Hair care

Latest

Why You Should Commit to the Carry-On and Tips for Making it Easy

Why You Should Commit to the Carry-On and Tips for Making it Easy

The world is divided into two different kinds of people: overpackers and underpackers. If you fall into the first category, don’t turn away yet! Give me a few minutes to try and convince you that there is a better way to travel.

As you might already suspect, I am an underpacker. My measure of a packing fail: Coming home with even one thing in my suitcase that I did not need, use or wear during my trip. I do fail sometimes, but not often anymore.

Here’s how to pack lighter – all lessons I learned the hard way.

Start with an Attitude Change

It helps that I don’t really care how I look. I don’t mean I would travel in ripped or dirty clothes. But I don’t need to be the glammed up center of attention. In fact, when you’re traveling, the more you can blend in, the better. You’re less likely to be targeted by pickpockets and local scammers.

Spend a little time researching what the locals wear and try to pack like that. This is the lesson I learned when I wore my electric blue winter coat to Romania, a former Soviet block country where there were two colors of winter coat: grey and black.

So if you simply must be a fashion plate, try to pare down the clothes to a capsule wardrobe of items you can mix and match and pieces that will do double duty.

Use a Packing List

These printable packing lists will give you a feel for the things you’ll need. If the list includes something you don’t think you’ll need, don’t pack it. If there is something missing, make a note on the printed sheet so you don’t forget it.

Check the Weather Forecast

I make this recommendation because I live in Chicago. We like to say, “If you don’t like the weather, wait 10 minutes.” Here, the calendar might say May, but the thermometer might say March. Or July.

So check the forecast for your destination. It will tell you whether to pack a raincoat, sunhat, shorts, or sweaters.

Start Packing Early

If you have a spare bed, room, couch or some other spot to hold the things you want to pack, start a week early and put everything on the bed that you think you might want on your trip.

Then walk away.

Come back the next day and look it over. Is there anything missing? Is there anything you think you might not need on the trip? Make adjustments accordingly.

Then walk away.

Come back the next day with the intention of making choices. If you have two pairs of pants on the bed, take away one pair. If you have four shirts, take away two. And so on, until you have cut in half the things on the bed.

Then walk away.

The next day, it’s time to pack. Start with the pieces of clothing you absolutely MUST have with you.

If you run out of suitcase before you run out of clothes to pack, you get to make a choice: Leave something else behind or pay $40 or more to check a bag.

Buy Packing Cubes

I resisted buying this travel essential for years. Now I can’t believe I ever traveled without them.

Packing cubes are flexible pouches with a brilliant zipper system. You pack them with the clothes you want to take, and zip them shut. Then – this is the brilliant part – you zip a second zipper to compress the insides flat. (Think of it like your expandable suitcase, when you open that second zipper, it gives you an extra inch or two of suitcase space. When you zip it shut, everything inside is compressed.)

As a bonus, the clothes you lay inside the packing cube are much more likely to stay wrinkle free. I don’t know why. But it’s true.

Stick with One Basic Color

When I head to a Caribbean resort, that color will be white. But most of the time, it’s black – black pants, a black skirt, a black dress. Then I add color in the tops I will wear with the pants and skirt. Finally, I pack a few scarves and funky costume jewelry to dress everything up or down and add more color.

Wear the Heavy Stuff on the Plane

There are plenty of TikTokers and travel hacker influencers who will tell you to wear layers and layers on the plane to save suitcase space. Or to pack a pillowcase with your stuff and pretend it’s a pillow, not a suitcase, so it doesn’t count as a carryon.

While that might be useful info for travelers on uber-budget airlines that charge for anything that doesn’t fit under your seat, you really don’t have to go that crazy. Just use a little common sense.

If, for example, you’re flying from Florida to Colorado, you know you’ll need your winter coat, hat, gloves, hiking boots and heavy jeans. Wear the jeans and hiking boots on the plane, stuff the hat and gloves in the coat pockets and carry the coat on the plane rather than packing it in a suitcase.

I do this anyway because I’m always chilly on a plane. I’m always surprised when I see someone boarding a flight in shorts and flip flops. I would be blue by the time I landed!

Think Layers, Not Bulk

Thin layers are always the right answer, no matter where you are. Even a Caribbean vacation requires preparing for chilly evenings or overly air-conditioned restaurants. Layers are the answer to staying warm and packing light.

