themselves in a situation where just saying “no” is not enough. Just saying “no” will be met with teasing, pressure, and even ridicule. It’s your job as a parent to prepare them for that moment.

Educate your kids about abuse.

You should be the one to give your kids all the information they receive about the consequences of drug use. Don’t use scare tactics. That never works. There’s not one kid alive who actually believes that if he tries a drug once, it will kill him; although, it can and has in many instances. They see themselves as invincible. Give them facts. If you’ve done your job and they trust you, they will listen and when the time comes, remember what you’ve said.

Prepare them for the worst case scenario.

Tell them it’s going to happen. Give them some suggestions on how to handle the situation. Assure them that no matter what happens, you will be there for them. You want them to tell you everything; no matter what decision they choose to make. Let them know they can call you, anytime, day or night, to come and rescue them and you will be there in a heartbeat.

Keep the lines of communication open.

Make sure your kids know they can tell you anything, and they won’t be judged. Kids tend to keep things from their parents; that’s just part of being a kid. Let them know that, no matter what they do, you will love them. You may not love their behavior, but everyone makes mistakes. Everyone messes up and does things they are ashamed of. Make it easy for them to tell you about those bad choices, so you can help them make the right ones the next time.

Before they leave for college have a conversation.

Your kids have listened to everything you have told them over the years. But this is a time to remind them that they have options. Talk about the drinking culture on campus. Discuss the “hooking up” culture and sexual abuse. Bring up the subject of drug abuse. You may need to do a little research before you tackle this conversation because your kids are aware, or have been confronted, with abuse throughout high school.

What do you do if the worst happens?

Consider this scenario and prepare yourself for a response. Your daughter goes to a fraternity party. It goes without saying that there is going to be underage drinking and drug use. (If you don’t face this fact, you are in denial). Someone brings Ecstasy to the party and is passing it out freely. If you’ve done your job as a parent, she knows what Ecstasy does to her brain and how it affects her body. The girl that’s willing to share is her best friend. She tells her that it’s supposed to make you feel “all warm inside” and tells her no one will know. She tells her that by the time she gets home, the high will have worn off and if she doesn’t like it, she doesn’t ever have to do it again. She reminds her that you can’t judge if you haven’t tried it. So against all the knowledge you’ve given her about the effects of drugs, she takes the pill. Then, in a conversation about college and how she’s doing, she tells you what she did.

Be prepared for a response. Just saying “no”, wasn’t enough. She’s going to need an understanding parent who doesn’t judge, but reminds her there are consequences to every decision. This is an opportunity for a life lesson. You may not be able to be with her 24/7 but your words will be. The next time, she will hopefully think twice about making such a dangerous decision.

For more parenting tips, read Wendy’s blog: 7 Deadly Sins, Teen Style