By Michele Borba
www.micheleborba.com
These are tough times for us all, but they can be especially hard
if you have kids. After all, a big part of parenting is about
wanting our children to be happy and shielding them from the more
painful parts of life. So when our child's face
crumbles because we can't afford their birthday
party, it is hard. When our
kids tear up when we have to say no to the
sport gear, instrument or shoes they wanted,
it is tough.
But when you lose your job, car, home, savings, or your
child's college education,
it is heart breaking because you know that your
kids lives will change.
Let's be honest.
There is an important parenting secret here: Recognize that
how you act and what you say these next days, weeks or even months
can affect your children's emotional well-being
not only now but long-term. While you may not be able to save
your job or house, there are ways to help your family get through
these tough times.
1. Be open with the facts. Kids are perceptive and know something is up, so trying to cover up a harsh reality to protect them only fuels their worries more. While you don’t need to tell kids all the facts, you owe them an explanation tailored to their level of understanding. For a young child: “Daddy and Mommy are a little worried about work right now but we’re doing what we can so everyone will be all right.” For an older child: “I know you’ve heard about how bad the economy is right now. Things will be tight at home for a while but we’re working hard to try to make it through this.” If you are about to loose your home, job, etc. make sure you are the one to tell your child.
2. Admit your concerns. Your child is picking up your worries and concerns so own up. Begin with a simple: “I know you’ve noticed that Dad and I have been upset lately, so we wanted to let you know what’s going on.” Your child may not seek you out, so go to your child.
3. Create a budget. Sit down with your kids and explain that you need to cut back. Don’t go into details about your finances. Instead explain that you need to set a “budget.” Then enlist your kids to help you prioritize your spending. It’s a great way to teach financial planning. Add up your expenditures then figure out ways to cut back then take a pledge to stick to that budget at least for a month. Dozens of American families are taking the “Frugal Family Challenge.”
4. Make routines a priority. Sticking to a routine helps reduce worries because it boosts predictability and boosts security. During tough times kids those routines are crucial. While everything else around them may seem to be crumbling those bedtime rituals, nighttime stories, hot baths, hugs and backrubs remain the same.
5. Stay calm. Children mirror our moods and if they see us upset their worries only escalate. Staying calm yourself is the best way to reduce your children’s worries. Whenever you’re upset take a few deep breaths or walk away until you can get back in control. But also find no-cost ways to reduce stress as a family. Meditate with your kids, do yoga with your daughter, ride bikes with your preschooler, listen to relaxation tapes with your kids. Not only will you reduce your stress but you’ll also help your kids learn healthy ways to minimize theirs.
6. Watch your child and reach out for help. Tune in a little closer these next weeks. Watch for stress signs or behaviors that are not typical for your child. Then don’t be timid about get help. Enlist a relative or friend who cares about your child to spend a bit more time with him. Call the guidance counselor or school psychologist, go to your minister or talk to your doctor for advice. If at any time your child’s emotional or physical well being is at stake, pick up the phone A.S.A.P. and don’t wait.
7. Explain this is temporary. Your family may be hurting and your devastation may be severe. But remember kids are resilient and what the y need most is reassurance that you will make it through this together. Stay honest, “I don’t know how things will turn out, but I’ll do absolutely possible.” Above all, give your kids a message of hope, “Whatever happens, we’re together.” And when all is said and done that really is what matters most.
How to Help Your Kids Cope with Your Financial Challenges
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