Make the Best Use of Your Under-Seat Bag

Finally, remember that you get not one, but two things to carry onto the plane – a bag that goes into the overhead and a smaller bag that fits under the seat in front of you.

Don’t waste the space in that second bag!

My go-to is a roomy backpack because I travel with a lot of electronics – laptop, Kindle, phone, ear buds and all of the cords and accessories they require. But those only take up two zippered compartments. That leaves two more compartments for other things – makeup bag, an extra pair of shoes, etc.

The other thing that works for me is a big striped bag that is super flexible. I can cram a lot into it and still stuff it under the seat. The downside of that is it is heavy to carry, unlike my backpack which easily distributes the weight across my shoulders.

Practice, Practice, Practice

I know. This isn’t easy. Especially if you’ve always been an overpacker. But practice will make perfect. Try it on your next quick weekend trip. That will give you a chance to see how it feels to only pack what you’ll need for 2-3 days, how much you like being able to lift that light carry-on bag and how happy you are not worrying about whether your suitcase will show up at the other end of your flight.

Just remember to pack one more thing: a credit card. That way, if you find you truly can’t live without something for a few days, you can head to the store to buy it.

Let’s Have a Conversation:

Are you an overpacker or an underpacker? What’s your favorite packing hack? Share with us in the comment section below.

Uncategorised

Latest

Taking a Day Off from Yourself

Taking a Day Off from Yourself

There’s a line in a song I wrote recently that stayed with me longer than the music:

“I know it’s my own doing… bein’ where I be… but that don’t make it easier… livin’ inside of me.”

We All Live in Our Own Thoughts

I didn’t write that line as advice. It wasn’t meant to fix anything. It just showed up one day, the way honest things tend to do. And the more I sat with it, the more I realized how much of life can feel like that – being aware of where we are, how we got there, and still not finding any relief in that understanding.

There’s a quiet weight that comes from living inside your own thoughts too long. Not always loud or dramatic. Sometimes it’s just a steady presence – going over the same ground, revisiting the same moments, asking questions that don’t seem to lead anywhere new.

And every now and then, it raises a simple possibility.

What would it feel like to step outside of that, even briefly?

Not in a dramatic, life-changing way. Not by fixing anything. Just… stepping away for a while.

A Different Kind of Day

Maybe it’s getting in the car and driving somewhere with no particular destination. Maybe it’s sitting in a place you don’t usually go. Maybe it’s doing something small and unfamiliar, something that doesn’t carry the usual weight of expectation.

I’ve felt it in small moments like that. Even something as simple as going to a movie in the middle of the day. There’s something about it that feels a little off at first – like you’re stepping outside the normal rhythm of things.

And then the movie ends, and you walk back out into the daylight… and for a second, it doesn’t quite line up. The world is still moving along like it always does, but you’ve been somewhere else for a while.

It’s a strange feeling. Not bad. Just different.

Like you stepped outside of yourself… and then quietly stepped back in.

Stepping Out of Yourself Provides Perspective

There’s something quietly powerful in that. Not because it changes who you are, but because it reminds you that you’re not limited to one way of being in the world. Even if it’s only for a short time.

And maybe the most surprising part isn’t the change itself – it’s the moment afterward. That small recognition that you did something different. That you gave yourself a break from the familiar rhythm of your own thinking.

There’s a kind of dignity in that. Not pride in the usual sense, but a quieter acknowledgment:

I stepped outside of it for a while.

No judgment. No fixing. Just a shift.

Those Moments Make Us Pause

And then something else occurred to me – something I’ve noticed over the years, especially when I’m writing.

Sometimes a line will come to me that feels like it didn’t come from effort at all. It just arrives. And every now and then, I’ll stop and read it back and think, Where did that come from?

That line I shared above – “I know it’s my own doing… bein’ where I be… but that don’t make it easier… livin’ inside of me” – was one of those moments.

It made me pause.

Not to fix anything. Not to judge anything. Just to take a quiet inventory.

Because it didn’t feel like I was saying something about myself. It felt more like something in me was speaking to me.

And what it was saying wasn’t harsh. It wasn’t critical.

It was almost the opposite.

It was a kind of quiet reminder.

