A Financial Education Event
     

Give to our Heroes and Heroes at Home This Holiday

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What does Giving Tuesday do for our Heroes? Here’s a recap of our last tour season.

Heroes at Home completed their 26th event on 17 bases in 4 countries when they blew into Pensacola Naval Air Station like a storm—actually, the Tropical Storm Gordon. The Heroes at Home speaker team barely made it to Florida ahead of cancelled
flights and delays to stay at Pensacola Naval Air Station and provide free financial education to the Airmen, Sailors and Marines stationed at that base. The morning of this free event, the base was closed, due to the storm to “all non-essential personnel.” But since financial readiness equals military readiness, the Heroes at Home event was deemed an essential event and it’s speakers were given Distinguished Visitor status.

In the military, a service member must maintain financial health or they could lose their security clearance. If a military member has excessive debt or other money issues, they could be a target for compromised security and they are kindly asked to leave the military since they cannot hold their security clearance. This is one of the many reasons financial education is so very important to our young military members.

Our audience consisted primarily of Airmen who were going through Combat Systems Officer Training, to become Electronic Warfare Officers and Navigators. Since flying was cancelled, we had almost all the students present from the CSO course and they were enthusiastic and engaged with the program. The audience was almost all servicemembers in uniform and they primarily ranged in age from 23-25. They seemed eager to begin their military careers financially healthy.  They were released to come to our program during the duty day because of the importance given to financial education by the Command. They left excited and with autographed copies of 200 books for the 200 servicemembers present. Many expressed gratitude for our sponsors and our speaking team who weathered a near hurricane to provide this essential education.

Our four top level speakers trained the audience in budgeting, how to purchase a vehicle without excessive debt, how to plan for retirement, how to build savings, and other special financial programs only available to military audiences.

Thanks to donors like you, this program was executed flawlessly, and was the 26thand final event at 17 bases in 4 countries. This was also the conclusion of a very successful 2017-2018 Heroes at Home world tour.

Later that night, we were staying on base when the storm gained force, the entire base population lost power and we were in the dark for many hours. But once the lights came on at 1:30 AM, we were back on track to get home that day.  We could see how valuable our time had been at Pensacola. Many thanks to donors like you for helping to sponsor this event and for making a difference in the lives of our young servicemembers.

Many Easy Ways to Contribute

  • Amazon Smile – Sign up to support Heroes at Home, 501(c)(3) at amazon smile. From that point on, every time you shop at amazon, year round, just click on the amazon smile link and our Heroes benefit. Don’t worry, we won’t see how much you purchase, so we won’t spoil any holiday secrets!
  • Giving Tuesday on Facebook – On Tuesday, December 3, Facebook will match your donations, so please donate today!
  • Heroes Come First – If you are military, veteran, first responder, medical professional, educator or clergy, then you qualify for up to $2000+ in a cash back check when you buy, sell or refi. Plus, Heroes at Home benefits when you use our link.

For more information on Heroes at Home or to make a donation, go to www.heroesathome.org

The Science of Laughter

Next week, I have the privilege of keynoting at the AFCPE symposium and I’ll present The Science of Laughter. This is a topic near to my heart because it’s the way I’ve lived my life.

When I married my husband, I got a three for one deal: I married the World’s Greatest Fighter Pilot and I also inherited two young stepdaughters. Then my groom said, “let’s join the active duty Air Force and we can see the world.” But what he really showed me was five more children in seven years for a total of seven children. Then we took the show on the road and moved eleven times in thirteen years. I learned, very quickly, that I needed to learn to look at life in a funny way or end up on the funny farm.

I chose laughter.

I chose joy.

And my life has been better for it.

It has been said that “Laughter is Good Medicine,” but why is that actually true? There are a number of ways that laughter benefits the health and wealth of the communities we serve. These benefits exist on a number of levels.

 

The Physical Benefits of Laughter – Research from a variety of sources, including UCLA’s famous RxLaughter program explains what happens to someone physically when they laugh.  It has a measurable benefit for an individual’s blood pressure and stress levels, it decreases heart disease, and improves overall physical health. In fact, Lee Berk, an associate professor at Loma Linda University, asserts that “Laughter appears to cause all the reciprocal, or opposite effects of stress.”  The amazing result is that when we laugh more, we stress less.

 

The Social Benefits of Laughter Robert R. Provide, a behavioral neuroscientist from the University of Maryland indicates that laughter is a social behavior. His studies testify that humor is contagious & can spread to an audience, it’s actually a form of communication. Sara Algoe, an associate professor of social psychology at the University of North Carolina at Chapel Hill has said, “We think laughter can draw us closer together to other people and grease the wheels for better social interaction”

There is also a specific science behind jokes, anecdotes and one-liners. When you build these into your work and presentations, everyone receives a quick, mental vacation.

