A boy or a girl thing? Do not teach this to your children

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Do not teach this to your children…

The scene is familiar and sometimes happens to me having a boy and I can tell you I make the same mistake: My son is playing in the dirt with his trucks, cars, yelling and being loud, and of course full of energy. He’s just a happy kid playing outside and probably myself or some family member make an exclamation: he is just a boy, boys are like that or boy are more hyper than girls etc… just to mention some comments.

It is a common phrase, and even my friends and family have joked about our own children in this way. The boy we’re talking about is noisy, active and loud. Maybe he’s or will be destructive or disorganized, but I am realizing I am having issues with this comments that I personally make myself.

We are promoting a traditional and obsolete gender label. I know many people swear or believe that boys are naturally different from girls, and that may be true. But the way we talk to, or comment about it is not well about how we treat our children and the prospects and expectations we are creating. When we expect boys to be noisy, loud and active, we are tutoring them to be exactly that.

We are creating behaviors and personality based on gender. Being active does not have a gender. There’s no sex in being shy or loud or delicate, there is not gender in being funny, smart, lazy or motivated. Anyone can have these characteristics anyway beside of the sex, and our culture assigns them one anyway.

They don’t need to make a behavior a male or female thing, and what is not even appropriate and I include myself, is to do it in front of kids, every kid is different. Although some boys are loud and rough, some are more reserved and sensitive, there are plenty of boys at both who prefer read than play outside, boys who talk quietly and don’t yell out in class or on the yard. We all know that there is not just one way of being a boy or a girl. But when we say things like, “He’s all boy,” we’re creating and celebrating a pyramid of qualities. We’re saying that this is the way to be a boy.

Girls are also reaching this message. They are learning that some type of behaviors are recognized with being a boy and may feel the need to distance themselves from those types of individuals. Anyway, kids are learning what adults think boys and girls should be and how they should act from these types of comments.

If we don’t want our children to be aggressive or destructive or bad-mannered, don’t defend these actions, teach them what’s right and what is not. Expect more from me also, and I will expect something different from others. Follow my blog for more tips and informative articles.

Monica 🙂

WHO IS HARDER TO RAISE?

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Boys vs. Girls:

Can we finally answer the great parenting debate over which sex is more challenging to raise? I truly believe in the results.

Here are some results :

Discipline :
Who’s harder? Boys
Why don’t boys seem to listen? Turns out their hearing is not as good as girls’ right from birth, and this difference only gets greater as kids get older. Girls’ hearing is more sensitive in the frequency range critical to speech discrimination, and the verbal centers in their brains develop more quickly. That means a girl is likely to respond better to discipline strategies such as praise or warnings like “Don’t do that” or “Use your words.” “Boys tend to be more tactile they may need to be picked up and plunked in a time out chair. They’re also less verbal and more impulsive, he adds, which is especially evident in the toddler and preschool years.
These developmental differences contribute to the mislabeling of normal behavior as problematic, a growing number of observers say.

Physical Safety:
Who’s harder? Boys

Boys, being natural risk takers, may need encouragement to slow down a little, but maybe girls need to be encouraged to take more risks. Look for opportunities for your daughter to jump off a wall, swim in the deep end, or try the bigger slide.

Communication:
Who’s harder? First boys, then girls

From birth, a girl baby tends to be more interested in looking at colors and textures, like those on the human face, while a boy baby is drawn more to movement, like a whirling mobile. In a nutshell, girls are rigged to be people-oriented, boys to be action-oriented. Because girls study faces so intently, they’re better at reading nonverbal signals, such as expression and tone of voice. Boys not only learn to talk later than girls and use more limited vocabularies, they also have more trouble connecting feelings with words.

As girls get to be 8 or so, things can get harder: The flip side of being so adept at communicating is that girls exert a lot of energy on it. There can be a great deal of drama around who’s mad at whom, who said what and why, and more. Start when your daughter’s a toddler to establish an open communication, so she learns she can come to you for advice.

Self-esteem:
Who’s harder? Girls

Developing a healthy self-image is critical to all kids. But as the more compliant and people-oriented gender, girls tend to grow up less confident and more insecure than boys, researchers say.