Be a little easier on yourself.

Recognizing Where We Currently Are

Writing has a way of doing that. So does any honest form of expression. It has a way of showing us not just what we’ve done, but how we’ve been treating ourselves along the way.

And sometimes, what it reveals isn’t that we’ve made mistake – —that part we usually already know.

It’s how hard we’ve been on ourselves for making them.

There’s a difference between recognizing where we are… and punishing ourselves for it.

And maybe, every now and then, what we really need isn’t correction.

Maybe it’s just a small shift.

A softer voice.

A moment where we step outside of that constant inner conversation… and give ourselves a little room to breathe.

Not forever.

Just for a while.

Because the truth is, we all carry things. We all have places inside ourselves that feel heavier than we’d like. Knowing that doesn’t make it disappear. It doesn’t make it easier.

But it does make it human.

And maybe, every now and then, it’s enough to take a day off from living inside all of it… and just be somewhere else, even for a little while.

Let’s Have a Conversation:

What thoughts constantly occupy your mind? Have you tried stepping out of yourself for a little bit? What does that feel like? Does it bring clarity or something else?

Skin Care

Latest

How to Make Your Own Essential Oil Blend for Mature Skin (Recipe)

A Basic Essential Oil Blend for Everyday Mature Skin Care

With all the wonderful natural facial serums on the market today, it can be a little overwhelming choosing the correct formula with safe, non-toxic ingredients, all at a reasonable price. The good news is that it’s easy and fun to make a quality product on your own using the miracle of nature – essential oils. 

When I started working with skincare formulas in 2003, one of the first products I was excited about making was an essential oil-based facial serum. My skin needs were changing, and a moisturizing oil made perfect sense for dry, maturing skin.

I decided to work with four wonderful healthy aging essential oils I had discovered: Lavender, Frankincense, Rose Geranium, and Carrot Seed.

The natural and highly effective nature of essential oils makes them perfect for skincare. When blended for their various properties and used with a carrier oil that matches your skin type, you can create a serum tailor-made for your skin.

What Are Essential Oils?

Essential oils are the essence of plants. Hidden away in many parts of the plant, like the flowers, seeds, and roots, they are very potent chemical compounds. They can give the plant its scent, protect it from harsh conditions, and help with pollination.

The benefits of essential oils on humans are diverse and amazing. Lavender flower oil, for example, contains compounds that help soothe skin irritation and redness, while the scent reduces feelings of anxiety and stress.

The beautiful Rose essential oil is hydrating to the skin and sometimes used to treat scarring, while the scent is known to help lift depression. 

There are many essential oils to choose from for specific skincare needs. I have used a myriad of different combinations but keep coming back to the tried and true blend from my very first serum.

The four essential oils used are the workhorses of skincare for mature skin, as well as being wonderfully uplifting for mind, body, and spirit. 

The Base Oil Blend Formula

Here’s what you’ll need:

Bottle

1 oz. amber dropper bottle. You can find those in pharmacies or online.

Base (Carrier) Oil

As a base, you can use one of the oils below or a combination of several that meet your skin’s needs:

  • Jojoba oil is my base oil of choice. It’s incredible for most skin types: it’s extremely gentle and non-irritating for sensitive skin, moisturizing for dry skin, balancing for oily skin, ideal for combination skin, and offers a barrier of protection from environmental stressors. It also helps skin glow as it delivers deep hydration.
  • Rosehip oil smooths the skin’s texture and calms redness and irritation.
  • Argan oil contains high levels of vitamin E and absorbs thoroughly into the skin leaving little oily residue.
  • Avocado oil is effective at treating age spots and sun damage, as well as helping to soothe inflammatory conditions such as blemishes and eczema.
  • Olive oil is a heavier oil and the perfect choice if your skin needs a mega-dose of hydration. Just be aware that olive oil takes longer to absorb and leaves the skin with an oily feeling. This may be desirable for extremely dry, red, itchy skin.

Essential Oils

  • Lavender essential oil is very versatile and healing. It helps reduce inflammation, kill bacteria, and clear pores. Its scent is also calming and soothing.
  • Frankincense essential oil helps to tone and strengthen mature skin in addition to fighting bacteria and balancing oil production.
  • Rose Geranium essential oil helps tighten the skin by reducing the appearance of fine lines, helps reduce inflammation and fight redness, and offers anti-bacterial benefits to help fight the occasional breakout. The scent is also known to be soothing and balancing.
  • Carrot seed oil is a fantastic essential oil for combination skin. It helps even the skin tone while reducing inflammation and increasing water retention.