 

The Financial Benefits of Laughter – You may have heard the classic premise of “laughing all the way to the bank,” but it is actually true in some ways.  The quantitative data & my own personal experience proves how incorporating laughter into speaking events, financial education & contract negotiations improve an entrepreneur’s bottom line. Humor also helps teams maximize efficiency, effectiveness and it facilitates employee retention.

I was once working a contract to gain funding for Heroes at Home, my non-profit dedicated to providing free financial education to young military members. I was making very little headway with lead decision maker and it looked like we were going to end in a “no deal” situation. We decided to table the discussion until the end of our lunch together. I took the time to share humorous anecdotes about my biggest gaffes in my work with these service members and also shared some lighthearted stories that made the table begin to laugh. And I shared more and they laughed more. You’ve probably guessed the end of this story—we got our funding and more. I didn’t share the stories to get the contract, I shared them to lighten the environment. In the end, everyone was happier, and my military audiences were the ones who gained the most.

Take Away/Application to the Field

There is a very specific take away to the Science of Laughter and the way it applies to the entrepreneurs, the field of financial education and AFC® practitioners. I’ve seen these results in some of the 2000 financial education presentations that I’ve made to hundreds of thousands of participants and I’ve been gratified by the results. Using laughter helps in many unexpected ways such as information retention, better health and as a way to grow your business.

 

Information Retention – Humor helps the AFC®’s clients learn more in financial education sessions, whether it’s one-on-one or in front of 5,000 people. By including very specific humorous examples & conducting exercises that are effective but are also workplace appropriate, we can help our clients and audiences retain more information. One of my guiding principles is: when in doubt about a joke, always err on the side of propriety. I’m not willing to lose an audience member in the name of humor if it could alienate them in the process. But sharing a lighthearted quote or story can give the mind a break and then allow my audience to reengage in order to learn more.

 

Greater Health – Incorporating humor into your work life not only helps others, it helps the entrepreneur as well. If you are presenting at a workshop, a keynote or even in your own Toastmasters group, your audiences can experience this real time with some simple, short exercises that they can do during the session you present. One such exercise is to have them imagine what they would look like if they were shocked with an electrical shock, then turn to the person next to them, and without a word–imitate that look. It’s almost impossible NOT to laugh.

Another example of seeing this in action was when I was at FinCon19 and one of the keynote speakers quoted Mayo Angelou’s famous quote, “’I’ve learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel.”

Bethany Bayless, the wildly funny FinCon emcee, applauded the speaker and then said to the audience, “Now turn to the person sitting next to you, put your hand on their arm and say, ‘I will always remember how you feel.’” It took a moment for them to understand the humorous twist. But it was such an in-the-moment and funny turn on the quote that the audience kept laughing, in waves, for a full 3 minutes.” They needed the mental break from the heavy content they just heard from the keynote and this humorous exercise was just what the doctor ordered.

Grow Your Practice and your Business – Incorporating humor improves audience feedback and can lead to more opportunities for the practitioner. It’s one of the reasons we use liberal doses of humor in our podcast, The Money Millhouse. Whether it is word of mouth amongst individual clients, a greater social following or a demand for these skills in front of larger audiences, anyone can grow a practice or a business by adding the tool of laughter to their toolkit.

Service Academies and Military Funded Education

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 I recently spoke at Congresswoman Katie Hill’s (25th Congressional District) Military Academy night.  The audience members were parents and students in high school.   These federal academies are highly competitive and look at the whole person. So it’s not enough to be a brainianc (super smart), they are also looking for students who are exceptional in the area of athletics, community involvement and leadership.  In return for this amazing education valued at $450,000, your student will be required to serve in the military for their “commitment” period. The commitment is a minimum of 5 years of service and can be longer, depending on a number of factors in regards to additional training after graduation.  If you have a “hero at home” who wants to go to a service academy, there are several things to keep in mind.


