Thursday, September 18, 2014

Walking Down Memory Lane

Tales of Mommyhood, memories, walking down memory lane, old friends

I had a chance to sit down with a longtime friend yesterday.  We went to elementary school together, but became friends in 7th grade (1992). This is the friend that sat next to me on my bed many times, for many hours planning our future.  We would live next to each other, and marry best friends, our children would arrive around the same time so that they could grow up best friends.

Tuesday, September 16, 2014

Saving For Your Child's Future With Heritage Education Funds Inc.

It's Back to School Time! Now is the Time To Start Saving For Your Child’s Future With Heritage Education Funds Inc.

I remember when my oldest started school - it was such an exciting time for him, and very emotional for me. My mom came over, we walked him to the bus stop and watched him get on. It wasn't a super sunny day, but I was wearing sunglasses to make sure he didn't see my tears; I didn't want my emotions to affect how his first day of school started off.

Mr. J's very first day of kindergarten

With back-to-school season almost upon us and my youngest starting kindergarten this fall, I am again met with many mixed emotions: I am happy for this change in his life; I think he is going to LOVE school and having friends to play with every day. However, I am sad that he is growing up. I can only imagine the emotions when my children graduate high school and start post-secondary education.

With that come thoughts about finances and wondering what the cost of college or university is going to be 10 years from now when Mr. J graduates high school. We put money aside every month so that we will hopefully be able to help him with his continued education; we may not be able to cover all of the expenses while he’s in school, but we certainly hope that we will be able to help as much as possible.

There are many ways you can save for your child’s future education — a separate bank account, a shoe box under your bed, or an RESP. The "bonus" with RESPs is that there are certain grants from the government that can add money to the RESP, should you qualify. One of these is the Canada Education Savings Grant (CESG). The CESG equals 20% of the first $2,500 of your annual contributions per beneficiary. If your child is eligible for the CESG, you will receive a maximum of $500 to $600 until your child reaches the age of 17, to a lifetime amount of $7,200. Very handy!

Heritage Education Funds has been helping families save for their children’s post-secondary education since as far back as 1965. They also have representatives nationwide. You can check this link to find someone in your area.

Have you started saving for your kids’ post-secondary education?

Monday, September 15, 2014

September 15th Monday Madness Giveaway Linky

giveaway, linky, monday madness, enter giveaways, list giveaways
We are really starting to hit our school year groove; the kids have adjusted well and are getting used to our new routines.  Mr. K still isn't too happy to be taking the bus without his big brother - hopefully this week will be a little better.  Have a look through the giveaways listed and enter any that catch your eye - good lucki!

Thursday, September 11, 2014

14 Mouth Watering Apple Recipes {round-up}

Apple season is upon us, and my mouth is watering researching great recipes to try out!  Every year our family goes apple picking with another family, and I can't wait to get those apples turned into delicious treats!

Monday, September 8, 2014

MAJESTA e-z Flush Shake Test {giveaway}

Tammy Buchanan is the founder of Small Jobs Plumbing - the very first woman owned and operated plumbing company in Nova Scotia.  One of her top tips is recommending that people use a toilet paper that breaks down quickly in water - helping to keep your toilets clog free.  This is especially important if you have a septic system, or low flush toilets.