The Recipe

Let’s start with a simple recipe:

  • 1 oz. Jojoba oil (or carrier oil of your choice)
  • 10 drops Lavender
  • 10 drops Frankincense
  • 10 drops Rose Geranium
  • 10 drops Carrot seed oil 

Place the essential oil drops in the amber dropper bottle then fill with Jojoba/carrier oil. It’s that simple!

Applying Your Homemade Serum

Use this serum morning and evening as part of your regular skincare routine. Serums work best when applied after cleansing your face. You can cleanse with Coconut Oil or a mixture of oils for enhanced hydration (we will cover this in the next article) or use your regular facial cleanser.

Essential oils will not interfere in any way with your normal skincare products.

Keep in mind that the serum is concentrated. Use only a pea-sized amount, work it into your fingertips, and apply evenly over the face without tugging or pulling.

If your skin feels tacky, reduce the amount on the next application. Your skin should feel soft, not oily. Follow with your regular moisturizer if you like. 

Making your own facial serum is fun and rewarding! I look forward to hearing your thoughts and ideas on essential oils and making personalized serums and skincare.

What facial serum do you use? Have you made one yourself? What is your favorite essential oil for skin care? Please share your thoughts with our community!

Taking a Day Off from Yourself

Taking a Day Off from Yourself

There’s a line in a song I wrote recently that stayed with me longer than the music:

“I know it’s my own doing… bein’ where I be… but that don’t make it easier… livin’ inside of me.”

We All Live in Our Own Thoughts

I didn’t write that line as advice. It wasn’t meant to fix anything. It just showed up one day, the way honest things tend to do. And the more I sat with it, the more I realized how much of life can feel like that – being aware of where we are, how we got there, and still not finding any relief in that understanding.

There’s a quiet weight that comes from living inside your own thoughts too long. Not always loud or dramatic. Sometimes it’s just a steady presence – going over the same ground, revisiting the same moments, asking questions that don’t seem to lead anywhere new.

And every now and then, it raises a simple possibility.

What would it feel like to step outside of that, even briefly?

Not in a dramatic, life-changing way. Not by fixing anything. Just… stepping away for a while.

A Different Kind of Day

Maybe it’s getting in the car and driving somewhere with no particular destination. Maybe it’s sitting in a place you don’t usually go. Maybe it’s doing something small and unfamiliar, something that doesn’t carry the usual weight of expectation.

I’ve felt it in small moments like that. Even something as simple as going to a movie in the middle of the day. There’s something about it that feels a little off at first – like you’re stepping outside the normal rhythm of things.

And then the movie ends, and you walk back out into the daylight… and for a second, it doesn’t quite line up. The world is still moving along like it always does, but you’ve been somewhere else for a while.

It’s a strange feeling. Not bad. Just different.

Like you stepped outside of yourself… and then quietly stepped back in.

Stepping Out of Yourself Provides Perspective

There’s something quietly powerful in that. Not because it changes who you are, but because it reminds you that you’re not limited to one way of being in the world. Even if it’s only for a short time.

And maybe the most surprising part isn’t the change itself – it’s the moment afterward. That small recognition that you did something different. That you gave yourself a break from the familiar rhythm of your own thinking.

There’s a kind of dignity in that. Not pride in the usual sense, but a quieter acknowledgment:

I stepped outside of it for a while.

No judgment. No fixing. Just a shift.

Those Moments Make Us Pause

And then something else occurred to me – something I’ve noticed over the years, especially when I’m writing.

Sometimes a line will come to me that feels like it didn’t come from effort at all. It just arrives. And every now and then, I’ll stop and read it back and think, Where did that come from?

That line I shared above – “I know it’s my own doing… bein’ where I be… but that don’t make it easier… livin’ inside of me” – was one of those moments.

It made me pause.

Not to fix anything. Not to judge anything. Just to take a quiet inventory.

Because it didn’t feel like I was saying something about myself. It felt more like something in me was speaking to me.