One of the first places to visit is your service academy’s admissions site:

USAFA – The United States Air Force Academy

USNA – The United States Naval Academy
USMA — The United States Military Academy

USMMA  The Merchant Marine Academy

USCGA    Coast Guard Academy (does not require a congressional nomination)

From Prospect to Appointee:  

  • Prospect: A student who has filled out the initial response form showing interest. This means they are essentially on an admissions mailing list. You can fill this out as early as middle school by going to the academy’s website.
  • Applicant: The individual has filled out a pre-candidate questionnaire and provided initial info on PSAT/SAT/ACT scores, grades and extra-curricular activities. This is usually done NO LATER than the spring of their junior year. This is also the time to contact your congressman and senator in regards to a nomination. In addition, if the student’s parent is qualified for a Presidential nomination, (see nominations and appointments below) then the student can contact the academy directly to pursue this nomination as well.
  • Candidate: To move from applicant to candidate indicates that you have cleared your first competitive hurdle. This step is decided by the Academies admissions staff in the early summer of a student’s Senior year. Not all students will get to this point, but this is when they will be interviewed by the Academy Liaison Officer (or the equivalent). It is from this list that appointments will be offered as early as the fall. For example, one of our sons was offered an USNA appointment by October.
  • Appointee: This means that the candidate has been offered an appointment into the Academy. They can choose to accept it or turn it down, but it means they have not only received an official nomination, but they have also been approved by the Academy’s admissions board and offered an actual appointment.

The Essay

It’s never too early to begin to think about what you would like to write in your admissions application essay. These are very important and should be well thought out before submitting. Be sure to have you liaison officer review it before you submit it or ask an academy graduate to help. It also wouldn’t hurt to have a faculty member from your school review it as well. More eyes on the project can mean a broader perspective, but it still needs to be your own voice, so you will have the final word on the essay.

Memorial Day and #HonorThroughAction

Gold Star Family

Being part of a gold star family is like being part of an honored and exclusive club—but one that no one wants to join. The gold star indicates that a member of that family died while serving their country. We are a three-star blue star family, which means that we currently have three family members serving with sons in the Marines, Air Force and Army. We’ve weathered deployments to Afghanistan and Iraq—praying our way through each day they were there. We never want to add another gold star to our family.

Yes, our family is a gold star family because of my Grandfather, SSGT Walter Rawleigh, a bombardier on a B-24. He was on his 47thmission in Madang, Papua New Guinea. Fully gassed and loaded with bombs, the “Cisco Kid II” had an engine malfunction on take-off and crashed into an encampment of Seabees having breakfast. Ten members of the crew and 165 Seabees suddenly died that day. Obviously, I never knew my grandfather and my dad was a young child when his father perished. I know that my father, Chief Master Sgt Rodger Rawleigh, USAF (Ret) was inspired to serve because of the fact his dad never came back from war.

 

Memorial Day

Memorial Day is about gold star families and should not be confused with Veteran’s Day. The latter is a day which honors all who have served in the United States military. A memorial is a remembrance of those who paid the ultimate sacrifice. It’s not a day to say, “Happy Memorial Day,” even though many Americans have a day off. Many will use that time to picnic and enjoy their families and friends. In fact, the original tradition of this day was to eat a picnic while sitting on the grounds of a cemetery.

This national holiday was first recognized by Congress in 1971 and before that time it was known as Decoration Day, which originated shortly after the Civil war. Besides my Grandfather’s tragic accident, 645,000 Americans have given their lives in defense of our freedoms. What can we do to appropriately honor those who died? I’m glad you asked.

 

The Poppy

 Honoring our fallen with a poppy is a tradition that was inspired by the poem crafted in 1915
entitled, “In Flanders Fields.” It was written by Lt. Col John McCrae after he lost a friend during WWI.  McCrae’s poem inspired Moina Michael, an American professor and volunteer for the American YWCA, to write a response poem, “We Shall Keep the Faith,” vowing to wear a red poppy as a symbol of remembrance.

Michaels campaigned to have the red poppy adopted as a national symbol of remembrance and, with help from Anna Guerin and the 1920 National American Legion Conference, the poppy became the official symbol of remembrance.

But it’s not limited to our country, the poppy is used as a symbol of remembrance all over the world. Along with the American Legion, we encourage people to wear or display a poppy on this weekend to remember those who lost their lives in battle.

 

Virtual Poppy Field

I invite everyone to join the conversation online using #honorthroughaction and share your story. What does Memorial Day mean to you? Who are you honoring? You can visit www.poppyinmemory.com to dedicate a digital poppy to a fallen hero or as a gesture of appreciation for those who have sacrificed all. It only takes minutes to participate and I want to thank USAAwho are sponsoring this initiative and for all their help in Heroes at Home.

Honor the fallen today.

5 Do’s and Don’ts For a Smooth Transition to College or A Service Academy

When my daughter, Bethany was 4 years old, we called her “Bunny” because she hopped from heart to heart. She loved to play with her little girlfriends and one afternoon she spent the entire afternoon with Amanda. She was a little girl who felt life deeply and could go from being on top of the world to the depths of despair in nanoseconds.