Make no mistake, helpfulness and nurturing are virtues for everybody. But this tendency in girls makes it smart to help her explore and strengthen her inner nature and encourage her to try new things.
Body image is a big part of self-esteem, and though there’s certainly body-image dysfunction in boys and men, it remains mostly a female issue. The natural rounding out of the body that happens in puberty clashes with the unnatural slimness girls see in the culture around them.
Teach your daughter to listen to her body’s signals of hunger and satiety. Girls who listen to their bodies tend to listen to their instincts in other areas. Sports are a great way for girls to build confidence and a healthy appreciation for their bodies.

School:
Who’s harder? Mostly boys
Boys and modern education are not an idyllic match. An indoor-based day and an early emphasis on academics and visual-auditory learning ask a lot of a group that arrives at school less mature. In their early years, most boys lag behind girls in developing attentiveness, self-control and language and fine motor skills.
The relatively recent acceleration of the Pr-K and kindergarten curricula has occurred without awareness that the brain develops at different sequences in girls and boys. Music, clay work, finger painting, and physical exercise early-ed activities that once helped lively kids acclimate to school are vanishing. Few teachers are trained in handling the problems that result.
One area where girls do less well in school concerns spatial learning, such as geometry. Girls may use different parts of their brains to process space perceptions. The key is for parents to present both boys and girls with plenty of no-pressure opportunities to try out the areas that are challenging.

I obtained some information from Parenting since I had my son I truly believe how boys are more difficult to raise specially at early ages. For more articles and tips follow my blog.

 

 

TIPS TO READ TO YOUR KIDS UNDER 3 YEARS-OLD

 

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Your kids love the reading time with you, eventually they wait for that moment however sometimes for them to pay attention could be a mission. They most of the time love and wait for it but sometimes their entertainment is somewhere else. As a parent s is always good to obtain and have some advice on how to hold their attention on this reading time, especially for kids under 3 years old.

It is always good to enforce and implement the love to read specially since they are little, and that is the reason why you never have to stop reading to them specially the first years. The key is to basically have the right election on the histories you read to them, the secret is to look for the classic adventures and short histories.

Actually there are more tips that can help you to not fail on this trial.

How can make it fun?

  • The selection of a history full of action is a key on this daily activity; try to involve animals as a fundamental for the short period of the reading.
  • Use your vocal cords to reach them and provide the magic of the history as they can enjoy the performance, using different tones in your voice.
  • A lot of animations in the book are essential, the colors, the bright images will capture their attention instantly.
  • Let your kids touch the books, the pictures, the images,  they need to make contact with the lecture and feel the reality of the moment, they always  feel attraction to colors, images and different symbols  in the book.
  • Do not forces your kids if they are not enjoying the lecture, jut look for another history in another moment.
  • Help you with your index finger when you are reading to them, follow the lecture slowly pointing each word with your finger , we need to show them that we are reading directly to them and we are not improvising the lecture even if we are really  doing it.
  • Read daily, not sporadically. You can start reading a short story every day and gradually when you see your child getting into the reading habit increase the amount of lecture a day. Read 15 minutes each day as a minimum.

Why is important?

 This activity benefit to kids in all ages since they are little until adults, something that simple activity could represent a lot of advantages in the mental development of your child. Lectures and reading improves the language and imagination, also increase the vocabulary and develop memories and expression since early age.

 

 

7 WAYS TO SOOTHE A SICK TOODLER 

As adults, the second we feel cold symptoms coming on we’re likely to pop open the medicine cabinet and raid the pills and syrups for something to make us feel better. However, when our young children fall ill, many medicines are an absolute no. We hate to see our sweet ones suffer not to mention our own lack of sleep and many parents feel helpless without a go-to medicine to ease their child’s symptoms. Here are some mom-tested, pediatrician approved tips and tricks to get you through your kiddo’s next nasty cold, naturally.

1. Prop them Up: Keeping a child sitting up may seem counter intuitive to soothing them to sleep, but angling your little one up with pillows at about a 45-degree angle can aid with nose drainage. Nasal symptoms are usually worsened by lying down, where post-nasal drip can run down the back of the throat or pool in the sinuses. Ditch the irritating cough or stuffy nose by propping up your child with pillows or even stacking books under the head of their mattress. If you can coax them to sleep in this position, it will keep them breathing easy throughout the night.