And what it was saying wasn’t harsh. It wasn’t critical.

It was almost the opposite.

It was a kind of quiet reminder.

Be a little easier on yourself.

Recognizing Where We Currently Are

Writing has a way of doing that. So does any honest form of expression. It has a way of showing us not just what we’ve done, but how we’ve been treating ourselves along the way.

And sometimes, what it reveals isn’t that we’ve made mistake – —that part we usually already know.

It’s how hard we’ve been on ourselves for making them.

There’s a difference between recognizing where we are… and punishing ourselves for it.

And maybe, every now and then, what we really need isn’t correction.

Maybe it’s just a small shift.

A softer voice.

A moment where we step outside of that constant inner conversation… and give ourselves a little room to breathe.

Not forever.

Just for a while.

Because the truth is, we all carry things. We all have places inside ourselves that feel heavier than we’d like. Knowing that doesn’t make it disappear. It doesn’t make it easier.

But it does make it human.

And maybe, every now and then, it’s enough to take a day off from living inside all of it… and just be somewhere else, even for a little while.

Let’s Have a Conversation:

What thoughts constantly occupy your mind? Have you tried stepping out of yourself for a little bit? What does that feel like? Does it bring clarity or something else?

Read More

Dara Levitan’s Blue Ombre Bikini and Cover Up

Dara Levitan’s Blue Ombre Bikini and Cover Up / Summer House Season 10 Episode 12 Fashion

Dara Levitan brought serious style for her weekend in the Hamptons last night on Summer House. Her blue ombré bikini and cover-up are giving mermaid vibes and work for numerous coastal occasions. And since we’ll all be taking a dip in the water soon, snag this look that makes waves the second you put it on.

Best in Blonde,

Amanda


Dara Levitan's Blue Ombre Bikini and Cover Up
Dara Levitan's Blue Ombre Bikini and Cover Up

Style Stealers

!function(d,s,id){
var e, p = /^http:/.test(d.location) ? ‘http’ : ‘https’;
if(!d.getElementById(id)) {
e = d.createElement(s);
e.id = id;
e.src = p + ‘://widgets.rewardstyle.com/js/shopthepost.js’;
d.body.appendChild(e);
}
if(typeof window.__stp === ‘object’) if(d.readyState === ‘complete’) {
window.__stp.init();
}
}(document, ‘script’, ‘shopthepost-script’);


Turn on your JavaScript to view content






Originally posted at: Dara Levitan’s Blue Ombre Bikini and Cover Up

Read More

Mia Calabrese’s White Corset Top

Mia Calabrese’s White Corset Top / Summer House Season 10 Episode 12 Fashion

Mia Calabrese put on a cute white corset top and denim shorts for her ride home back to the city on last night’s Summer House. This look can take you just about anywhere! So while we’re sad we can’t get our hands on her exact piece, we can scoop up a Style Stealer and go home in a white corset just like Mia.

Best in Blonde,

Amanda


Mia Calabrese's White Corset Top

Style Stealers

!function(d,s,id){
var e, p = /^http:/.test(d.location) ? ‘http’ : ‘https’;
if(!d.getElementById(id)) {
e = d.createElement(s);
e.id = id;
e.src = p + ‘://widgets.rewardstyle.com/js/shopthepost.js’;
d.body.appendChild(e);
}
if(typeof window.__stp === ‘object’) if(d.readyState === ‘complete’) {
window.__stp.init();
}
}(document, ‘script’, ‘shopthepost-script’);


Turn on your JavaScript to view content






Originally posted at: Mia Calabrese’s White Corset Top

Read More

How to Use Venmo, Zelle, and Cash App Safely

How to Use Venmo, Zelle, and Cash App Safely

The stories about scams tied to mobile payment apps are enough to make anyone hesitate. They did for me. I’m usually quick to try new tech, but this was one area where I held back.

That changed when our youngest son moved into his college apartment. I needed a simple way to send him money each month. That’s when I finally agreed to let him teach me how to use Cash App.

I’ve been using it cautiously for about two years now, and it has simplified our financial transactions. Not only can I use it to give him a monthly allowance, but it has worked well to have him pay directly for certain things and then I can quickly reimburse him. 