When I picked her up from her friend’s she bounced to the car and chatted all the way home. We walked in the door and I asked her how Amanda’s older sister was doing. Suddenly, she began to sob, uncontrollably.

“What’s wrong, Bunny?” I handed her a Kleenex.

“I don’t want to leave you, Mama!” she wailed.

“Why would you think you have to leave?” I was really confused.

She looked at me through her tears, “To go to COLLEGE.”

Apparently Amanda’s older sister was preparing to move to go to college and Bethany couldn’t imagine a day when she would have to leave her Papa and myself to go to school. The good news is that fourteen years later, she was a little bit more prepared when she moved from California to Chicago to go to college. She got a B.A. in Communications, with an emphasis in Electronic Media and was in her element.

Today, Bethany and I host The Money Millhousepodcast and still get just as emotional, on occasion, while putting her college degree to good use. We made a point of preparing Bunny and all the Kay kids for college, long before they went to Freshman orientation. Three of the Kay kids went to service academies, which meant they only had less than a month at home after high school graduation.

Whether you are prepping kids to go to a civilian university or whether they are going a service academy like three of our sons (USMA, USAFA, USNA) here’s some “homework” in the form of five do’s and don’ts to make a smooth move.   

  1. Don’t – Fill up free time with friends at the expense of family. 
  • Friends come and go but family is forever.
  • Only a small percentage of your friends from high school will still be your BFFs throughout college. Less than 2% of boyfriend/girlfriend relationships will last until

    college graduation.

          Do – Tell your mama (and papa) that you love them early and often.

  • Mend fences and build bridges with family members.
  • Expect there to be some pre-separation anxiety on both sides (parents and kids) so give each other a lot of grace.
  • Students, please understand that this is hard on your parents, especially if you are moving away to go to school.
  • Parents, understand that this is hard on your kid because they are about to go do something they’ve never done before. For those going to service academies, it’s going to be big and scary and you won’t be there.
  • Students, take the time to thank your parents, grandparents, friends, educators and coaches.
  1. Don’t – Take a break from physical fitness, especially if attending a Service Academy.
  • My husband, Bob, and our son, Jonathan, went to The Air Force Academy and they used to say that “The Air Force Academy is at an altitude of 7258 feet—far far above Annapolis or West Point.” That’s why physical fitness was important.
  • If you’re going to a service academy, you’re going to take a Physical Fitness Test as soon as you get there.
  • Engage in risky behavior, now is not the time to push the limits legally or physically. Don’t take up space jumping or quad racing because a broken limb could cost an appointee their service academy appointment.

          Do – Continue to workout and make wise choices.

  • Physical fitness is a healthy way to cope with pressure in college.
  • Even if you go on a family vacation or have a lot of things to do.
  • For service academy appointees, run 3 miles 3-4 times a week and then do 50 pushups and 50 sit ups every day.
  1. Don’t – Make this all about you.
  • Parents, don’t create drama before they go or after they’ve gone.
  • Moms, don’t sob and cry and tell them you don’t’ know how you’re going to survive without them. Shedding a few tears is OK, but doing what Oprah calls “the ugly cry” isn’t all right.
  • Parental, sibling or significant other drama is a distraction to the service academy appointee going through basic cadet training or “beast.” Distractions can lead to accidents and accidents can lead to a turn back (meaning they have to go home.)
  • Don’t post a bunch of “poor me-isms” on social media

          Do – Keep it positive. 

  • Right now, service academy portals will have a mailing address for the student. Give this address to friends and family and with your network because cards and letters mean everything during basic training. “Basics” aren’t allowed access to computers, phones or social media.
  • Do send simple cards and letters – no perfume on the cards, no kissy marks on the envelopes, no care packages during beast, and no food. After beast is over, you can send these.
  • Do tell your student funny stories about a younger sibling or the dog.
  • Do send pictures of the dog or pet.
  • Do keep it light and not heavy.Students, do make your social media channels private or have them go dormant.
  • Do clean up these channels because you never know what the cadre will get ahold of and you don’t want to embarrass yourself or become a targ
  1. Don’t –Be Han Solo – you don’t have to do this alone.
  • My husband’s advice to our sons for basic cadet training was. “Keep your mouth shut and help your classmates.”
  • Don’t stand out as the first, the most knowledgeable or the best or worst
  • For parents, don’t go this journey alone, join a parents club or booster club.
  • Remember, parents, sometimes you don’t know what you don’t know.

          Do – Be a team player.