2. Honey for Your Honey: If you can’t give your little one medicine, what can be done? Honey may be the answer. This ages-old remedy has been scientifically proven to reduce cough frequency and severity. Two teaspoons about half an hour before bedtime can make everyone’s night more restful. However, do not give honey to babies under twelve months, as there is a risk for infant botulism, a rare but potentially deadly illness. Alternatively, you can also try agave syrup instead.

3. Saline and Steam: There’s a reason that a hot bath can cure what ails you. Breathing in steam can loosen up a stuffy nose and provide relief for irritated nasal passages. You can always run your child a warm (but not too hot) bath and trap steam in the bathroom by closing the door and keeping the exhaust fan off. A humidifier is a great investment and can seriously improve stuffy nights for you and the kiddos. Another safe option is saline nose spray. Gently tilt your child’s head back and deliver one or two sprays per nostril. Wait a couple of minutes, then use the nasal aspirator (or better yet, the snot sucker,) or have your child blow their nose gently.

 

4. Heat for Healing: Electric blankets and heating pads simply aren’t safe for child use. Yet, a heating pad can provide sweet relief for a kiddo suffering from body aches. Create your own heating pad with a sock (made of natural fibers) with rice inside. You can warm it up in the microwave to a safe temperature, and the rice retains heat for quite awhile. For extra soothing, add essential oils such as lavender or peppermint to aid with congestion issues.

 

5. Feed a Fever  and a Cold: While some age old adages are filled with wisdom, others are not so smart. The old expression “feed a fever, starve a cold” does more harm than good. Your child needs as many nutritious calories as she can get, especially if she’s under the weather, the chicken soup it really does help alleviate symptoms. So if your little one is a chicken fan, this is probably one of your best options.

 

6. Fluids, Fluids, Fluids : Another reason to give your sweet one chicken soup is that it contains liquid to keep them hydrated. One of the biggest factors that prolongs and worsens colds is dehydration, and it’s one of the more dangerous side effects of being sick. Keep pushing the fluids by having a sippy cup handy at all times and reminding your child to drink. Another way to sneak fluids in is to offer your child all natural or sugar free fruit Popsicle.

7. Rest and TLC: Parents are often reminded of the importance of routine in a child’s life (sometimes it feels like we’re beaten over the head with it!) However, when your little one is ill, let them set the schedule. Not nap time yet? That’s OK, she needs her rest. Get your cuddles on! Touch has been proven to lessen anxiety and decrease the time needed to recover from injury and illness.
Remember to follow the doctor’s orders regarding medication usage, and to seek medical attention if symptoms persist or get worse. It might be difficult caring for your little one when you feel like you can’t do anything to help without medication, but this list will give you a few things to try.

I hope you found 7 ways to soothe a sick toddler informative. Follow my blog for more useful tips and information about your kids and the parenting stage.

WHY FIRST FRIENDS ARE IMPORTANT

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I don’t want to think about my child alone, and kindergarten’ friendships are more important than you think, especially for boys. Boys with good friendships in kindergarten with lots of sharing, and peaceful relations had fewer behavior problems and better social skills by third grade, according to a study from the University of Illinois.

Since collaboration and teamwork is a big part of learning and education, kids who have trouble adapting are at a disadvantage academically.

Here are some tips on how to try to avoid these problems :

Don’t be afraid to raise the issue with the teacher. Ask the teacher questions about how your child is socializing and interacting with others. Some schools offer social skills programs that your kid can join.

Read and buy books that showcase good friendships, like Frog and Toad Are Friends, by Arnold Lobel. But any book that can serve as a model about friendship and relationship, and mention your child’s friend’s names.

Act on solutions to playground problems: Little kids incline closer to imagined classmates, compliment kind gestures by pointing out the positive emotions for example you can mention them something like “You must feel really proud of yourself that you shared your new ball with Sam.”

Act as the party planner: Organize play dates with your kids’ friend, two or three  members in the group are enough to socialize with their mother also, and at the same time  the kids will get more involve between them out of the school schedule.

How to Deal With Back Talk From Your Kids

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When a child is being verbally disrespectful or as we called it in our home, “emotionally biting” someone, a parent’s defensive wall goes up and she screams right back! Parents who are having loud, ugly words screamed at them would react. The question is, “is there another option?” Yes, there is.

First, let me say that I firmly believe that parents should not be disrespected or have to endure any kind of emotional rudeness, but it does happen. Once it happens a parent feels like there’s only one thing to do to stop it: punish! I want to offer another way, one that not only stops the rude and disrespectful behavior in tracks but also teaches.