I haven’t had a need to branch out and use a mobile payment with anyone else until now. Last month, my hairdresser announced that she would be passing on the 3.99% card fee for using a debit/credit card and offered Venmo and Zelle as payment options along with the old-fashioned check. But remembering to bring a check, or carrying one around all the time, just isn’t practical anymore.

We live in the day and age of mobile payments. I decided to learn how all of the platforms work so I can feel comfortable using them safely with others besides my son. 

Once I started looking into it, I realized these apps aren’t all the same. Here’s how they actually differ.

Venmo vs. Zelle vs. Cash App – What’s the Difference?

Zelle

  • Built into many bank apps (like Chase or Bank of America).
  • Zelle does not hold funds in an app – money moves directly between bank accounts. 
  • Usually arrives within minutes.
  • Best for: sending money to people you trust – because it goes straight from bank to bank.

Venmo (owned by PayPal)

  • A separate app you download; uses a phone number or email to send money.
  • Includes a social feed (you can turn this off – and should).
  • Allows you to keep money in the app before moving it to your bank.
  • Best for: paying friends or family who already use Venmo (especially younger users).

Cash App

  • A separate app you download; uses a phone number, email, or $Cashtag to send money.
  • Allows you to keep a balance or spend it with a debit card.
  • Instant transfers have a small fee; free transfers take 1–3 days.
  • Best for: flexible, everyday use if you want one simple app that does more than just send money.

Some Additional Specifics

Payments sent through these apps are immediate and usually irreversible. Once the money is gone, it’s gone. If you wouldn’t hand this person cash, don’t send the payment. 

If you fund a payment with a credit card, you may be able to dispute it through your card issuer. But if you send money directly from your bank account, there’s usually no way to reverse it. In some cases of clearly unauthorized transactions, the app may look into it and possibly reverse the charge.

But those situations are not the norm. Venmo and Cash App are not buyer-protection platforms for everyday “send money” use. They don’t offer the same level of protection you get with a credit card.

Known Scams with Payment Apps

Most problems with these apps aren’t technical; they’re scams. Here are the ones to know.

#1. The Fake Bank Text Scam (Most Common)

This starts with a real-looking text from “your bank” asking if you authorized a large Zelle payment. When you reply “NO,” you get a call from a “bank agent” who offers to help you reverse it, and in doing so tricks you into sending money to them.

#2. The “Send Money to Yourself” Scam

No legitimate bank or fraud department will ever ask you to use Zelle or Venmo to move or verify funds. If someone does, it’s a scam, full stop. 

#3. The Grandchild Emergency Scam

You receive a message claiming to be your grandchild in trouble. He needs bail money, she is stuck at the airport, their phone is broken. Fraudsters now use AI voice cloning to make it sound convincing. Always call your grandchild back on their known number before sending anything. Or establish a secret code word you can ask in this situation. 

#4. The Overpayment Scam

Someone “accidentally” sends you too much money and asks you to send the excess back. The original payment was fraudulent, and you’ve just sent real money.

#5. Prize/Lottery Scams

Older adults are more likely to be targeted by prize scams, where they’re told they’ve won a reward but must pay a fee or taxes to collect it.

#6. The Verification Code Scam

Whether it’s a bank or a payment app, if you’re ever asked to share a verification code, it’s a scam. That code is the key to your account.

The Golden Rules

  • Only send money to people you know in real life.
  • When in doubt, pick up the phone and call. DO NOT reply to the text.
  • Never share a verification code with anyone, ever.
  • Enable transaction alerts so you know instantly if something happens.
  • Consider establishing a family code word that only your real grandchild would know for emergency money requests.

How to Use Them 

To use Cash App or Venmo, the first step is to download the app, set up your profile and add a credit or debit card.

Notes on Zelle

If you want to use Zelle, check whether your bank integrates with it. You will need to sign up or activate it using your cell number through your online bank account. To use Zelle, you access it through your bank’s app. To send money, you add a contact using their cell number or email address. On the main screen, enter the amount and click “Pay”. This opens another screen where you select the recipient and add a note.

Notes on Venmo

On Venmo, make sure personal payments stay standard (not marked as a purchase). Turning on purchase protection adds a fee and changes how the transaction is treated. 

Payments marked as goods or services may be reported to the IRS if they meet reporting thresholds, so it’s important to label transactions correctly. 