  • Look for ways you can help others get through Beast.
  • The friendships you make in BCT and college will last a lifetime. My husband, Bob and I just had dinner with a classmate of USAFA class of l978.
  • Do take advantage of the sponsor family program, a program that allows local families to “adopt” a cadet or midshipman.Some of these friendships may become like a second family—or at least get you to the airport.
  • Parents, do join a parents clubfor your respective service academy. Your civilian friends don’t get it, other service academy parents do understand the unique situation your family faces.
  1. Don’t – Ever forget the “why” of what this education and your career means.
  • Service Academy Appointees are choosing something hard, something their civilian friends will never understand, but there’s a big “why.” They want to serve their country as officers.
  • During BCT and during your 4 years there, you’ll have to sometimes take life a meal at a time, a day at a time.
  • Parents, don’t forget that being a good parent means you let them fly and you support their choice to serve. You don’t have to like it or feel good about what those choices may include.
  • Parents, DON’T borrow tomorrow’s trouble. While they are there, they are safe, they are not deployed, they are not in harm’s way. Today has enough challenges of its own without borrowing on tomorrow. As long as they are in training, they aren’t in combat. If and when that day happens, you’ll have the strength you need to cope. We know this, having had one son serve in a combat zone in both Afghanistan and Iraq.
  • Appointees, remember your goals in getting through BCT and the academy—to fly, to serve, to go into cyber security or intel, or missles or space. Your goal is much bigger than BCT and that’s why you’ll get through.

Do –  Remember the Legacy

  • You are part of a long line of military service.
  • Think about the parents, siblings, grandparents, aunts or uncles who have ever served. You are part of that legacy.
  • Your legacy keeps American free.
  • Putting on a uniform doesn’t make someone a hero, but those who put on that uniform and serve with integrity first, service before self and excellence in all they do—that’s pretty heroic.
  • There’s another kind of hero as well, the Heroes at Homeand those are the parents, siblings, grandparents and family members of those who serve. America thanks you as well. 

“It starts and ends with character, and it’s a journey, not a destination. Leadership is a gift, and it is given to us by those who follow.”

General David Goldfein

Air Force Chief of Staff

 

 

Heroes at Home Tours Europe

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  1. As part of the “Heroes at Home Financial Event” 2017 world tour, we will visit military members and their families around the world, giving advice and practical tools on how to cope with the military lifestyle and advice on how to manage their money. Heroes at Home is visiting USAFE in Europe as well as AWAG in the next three weeks, thanks to our presenting sponsor, USAA and with help from educational partners such as Experian. You can find our schedule here. Our stops include Ramstein Air Base, Spangdahlem Air Base, Aviano Air Base, Royal Air Base Mildenhall , and Royal Air Base Alconbury

One of the ways we help military families save money overseas is to give them tips to “layer the savings.” Here are the steps to save big online:

1. The first step is to go to MySimon or bing which are shopping robots that will search the internet for your item to find the best deal possible. Then, there’s always amazon as well.

2. Once you’ve found the best deal, the second step is to go to a code site such asRetailMeNot or  coupon cabin  to find the codes you need to save even more. Sometimes these codes are for free shipping, gifts, or discounts.

3. The final step is to get a rebate for your shopping, by going to eBates or SlickDeals. On some of these sites, for example, if you have an account and get your friends to sign up under your account, you can earn $5 per referral. There are hundreds of participating online sites that will give you a rebate off of your purchases and you get a check at the end of each month.

CAUTION: To avoid spam: Be sure you deselect any “offers” you don’t want while signing up for a site. I also recommend that you use unroll.me to manage your subscriptions. They roll all of your emails into one larger email and you can easily deselect or unsubscribe. Bethany Bayless, our emcee has been unsubscribed from 700+ email lists in the last two years using this site. That’s a huge time savings!

Here’s an email from one of our audience members in Europe from one of our previous tours.

Dear Ellie Kay,

I would like to tell you how wonderful it was to have you speak at our meeting at Spangdahlem AB this past week. Your tips were great –I bought a bunch of clothes and with your tips and a $25 gift card I earned from mypoints.com I spent only $14!– and they really do work and are easy to do. Your military topics touched my heart and made me proud of what I am doing here for my husband as well as other military members . Thank you for telling our story to the world and for being an inspiration.Thank you so much!

Sincerely,Christina Aiken

 

Check out our schedule to see if we are coming to a base near you! Or, if you want to support our efforts, you can contribute to the financial education of our military members and their families at our Heroes at Home website.

