In this episode, we talk about tips for getting kids back on the right sleep schedule for back to school – DON’T worry if you’ve already started back. This has some good ideas about sleep schedules in general.
In the second segment, we present 5 myths we ALL tell ourselves about our finances. See below for the show notes for both and a link to the podcast.
7 BACK-TO-SCHOOL SLEEP TIPS – SHOW SEGMENT 1
In a recent joint press release from Sealy and the University of North Carolina School of Medicine’s Neurodiagnostics and Sleep Science Program, they gave great ideas for getting kids back on the right schedule now that summer is winding down and kids are getting back on the clock for school.
Sealy commissioned a study of 1,000 parents with children between the ages of 5 and 17 to better understand sleep quality, schedules and tactics to adjust to a new daily schedule once school starts again.
They found 46% of parents say the biggest impact for their kids is how many hours they sleep while 29% say sleeping through the night makes the biggest impact on their kid’s sleep quality. The mattress matters too – 13% say that is the biggest impact for their kids and for parents of the littlest kids (5-9) 17% said that was most important.
“As summer winds down, families across the nation are looking for ways to ease their children back into their school schedule,” said Jay Spenchian, Executive Vice President and Chief Marketing Officer at Temper Sealy. “Through our survey findings and partnerships with UNC School of Medicine’s Sleep Science Program we know the importance of equipping families with the right tips and tools to ensure that children are rested and ready to excel in the classroom.”
In the same study, 68% of parents say that getting the kids to bed early and waking up earlier is their biggest challenge. And 22% of parents admit they feel bad making their children struggle and let them slack those last few days.
Here are the tips:
1. Bedtime Shift – starting a week or two before school (sorry if you already started) – figure out how much sleep your child needs and advance the bedtime and wake times by no more than 30 minutes each day.
2. Night Owls No More – don’t allow late bedtimes. Each age group needs different amounts of sleep. Ages 5-10 generally need about 10-11 hours, according to the National Sleep Foundation, and teens (11-17) need between 8 1/2 and 9 1/2 hours each night.
3. Boycott Late-Night Electronics – at least 2-3 hours before bedtime, turn off all electronics. Anything emitting a blue light can counteract the body’s natural transition to sleep.
4. The Mattress Matters – Invest in a good mattress that supports the back and aligns the body.
5. Break Up with Snooze – Don’t allow your child to sleep in even on weekends. Keep wake times the same every day of the week, 7 days a week.
6. The Breakfast Benefit – make breakfast a priority and serve it at the same time every morning. This gives kids energy and helps them learn when they have a good nutritious breakfast.
7. Take Your Cue – External clues help us synchronize our bodies to sleep and wakefulness. Make sure your child gets good sunshine in the morning to wake up best.
For more information, please visit www.tempursealy.com.
5 FINANCIAL FIBS WE TELL OURSELVES – SHOW SEGMENT 2
One of the fastest ways to financial destruction is to lie to yourself about your finances. You know you’ve done it! That little voice inside your head as you stand in front of those fabulous shoes, or right before you click the “BUY” button on the computer screen.
This kind of distructive self-talk can be very damaging to you, your credit score and your future.Scott Smith, personal finance expert and president of CreditRepair.com says, “Sound and responsible financial management starts with facing the realities of our individual financial circumstances. Truthfully evaluating our income level, debt obligations, spending habits, savings habits and future financial goals will get you started on the right path to living a responsible financial life.”
Here are 7 Financial Fibs we tell ourselves provided by CreditRepair.com
1. “I don’t know what my credit score is, but that’s okay. I’ll only need it when I decide to buy my next car or finally purchase a home.” – You really need to know your credit score all the time. It’s not just for getting loans but can be used for insurance pricing, job applications and rental agreements.
2. “I’ll just take a little from my savings account, but I’ll pay it back next month.” – This is also known as “robbing Peter to pay Paul” and is a terrible idea. You must keep a savings plan going so that when life throws you a curve ball, you will have something ready to cover and get back to savings quickly.
3. “Investing is too complicated and besides, only the rich get richer.” Rich people are rich because they have financial discipline. Investing and savings is available for everyone, no matter what their financial situation is.
4. “Maybe if I turn my voicemail off the debt collectors will stop calling.” While it can be very frustrating to deal with debt collectors, consumers do have specific rights protecting them from being pestered.
5. “I deserve a break. I’ll just charge my vacation and pay it back later.” Minimize over spending unless you have an unexpected expense. If you do incur credit card debt, pay it off as soon as you possibly can. The interest charges make that spur-0f-the-moment vacation cost WAY more than the final bills you see.
Making excuses to yourself for poor financial judgement does not improve your life. Keep your eye on the ball and your future self will thank you.
For more information and more tips on managing your money, visit www.CreditRepair.com.