Remember when your baby’s cry was her only form of communication? Rude, disrespectful behavior is also a form of communication. Verbal disrespect and rude words are a volatile expression of feelings that haven’t (otherwise) been verbalized. The feelings need to be released or all sorts of things may happen.

When a child is screaming horrible things at you, the first thing you need to be aware of is your desire to scream back, “Don’t you dare talk to me that way!” or “Who do you think you are?” or “You’re g-r-o-u-n-d-e-d!”

I’m not going to lie; it’s hard, and it’s normal to want to retaliate. But screaming and punishing in response doesn’t address or resolve the original feelings that caused your child to be disrespectful. They don’t teach a child how to manage the intense tidal wave he or she is feeling. Punishing her makes her swallows her intense emotions and will only cause those same feelings to erupt again in a different form.

Parents tend to think children get angry on purpose. Your child doesn’t know how she got so mad. Her anger is a mystery to her. It’s also a cry for help. To a child, being really mad feels scary, like she’s out of control and her feelings have a life of their own. When you say, “Stop it now,” she thinks, OK, but how do I hold this tidal wave of feelings back? Please show me, don’t punish me.

Parents need to accept that intense feelings are part of growing up. You are their safe place; you need to teach your child how to deal with volatile feelings by doing it yourself. How? Could be by showing her something other than reacting, and screaming at her?

Imagine for a moment that a parent and a child are standing opposite each other. Stretched between them is a rope. As the child yells, she pulls on the rope and let’s go. A tidal wave of emotion leaves the child and travels across the rope and hits the parent. Now covered in imaginary emotional goo, the parent pulls on the rope as she yells back. It becomes a tug of war, an emotional war.

In order for a parent to teach a child how to handle a tidal wave of intense emotions, the parent has to disengage and drop the rope, thereby stopping the tug of war, before any talking or resolution can begin. This is the crucial turning point. You’ve stopped things from continuing to escalate, and have turned things toward resolution.

Your child will try to get you to reengage. She’ll scream mean words at you and she’ll be rude. Stay silent. Do not reengage; do not pick up the rope! As soon as your child realizes that you’re not reengaging, she will also realize she was out of line. Now is the moment for action.

You might say, “When you get this upset, you need to calm down first, hit something, and release your anger (through exercise, or whatever the rule is in your house) before talking to me.” Once your child has released the anger, invite her to talk: “Now please begin with an apology and let’s talk about your feelings calmly.”

By dropping the rope and stopping the emotional tug of war, you’re able to get to the crucial turning point and turn things toward resolution instead of keeping the “war” going by yelling and punishment.

I hope your found this article informative, I obtained this information from PopSugar.com I truly believe that our children are our reflection. If you are interested in more informative and educative, or just tips in your parenting life follow my blog.

 

 

A Little Reflection To A Full Time Working Mother

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Dear all of us,

I see you there same as myself everyday. We are the ones arriving to work 30 seconds before the time to not be considered late, we have been up since early in the morning to get dressed, served breakfast, and dropped off at a school our children on the way to the office.  Sometimes your pants are a little wrinkled or you makeup is not fully complete.

We are anxiously checking our cellphone during the day to see the camera at their school (in my case) since my son is 2-years old and this little one has been sick for four consecutive days.  We pray that daycare won’t call us to pick them up because we have no more sick days specially starting the year in January, to use them all, and we are in panic to ask our boss to leave early one more time.  Someone asks us to go out to lunch, but we passed because we have to go to buy some groceries, milk, diapers or something else needed at home.

When others are staying at work to get ahead for tomorrow, we are rushing out the door to pick up our kids because after a specific time the school charge you $1.00 per an extra minute and we have already been away from our children already more than 9 hours.  We can’t wait to have them back in our arms even knowing that they drive us crazy most of the times.  We feel like everyone else is doing better at their job than us.  When we are at work we feel guilty that we aren’t with our kids. If we had to evaluate ourselves, we’d say that we are an okay Mom and an acceptable employee, definitely not an exceptional mother for your point of view.

I can’t forget to mention the hurry after I pick up my child from school to get home and attempt to cook something healthy, sometimes not that healthy but I refuse to stop on drive thrus, probably my options are not healthy for some but healthier than others, I don’t compare; I just try to do the best I can for my son and family.