Give Courage to our Heroes and Heroes at Home on #Giving Tuesday

Courage is one of the main characteristics of the service members that we serve in our free Heroes at Home Financial Event and in our Money Millhouse podcast.

Those who are currently serving volunteered to serve during a time of war and that requires courage. But their families, the Heroes at Home need courage as well. I’ve sent a fighter pilot spouse into harm’s way and now we have three sons who currently serve. Two are infantry officers in the Marines and Army, and the third is a fighter pilot in the Air Force. It was ok when they were at their respective service academies or in training. But it’s a different story when they are deployable.

While it’s hard to send off a spouse, I have to admit that it’s even harder to send a child. I stop breathing for the months they are deployed. Because I know my infantry sons will be involved in air assault missions and facing firefights. They are all home now, but even writing this brings tears to my eyes as I know they will deploy again. I spend a lot of time in prayer for their courage and their safety.

We’ve taken our tour all the way around the world and when we were in Alaska several years ago, I spoke to the spouses of the Army Stryker Brigade, who were deployed. Their military members had suddenly been extended from a year to 15 months. It became a debacle because 1/2 of the troops came home and were immediately redeployed, while the other half stayed in harm’s way.

I was called, on an emergency basis, to talk to these spouses and as a veteran spouse and mom of family who has deployed into harm’s way in Afghanistan and Iraq, I spoke from experience. The President sent the Secretary of State to speak to these spouses and he spoke in the afternoon while I spoke in the morning.

I didn’t mix words as I told them that when their military member is deployed into the theater, they have one role and that is to tell their spouse , “I love you, I’m proud of you and I will be all right.’” This is NOT the time to vent on them, tell them about troubles, or say negative things. Spouses can vent with a trusted friend, a chaplain or even their puppy dog—but it’s important to NOT vent on the military member when they are deployed. The reason is because they are there to do a job. They took an oath to serve our country and do their duty.

If a military member is distracted because of issues at home, then distractions can lead to accidents and accidents can lead to loss of life. So the best thing a Hero at Home can do is be supportive when their military member is deployed.

As these young spouses left the event, they said, “Now I know what I need to do.” We gave them hope that day as well as a plan of action.

Three days after our team left Alaska, I received a phone call from the Alaska event organizer. One of the young moms who was in the audience was given notification that her husband would not be coming home, not for Christmas or forever. As she was notified, she said, “I’m so glad that I went to the Heroes at Home event because the last time I spoke to my husband on the phone, I was going to vent on him. I was so mad that the Army had extended them during the holidays. My husband is my best friend, I tell him everything. But instead of venting, I can live with the fact that the last words I ever spoke to him were, “I love you, I am proud you and I’m going to be all right.”

Yes, a Hero at Home is courageous and that is what you are if you are a military family member reading this blog. Thank you for your courage.

For the rest of us, how can you help bring courage to a Hero at Home?

One way is to donate to what we are doing, so that we can continue to give these brave men and women in uniform this very important message from America,

We love you, we are so proud of you and together, we will be all right.” 

Ellie Kay

The Money Millhouse – Podcast Extraordinaire

Live, from Ellie’s kitchen table… it’s The Money Millhouse!

WELCOME TO THE FINANCIAL SHOW ANYONE CAN LISTEN TO!

The conversation gets lively and somewhat ridiculous when Ellie and Bethany share a cup of coffee (or four) over Ellie’s kitchen table. They not only have fun at The Money Millhouse, their conversations about saving money, couples communication, spend plans, super heroes and more make you feel like you are drinking coffee right along with them. Coffee, friends, money, sometimes random singing… what could be better?

Each week on this little-over-20-minute podcast, a special guest joins Ellie and Bethany at the table to discuss relevant money-related issues. From saving for retirement and credit chats, to home-based business tips and maybe a thing or two about what Star Wars has to do with coffee, there is always something to talk about.

The Money Millhouse will teach you while entertaining you with offbeat humor, geek-speak and money tips you never knew existed. If you can put up with Ellie’s annoying dogs announcing the next guest to come to Ellie’s door for a cup of Joe and a light hearted but important conversation, then you’ll get the maximum return on your time investment.

Come on in to The Money Millhouse, where we brew up money saving tips and tricks for anyone’s lifestyle. You might even learn a few secrets in the Millhouse closet.

The Money Millhouse is a production of Heroes at Home, a non-profit organization that gives financial education to military families around the world. To find out more about Heroes at Home, visit heroesathome.org.