The Venmo app is social by design, making it a staple among Gen Z and millennials. But those of us over 60 who choose to use this app will want to take a close look at the privacy settings. Be sure to set your default privacy to Private (under the gear icon in settings). This prevents future payments from appearing publicly. You’ll also want to set your friend list to private. This prevents others from seeing who you’re connected to. 

Scammers rely on confusion. The more familiar you are with these tools, the easier and safer they are to use.

Let’s Have a Conversation:

Do you use mobile money transaction apps? Which ones have you tried and what’s your experience so far? Have you modified any settings?

Read More

Helping Grandchildren Practice with Money

Helping Grandchildren Practice with Money

You may remember watching your children or nieces/nephews spend “their” money differently than “your” money? Suddenly, what they asked you to buy, was not what they were willing to spend their own money on, remember that? That always made me chuckle. And now I am seeing the same scenario in our grandchildren.

Money as a Gift

Now that most of our grandkids are school age, we switched from giving a small gift they could open (plus their real gift of a 529 contribution) to giving them cash. And we tell them we want them to start practicing using money to save, spend, or give. And we leave the details of the guardrails around how that works to the parents. My chuckles continue.

Money Motivates

One grandson was so excited he kept repeating on his birthday “this is my best day ever!” And, of course, finding multiple bills inside of a card vs just one (of the same total dollar amount) made his eyes get bigger and bigger. Their concept of money is just emerging as his counting and math skills advance as well at his Kindergarten age.

But he understood quickly that if he offered to do some chores around the house, he could make that pile of money grow even bigger. He had his eyes set on buying a Lego set at an upcoming vacation to Legoland so his parents sent me a picture as he was suddenly motivated to wash windows.

Earning Money

We moved recently so some of our grandchildren ran a lemonade stand at our moving sale in the driveway. The youngest was quick to be sure everyone who arrived heard the lemonade offer at least once or twice. And the three of them took turns manning the booth, restocking the mini donuts, and even making signs to promote their offer.

Several generous adults just made donations, and they were prompt with their manners and appreciation. They split the proceeds three ways and beamed with $10 in each of their pockets at the end of the morning sale.

Investing Money

Another grandson told me as soon as I saw him the other day, “I spent that money you gave me.” He was very matter-of-fact about it as he and his dad explained that he had invested it into a stock using an app on his mother’s phone. He said it would “pop back up on the screen again in a couple of days.” I can’t wait to hear this 5-year-old’s interpretation as he watches the stock over time.

Spending Money

My sister has started to take grandchildren on a shopping spree to spend their holiday money. One granddaughter quickly realized that one big item would use up all of her dollars, so she ended up putting it back and getting five less expensive things she wanted instead. The shopping process took awhile, but they had so many good conversations along the way.

So Many Ideas

Janet Bodnar writes a great column for women in Kiplinger’s Personal Finance magazine, and I remember some of the stories she shared when she wrote about financial gifts for grandchildren. One woman set up a Savings Challenge to her grade school aged grandchildren where she would match what they saved and the one who amassed the most on top of what she gave them after a certain period of time would earn an additional $100 bonus.

Another grandmother gives instructions with her $400 gift: save $200, give $100 and spend $100 any way you wish. And other grandma gave an amount of money that had to be invested in any dividend paying stock they chose, as long as they picked it with their father and reinvested the dividends. So many clever ideas!

Free Tools Guiding Money Decisions

One of the best tools to help children with the idea of “practicing using money” comes from a colleague in the financial education industry, Karen Holland, Founder of Gifting Sense. She developed a Does It Make Sense (DIMS) calculator to help children think before they buy. Whether it’s a toy, clothes, experience, pet, or even a first car, this free to access and use tool helps kids think through all aspects of a purchase complete with a report at the end that could be printed out or shared with a parent to finish the decision together before a purchase!

Practice at anything makes “perfect,” right? I don’t think any of us will ever feel like we’re perfect with money but the practice part is sure helpful to kids in so many ways: learning to earn money, experience selling something, feeling delayed gratification, motivation and reward for saving, finding out that saving or investing is another way to grow money, enjoying the feeling of giving to help others, and experiencing mistakes like overpaying, spending too quickly, regret after a purchase, etc. The list is long!

