A Mothers Real Valentine

Valentine2014

Once a year, every year, the special day of love rolls around. Some women have a special man in their life that they celebrate the day with and spend days leading up until then wondering what their significant other will be doing for them. For me it’s a little different and I know I’m not the only momma out there that celebrates my holiday this way.

Instead of spending my Valentines Day with a boyfriend or any man in that sense I spend this wonderful day of love with the one I love the most. I spend it with my daughter. My daughter is the love of my life and always will be. She brings wonder, laughter, happiness, smiles, dreams and so much more. She gives me something no man could ever give me. She gives me the reason to exist.

Every year we do our day different, we never celebrate the same way. One year I had a basket made special for her from a country store. It had a cute teddy, candy, a card and some different treats. Another year we had a mother/daughter dinner at her resturant of choice. But this year I’m not real sure what to suprise her with. The older she gets the harder it gets to do something to top the year before.

I know right now is the best time to do these things with her, because when she gets older she won’t want to spend this holiday with her momma. When she is old enough to date she will want to spend it with a boyfriend, whom she will think is the person you are supposed to spend it with. I will hate to see that time come. See I make a big deal out of this holiday with her. To my girl Valentines Day is like a mini Christmas. We don’t do big presents like on Christmas, but we spend a girls day together.

My girl is only six years old, but now she’s a girly girl. So I’m thinking to top myself from last year that I might take her to get a mani-pedi. She used to go with me when she was a kid to watch me get one and was fascinated by it. Since she was old enough to talk that is all she ever asked for when we went to the mall. I always tell her the same thing wait until you are older. Even though I know it would benefit her more if she were a few years older I really think she would be over the top happy if I suprised her with one.

Like I said she is only 6, but she has a mind of a 16 year old teenager. So this present wouldn’t go unappreciated she would diffently enjoy it very much. I can just imagine the look on her face as she gets all dressed up to get her nails and toes done. Now I’m not saying I’m letting her get fake nails put on her because I think that maybe taking it to far for her age. I’m talking about them filing her nails, painting them her choice of color and then doing the same to her toes. You know soaking them in the water and all that jazz. Then getting her toes painted to match her fingers.

She may not be getting the whole package, but I think it’s a pretty good package for being only 6. I mean I could buy a toy and it would make her happy instead of a mani-pedi. But I can just hear her now when she goes back to school telling all her friends how she was able to get her nails done just like a grown-up. It’s funny how our children spend their childhood wishing to be grown-ups, but then when they are they spent their adult life wishing they were kids again.

I hope my little Kaely Bug will be so happy this Valentines Day. To me there is nothing that could keep me from making her happy on this day. Getting deep I guess it’s because my mom wasn’t so great with the little holidays and never made a deal out of it. She acted like it was just another normal day. I don’t want my child to feel left out like I did, or feel different so sometimes I know I take it to far. But if it makes her happy it doesn’t matter to me what it takes to make it happen.

One of these days I know I’ll regret spoiling her this way, but for right now it’s just too cute. Nothing melts an adults heart more than a happy little girl. To me my daughter makes the sunshine brighter, everything sweeter and makes my world go around. I think I need her more than she needs me. I can’t imagaine my life without her and I wouldn’t want to.

If anyone has plans for Valentine Day no matter if it is with your kids or that special someone feel free to tell what you are planning. Leave a comment if you would like I would love to hear what you have in store.

Advertisements

That Time of The Year: Spending Your Tax Refund

imagesCADO4PHA

As a single mom I’m always worrying about my daughters future. Normally, when I recieve my tax refund I plan ways that my family can enjoy the money. Sometimes we take shopping trips, buy things we’ve wanted all year and pretty much just splurge. As I get older I have been thinking about way I could put this money to good use so that it may benefit my family as times goes on. Upon doing a little research I found the top ten ways that income tax refunds can be spent wisely yet still benifical.

(#1) Pay Down High Interest Loans: When we run out of cash on hand sometimes we use that credit card to hold us over until payday. We make payments over and over yet the interest keeps adding up. So by paying off the creid cards before making investment decisions would be a great idea to do with your income tax refund.

(#2) Fund Your Retirement Account: A high percentage of Americans have no money invested for their retirement. If your job doesn’t pay in on your retirement then how else will it be funded when that time comes? Consider making contributions to an IRA. You don’t have to put your entire Income Tax their, but maybe just a specific amount.

(#3) Invest: If you invest $1,500 in the stock market, over 30 years at 12% (the 30 year market average) you’d have $53,924. I advise you to do research first before making an investment decision here.

(#4) Open An Emergency Account: If you don’t have one of these accounts then what is your plan if you are sick and out of work? How will the bills be paid and who will take care of your family? If you have money put aside in an emergency account for a total of 3 to 6 months living expenses then you can be at ease if something ever happens.

(#5) Pay For Repairs: Repairing expensive things now will save you dollars later. While you have the money to take care of why not? Why wait until your back to pay check to pay check to fix that leaky roof? Why wait to count to the penny to get good tires for you transportation?

(#6) Make Extra Rent or Morgage Payments: By paying ahead on these it can give you time to put away a few paychecks. You’ll be able to get ahead and not be month to month.

(#7) Start Personal Endorcement: Invest in your emotion, physical, intellectial, or career growth. Maybe you want a gym membership, or to take cooking classes, or maybe you want to climb your career ladder with a couple college courses. Here would be the time to invest in that.

(#8) Donate To Charity: Support a cause that is important to you. Also a portion of the donation is tax deductible on your next years tax return.

(#9) Open A 529 College Savings Plan: An average 4-year college tution costs $10,000. With a 529 plan it works like a Roth IRA and withdraws completly tax free for higher education purposes.

(#10) Plan A Vacation: Do something you have been dreaming about. Money is to be enjoyed as well as earned, saved and invested. So if your dream is to lay on the beach then go for it.

** I hope that this was helpful to some. If you don’t mind please take the poll at the top when you have the chance. Thanks so much for stopping by. **