The Money Millhouse Crew:

Ellie Kay is the wife of the “World’s Greatest Fighter Pilot”, mother of 5 children, 3 fur-babies, and best-selling author of fifteen books and a popular media guest on Fox and ABC News, among others. Ellie is the founder of the non-profit “Heroes at Home” and has taken this financial literacy tour around the country and the world for the last decade. Ellie loves roller coasters, ziplining and all kinds of adventure and once took a ride in an F-15 E Strike Eagle, which she said it was less scary than walking into her youngest son’s dorm room. Find Ellie’s personal blog at EllieKay.com.

Bethany Bayless is the wife of Travis, mother of London (goldendoodle puppy), and Director of Communications for Heroes at Home. She holds a Bachelor of Arts in Communications from Moody Bible Institute, Chicago, IL, and has been a social media coordinator for several organizations including two international groups. She is a self-professed geek, aspiring home-cook, and globe-trotter (not the basketball kind). In her spare time, Bethany draws and handletters, throws tennis balls for her puppy, London, and quotes movie lines with her family near and far. Find her blog at wanderlust4less.com.

Avoiding Last Minute Christmas Panic!

 

So….here’s  some of this year’s Kay Christmas photos, that were a part of our annual photo greeting card. This was mailed the day after Thanksgiving. On Black Friday and Cyber Monday of every year, I get all my shopping done so that we can have a simple holiday–no last minute panic, no stress–just a simple life. But a few Christmases ago, I got talked into having “some work” done in our kitchen that was “a three day job.” I remember stressing to my husband that, with all the college kids coming home for the holidays, I didn’t want my house in a mess. But in accordance with Murphy’s law, most of my kids came home to 6 inches of snow on the ground that completely shut down our desert California town. Plus, I had A MESS OF KITCHEN! Workers couldn’t drive in t
he snow.  With no kitchen, there was no holiday baking, no traditional truffles, nothing but a sense of panic that there was too much to do and not enough time.

Whether you’re still shopping for last minute gifts, prepping your cards, cooking for the big meal or cleaning the house, you can avoid the associated expense and stress that comes with last minute panic by becoming proactive and purposeful in the midst of your panic. Here are some tips to attack the anxiety before it attacks you.

 