For older grandkids (and even adults), I designed a free to download AutoPilot Your Finances tool that takes the emotion out of so many money decisions. We have room to grow and learn and apply at all ages of life, so I encourage you to drip on the youth in your life whenever teachable moments come along. Practicing with money definitely provides teachable moments!

Let’s Talk:

What have you seen work or not work with the children in your life practicing with their money? How did your childhood or experience with children impact how you gift today? Any tips to share on helping grandkids practice using money? Let’s have a discussion.

Read More

5 Reasons Why Walking Is My Best Thinking Time

5 Reasons Why Walking Is My Best Thinking Time

My alarm goes off every day around 4 pm. It’s not a loud alarm, but only I can hear it. It’s my internal walking alarm, letting me know it’s time to get ready to head out. Time to change, put on my shoes, fill a bottle with water, and grab some bubble gum and a bit of money. I always chew gum on my walk, and bubble gum is my gum of choice. Maybe it’s an odd habit, but it’s just part of my walk.

I don’t go for a walk to think, but it happens anyway. Of course, there are many health benefits to long walks, but the one that continues to surprise me is the thinking time it provides. That’s why I prefer to walk alone, with no distractions.

Walking creates the mental and emotional space to let my mind wander. It almost always drifts toward problems, issues, or decisions I need to make. Our best thinking doesn’t happen sitting at a desk or on the sofa. It happens when we’re moving and not forcing ourselves to focus.

This might sound counterintuitive. Isn’t it easier to concentrate when we’re sitting still? In theory, yes. But in reality, sitting often comes with interruptions. The phone rings, a message beeps, the kettle whistles, or someone asks for something. And just like that, the thought you were holding disappears.

When we’re out walking, or even doing something repetitive like hanging laundry, we settle into a rhythm. That’s when thinking becomes easier and more natural. Here are five reasons why.

1. The Mind Finally Slows Down

When you’re walking, there’s nothing competing for your attention. No screens, no interruptions. Your body falls into a steady rhythm, almost on autopilot, and your mind has space to catch up.

Thoughts that felt scattered begin to settle. Instead of jumping from one idea to another, they start to line up. It’s not forced. It just happens.

2. Problems Feel Smaller When You’re Moving

Problems can feel overwhelming when you’re sitting still, especially when you’re turning them over again and again. It can feel like facing a wall with no way around it.

But once you start moving, something shifts. The problem doesn’t disappear, but it changes shape. It feels less fixed, less final. Movement seems to open the door to possibilities.

There’s a line from a Leonard Cohen song about cracks letting the light in. That’s what it feels like. The situation is still there, but it no longer feels impossible.

3. Ideas Appear When You’re Not Looking for Them

It’s often when you stop trying to solve something that the answer appears.

On a walk, ideas seem to arrive without effort. A solution begins to make sense. A decision becomes clearer. Or something entirely new comes to mind that you hadn’t considered before.

You’re not forcing anything. You’re simply giving your mind the space to do what it does best.

4. Your Mood Lifts Without You Trying

As your thinking becomes clearer, your mood often follows. There’s no dramatic shift. It’s gradual. A sense of heaviness starts to ease. When you begin to see possibilities, even small ones, it changes how you feel.

You may not have a full solution but knowing there are options is often enough to lift your mood. That quiet shift can make a big difference.

5. You Get Clarity

By the end of your walk, you may not have all the answers, but you usually have direction. Things feel more manageable. You can see your options more clearly. Sometimes the decision is to act. Other times it’s to wait. Even that is clarity.

And with clarity comes a sense of calm. You’re no longer stuck in the same loop you started with.

Closing Reflection

Walking isn’t complicated or expensive, but it quietly supports both thinking and well-being in a way that’s easy to overlook.

Feeling refreshed after a walk can seem like a contradiction. The body may be a little tired, but the mind feels lighter. Some of the weight has been lifted. You return with a clearer head, a better perspective, and a sense that things are, at the very least, manageable.

Click for free access to my Substack, Retired Way Out There, where I publish a bi-monthly newsletter and provide handouts.

Another article to read might be Is Your Walking Speed a Health Red Flag? How to Test and Improve It.

Let’s Have a Conversation:

What does walking do for you? Is it your best time to think? What solutions have come to you during a walk?

Read More

Loading