Your stay- at- home mom friends often wish they could work outside their home or just have a little adult conversation…We most of the time feel a little bit jealous of them, and we worry that our kids are missing out on having a close group of friends to play with.

I also see that we have a way of calm that many others do not. Just mentioning that most of the time things start to go wrong at work and I am the last one to overreact.  It’s obvious that this disaster is a small dimension compared to raising kids under the age of five.  I see the kindness in our eyes when a teammate is complaining up about a mistake made and that is nothing anymore for me. Others wonder about my tolerant, patience, and forgiving attitude comparing on how I was when I was not having kids. Nothing stresses me more at work anymore than working full- time and raising my son.

Working does not make us less of a mom.  Being a mom doesn’t make us a fragile employee.  If we are working because our family depends on it financially, I congratulate us and congratulate myself, we need to be proud of what we are achieving.

Sincerely,

Mom of a toddler

Understanding your children‘s emotions

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Emotions are part of the humans inside, understand them is needed to live in harmony around people and with ourselves. It Is necessary to understand your emotions and live in peace with them, we need to understand as well the peoples’ and recognize the consequences of fight them down.

Do not put down your children’s emotions, the consequences could be negative on their behaviors. In this post, I would like to share with you some of the consequences and thoughts on how to put down your children’s emotions can affect them seriously.

  • Feeling emotions is not sometime negative in our life’s; putting down or ignore your child’s emotions would let them think that is showing a negative feeling.
  • They will learn not to cry and show his emotions in a different way like anger and fury, as an effect they can develop mental problems in the future.
  • They will feel confuse once they want to cry and won’t know what to do when they are feeling sad and will hide to cry thinking there is something bad as the illusion that only fragile and weak people cry.
  • Kid will grow up without emotional intelligence and will disconnect from their heart developing health problems.
  • The lack of creativeness and connection with their emotions won’t let them be real and won’t show their authenticity showing their real personality.
  • They will develop immature personality having difficulties to understand others individuals in their environments.
  • They will be able to blame other people on the way they feels, instead to find a solution on how they feel.
  • Once they experience a difficult situation like the lost of a family member for example, they will have more chances to commit suicidal acts.
  • Kid will feel useless and won’t have their self steam strong and define, since they are not having the emotional support from their parents or guardians.
  • As adults they will feel some time of bitterness and resentment about their life because they did not learn how to express their emotions.
  • In school they could face mistreatment and neglecting, especially when they are little, and in the job place as adults because they would not know how to express emotions.
  • They could develop some addictions as drinking, drugs, smoking and all type of addictions since he will feel empty inside

As a parents we need to take the time to understand our children since they are born, and also on all the phases on their lives. They need us to understand the way they are feeling inside.

Children needs to understand their emotions , we need to let them laugh, cry, and get angry; they need to understand that emotions are normal; with time they will understand the meaning of each emotion to find the solutions and feel better as individuals.

8 Baby Registry Mistakes to Avoid

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This weekend I spent some time with my mother and we stopped for lunch and at a place where there was a baby shower for a future mom. Immediately came to my mind when I was preparing my registry for my own and I remember some many items that were unnecessary…I am going to share the most common baby registry mistakes that we can avoid.

Don’t insist on everything new. If you have friends who are eager to give you some items, take them. Friends, relatives, and online groups often offer clothing they are happy to remove from their closets. Your baby is new but it doesn’t mean that everything has to be brand new.

Don’t go overstock. You see five packs of newborn bibs and you just put a ton on your list, or you registered for something like 20 white newborn onesies.

Don’t just register for infant items. Babies grow fast and you don’t need so many clothes in newborn or 0-3 months sizes. Make sure you get in some pajamas and clothes for everyday use in bigger sizes, also look for items that will grow with your child, for example the high chair that will convert into a booster seat or bottles with the adaptable sippy accessory.

Don’t register for items that you think maybe you might need. Bottle warmers; wipe warmers, and pacifier holders. More than likely you will never use these things. Based on my experience the most useless is the wipe and bottle warmer. It dries out the wipes and you will go through wipes quicker, a plastic wipes container comes in practically every box of wipes that is sometimes I experienced for myself.

Don’t register for expensive items. Hoping someone is going to buy you your crib or the furniture for your child’s room? Purchase the crib, the mattress, the car seat, and stroller in that way you won’t depend on someone purchasing it. You should absolutely register for less pricey essentials: diapers, formula, and the noose FridaBaby Nasal Aspirator you absolutely would need it.