  • Simplify – It may have been a tough year economically for your family or you may an uncertain financial future. It’s the ideal time to simplify the holidays by taking a deep breath and thinking about what you do have rather than what you don’t have. I believe that each of us has two kinds of attitudes within us: there is a minimalist as well as a materialist in each of us. It’s time to tap into the minimalist and give the materialist less power in your life. Be sure that you are talking this through with your spouse. Dr. Jennifer Degler has some great ideas to manage these conversations when we interviewed her on The Money Millhouse. The holidays are all about friends and family, they’re really not about spending yourself into oblivion or stressing the small stuff.
  • Strategize – Get the free Christmas Radio app and sit down for a strategy session. At the root of most of our last minute anxiety is a basic lack of control. In order to separate emotional panic from the plan, take charge by implementing a specific strategy for these last few days.
    1. Step One: Take ten minutes to write down what you have left to do (gifts, grocery shopping, cards, baking, cleaning, etc). You could use the Christmas List app for $2.99 or just use the notes on your tablet so that you can share this with appropriate family members that may be impacted. Maybe you don’t really have as much to do as you thought and that, in and of itself, will help eliminate stress.
    2. Step Two: Go back over your list and mark the items as optional or mandatory. Do you really have to paint the bathroom before the guests arrive—optional.  Do you really have to change the sheets in the guest room before your mother-in-law arrives—mandatory.  Do you have to bake those three step chocolate truffles or can you get them at the local bakery–optional.
    3. Step Three: Take the optional items and place them on the bottom of the list. If you get to them—fine, if you don’t fine. This takes off TONS of pressure.
  • Stash the Cash – It’s soooo hard to really stay on budget with only days before Christmas. One tried-and-true way our family has been able to stay on a last minute budget is to get the budget remainder in cash and divide it into specially marked envelopes, for example, “food” and “gifts.” When I’m in the grocery store, I take the food budget envelope and it serves as a visual reminder of what I have left. On one hand, it keeps me from splurging on some treats if I’m running out of cash but on the other hand, it can also allow me to splurge (guilt free) on certain products if I realize that I have money leftover!
  • Split the Efforts – This may come as a news flash but… you don’t have to do everything in order for it to get done right! This is not the time to be Miss Polly Perfectionist. In this step, we need to delegate responsibilities. Assign tasks to different family members and cut your work in half. In fact, you could use this time as an opportunity to teach your teens the value of a dollar. Let them go to the store for you and get the items on your list, asking them to find the best deals. If they are not certain, then they can text you the options (what teen doesn’t love to text?) You can text them back some suggestions and in the process they are learning to evaluate a good deal and a bad deal.
  • Separate – It’s highly likely that you’re going to be charging some last minute expenses on your credit cards. But don’t let those purchases hurt your FICO (Fair Isaac Credit Score) by charging more than 30% on any one card. Check your credit card limits as well as your balances online or by phone and then make certain that you charge on the card that is lowest proportionally. Even if you are able to pay off these credit card bills next month, charges of more than 50% of the available limit on any given card can hurt your FICO. So be strategic by separating those purchases and saving your credit score.
  • SAVE – It used to be that Black Friday was just a day, this year it’s an entire season. It’s truly a buyer’s market amongst retailers and there are last minute deals to be had, especially electronics and clothing. But what if you don’t have time to go and battle the crowds at the store? There’s an easier way to give last minute gifts that simplifies your time, saves you money and keeps you on budget.
    1. Gift certificates (online and physical cards) – If you want to send an online gift certificate to someone, it’s as easy as pointing and clicking. They’ll receive notification in their in-box that you’ve bought them a gift certificate and you can follow up with an e-card alerting them that the notification they will receive from the retailer is not spam. For some great options, go to restaurant.com for discounts on eating out or check out potential deals at amazon.com For a review of codes that can give you a better deal, go to RetailMeNot.
    2. Gifts of Time – Some of the most memorable gifts I’ve ever received are gifts of time. One girlfriend gifted me with a certificate good for lunch at my favorite bistro. My kids have given me handmade “coupons” that are good for doing the dishes, cleaning the living room, babysitting a younger sibling or not back talking me for a week (hey, I’m happy for a day). You could write out your own coupon and give the recipient a card that says, “This card entitles you to dinner and a movie” or “This card can be redeemed for a night out on the town while we babysit your teething twins.” This can be FUN!
  • Share – I’m all about multitasking and getting the most out of my efforts as well as my money. Now is the perfect time to give to charity in a way that also benefits you financially with your taxes. This year, given the current economy and the great material needs in communities why not consider giving the “gift” of a donation in someone’s name? Our favorite non profit organization is Heroes at Home which provides free financial education for military members. Currently, 95% of your donations go directly to programs on base.  Look over your list of people and consider making a donation in their name instead of giving them a material gift. You don’t have to tell them the amount of the gift and you can make one donation in the names of several people—thereby giving an amount that allows you stay within your budget. Furthermore, this kind of gift could be tax-deductible and help you (if you itemize) on your taxes as well. It’s a gift that keeps on giving.

Merry Christmas!
Ellie Kay
www.elliekay.com

Coffee Is On Us at The Coolest New Financial Podcast on the Planet!

Live, from Ellie’s kitchen table… it’s The Money Millhouse!

WELCOME TO THE FINANCIAL SHOW ANYONE CAN LISTEN TO!

The conversation gets lively and somewhat ridiculous when Ellie and Bethany share a cup of coffee (or four) over Ellie’s kitchen table. They not only have fun at The Money Millhouse, their conversations about saving money, couples communication, spend plans, super heroes and more make you feel like you are drinking coffee right along with them. Coffee, friends, money, sometimes random singing… what could be better?

Each week on this little-over-20-minute podcast, a special guest joins Ellie and Bethany at the table to discuss relevant money-related issues. From saving for retirement and credit chats, to home-based business tips and maybe a thing or two about what Star Wars has to do with coffee, there is always something to talk about.

The Money Millhouse will teach you while entertaining you with offbeat humor, geek-speak and money tips you never knew existed. If you can put up with Ellie’s annoying dogs announcing the next guest to come to Ellie’s door for a cup of Joe and a light hearted but important conversation, then you’ll get the maximum return on your time investment.

Come on in to The Money Millhouse, where we brew up money saving tips and tricks for anyone’s lifestyle. You might even learn a few secrets in the Millhouse closet.

This week, the show kicks off with a bang when Bethany

and Ellie talk about saving money when it comes to eating healthy including menu planning and tips at the grocery store. Start your menu planning by looking into your pantry and avoid wastage. Danna Demetre joins the conversation talking about the fact that the same principles to save money are the same when it comes to your health as well. Learn about which poisons (that go into your body) to cut out, which sweetener is the best for your body and why disease can be expensive. Also learn why having Mental Health Days (can you say a Disney day?) are important and natural days to de-stress.

The Money Millhouse is a production of Heroes at Home, a non-profit organization that gives financial education to military families around the world. To find out more about Heroes at Home, or to make an end of the year donation, visit heroesathome.org

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