Don’t register for a breast pump. This does not mean that you shouldn’t buy a breast pump. But you probably don’t need to register for one because of the Affordable Breast Act that offer free breast pumps for all mothers.

Don’t register for exclusive colors. I opted for neutral tones a tan high chair, red stroller, and black car seat, you can found out that later on you are having a boy or girl and it would be a relive knowing your would have the most important items.

Don’t get obsessed for the latest and greatest. Don’t neglect the products that may be more essential and practical such bottles, burp clothes, and diapers ( lots of diapers) Keep in mind that moms have been raising babies for millennial without the help of ultraviolet night baby monitors to mention some of them.

The latest and greatest thing that your baby will love more than anything else is not even on your registry, and it’s you.

This post contains a product that your cost will be the same but My Ten Tiny Toes will automatically receive a small commission if you purchase it through an affiliate link.

5 Biggest Financial Mistakes That Young Parents make

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Raising a young child involves so many daily challenges that it’s likely you have little free time to think about your financial future, but failing to do so can cost you and your family big-time. These five young-parent mistakes are the most crucial ones to address ASAP.

  1. Living without a safety net.

Do you have enough cash tucked away to pay bills and cover your living expenses if you or your spouse lose your job? If not, make it your top financial goal to open a savings account and transfer a minimum of $25 every paycheck (and more if possible) via direct deposit, says Jane Nowak, a financial planner in Smyrna, Georgia. She recommends building a cushion of at least three months, and six months or more if only one parent works. That should buy you time while you look for a new job or help if you have an unexpected home repair or a medical crisis.

  1. Ignoring your retirement

Too many parents squirrel away money for college while ignoring retirement planning. Do the opposite. “You can borrow money for your kid’s tuition, but not for your retirement,” says Kelly L. Higgins, founder of Lautus Wealth Advisory, in Troy, Michigan. She suggests allocating funds from each paycheck toward your golden years. If you have the option, choose a 401(k) account, since many employers will match a portion of your contribution. If not, pick a Roth IRA (the investment earnings are tax-free after age 591/2) or a traditional IRA (eligible contributions may be deductible, and the money isn’t taxed until you withdraw it).

  1. Opening a savings account in your child’s name

When Grandma writes you a check for your child’s future education, it’s tempting to open a custodial savings account on your kid’s behalf. Here’s why you shouldn’t: You can’t access the money if you need it, the account’s earnings are taxable, and the balance will count against your financial-aid eligibility, says Gregory Meyer, community-relations manager at Meriwest Credit Union, in San Jose, California. Instead, put the money in a 529 college-savings plan. The money grows tax-free as long as you use it toward eligible college expenses. Plus, some states offer an up-front tax deduction.

  1. Overlooking eligible tax savings

You probably know about the personal exemption of $3,950 per child but might miss out on some less-obvious breaks. These include the child tax credit (up to $1,000, depending on your income), child and dependent-care credit (which covers up to 35 percent of the cost of day care, pre-K, and day camp) adoption  tax credit (up to $13,190 to cover fees, court costs, and travel expenses), and tuition for special-needs students (the tuition and other reimbursed medical expenses must exceed 10 percent of your adjusted gross income), notes Jeff Schnepper, author of How to Pay Zero Taxes 2014. To check out your family’s eligibility for these, go to irs.gov/Credits-&-Deductions.

  1. Taking a pass on a health-care flexible spending account (FSA)

Most large companies let you set aside pretax dollars to use toward out-of-pocket medical expenses. Yet only one in five employees take advantage, in part because they’re spooked by the “use it or lose it” nature of most FSAs, says Nevin Adams, director of the American Savings Education Council. His solution: Add up your prescription, vision, doctor, and dental expenses from the previous 12 months, then allocate that amount (up to the annual FSA maximum of $2,500 per year) at open enrollment. This simple move could save you 20 to 50 percent on eligible health and medical services. And if you’re in a high-deductible medical plan, a Health Savings Account (HSA) is even better: You can contribute up to $6,550 tax-free and invest the funds (which carry over indefinitely) if you don’t need them right away.

I obtained some information in Parents and found these actually informative for most of new and actual parents that sometime make those common mistakes and we don’t know how to avoid an immediate financial crisis.