NIGERIA: Financial Education for Children

Financial education

“Mummy, is it Buhari’s fault that the economy is bad?” My daughter asked me this when she returned from school one day. She’s referring to Muhammadu Buhari, the president of Nigeria. “You must always call him President Buhari,” I corrected my daughter. Then I realised this was another opportunity to educate my daughter about economy and finances.

I told her it’s not President Buhari’s fault that the economy is bad, rather it is the choices we made as a country. I told her Nigeria is like a big family. Imagine that the father had a big job and they paid him a very good salary. In this family, perhaps the mother chose not to work because the father’s salary was so good. The family lived well, and often traveled abroad for holidays, wearing designer clothes. Everything they did was expensive. They had huge parties all the time. Their children went to expensive schools and they go abroad for treatment even for a simple headache.

The father earned well, but did not save anything and sometimes borrowed even more money to maintain their extravagant lifestyle. At one time some family members started stealing the money for their own personal enjoyment. They stole this money right out of the family account.

One day the company the father worked for was no longer able pay the father his big salary, so they gave him a pay cut. Remember, the father did not save when he was earning a high income. Remember, the family led a very expensive lifestyle. Remember, the mother had no job, so she couldn’t support the family. So, there was problem.

Eventually, a new father was brought in and the salary was reduced further and further. The family still had no savings and money was still being stolen from the family account. The new father found it difficult to support that expensive lifestyle the family was accustomed to. In this case, there would be economic problems and it wouldn’t necessarily be the father’s fault. In the meantime, the father must still deal with the people who stole from the family account, and try to recover the money.

“Do you understand now?” I asked. “Yes, I do,” said my daughter, and she went away, satisfied.

Our children know something is wrong and we need to explain to them what is going on. At a school meeting recently, I overheard a parent wondering how can she tell her child they can’t afford to pay school fees? I told them as parents you need to financially educate your children. This is not done in school, so it’s the parent’s duty to ensure that children are aware of economy and finances.

My children are part of our family’s economic life. They know what’s going on in our businesses and their father’s job. They know when things are good that we are investing, and they know why we invest. They know where the money for their school fees is coming from and what sacrifices were made to make ends meet. When business is bad, they know. At one time I thought we couldn’t pay my daughter’s school fees and I told her she had to delay a week or more before starting school (we always pay school fees before resumption date. It’s my personal stand). Luckily we managed to pay on time, but she learned that it’s a possibility and understands life sometimes throws a spanner into the works.

When we joined my husband in Abuja in 2011, my children’s school fees were fifty times higher than what we were used to paying. I had to sit my children down to explain that we needed to make sacrifices for their education. One of the decisions we made as a family was to reduce travelling abroad for holidays. So we did, and my children understood why.

In December, my daughter went to Europe for her school’s annual ski trip. She noted that there were a lot fewer students on the trip than previous years. My daughter also went to Wales this month for the Duke of Edinburgh expedition. Similarly, not all the students participating in the Duke of Edinburgh programme went for the expedition. I had to explain to her there was economic downturn and it was not easy for all families to afford such trips. At the moment, we are seriously worried about paying for education because our currency was losing value. She gave me a worried look and said, “God willing, everything will be okay.” “Amen,” I replied.

My daughter left the house a better-informed child. I hope that when she becomes an adult, she will be better prepared for economic and financial challenges because she learned about it as a child. As parents, we cannot shield our children from the reality of life. Let them learn from us and be more financially savvy.

How do you ensure that your children get a good understanding of your family finances?

This is an original post written for World Moms Blog by Aisha Yesufu in Nigeria.

Photo credit: Bob Ryskamp / Flickr

World Voice: Maternal Health isn’t a Luxury! It’s a Necessity!

IMG_0639

I started CleanBirth.org with a mission of improving birth safety for moms in Laos because I am a mom and I wanted to support other mothers.

Being a mother is a challenging role for me.  It isn’t always easy setting aside the “me” and putting my kids first.  But it’s what moms do, right?  Right.

Mothers often go so far as to prioritize kids’ needs at the expense of our own health.  This is a mistake. To ensure good health for themselves and their children, women need competent health care before and after giving birth.

In developed countries, we are in most cases lucky enough to have sufficient practitioners and hospitals.  This is not the case in the developing world.  The WHO finds:

”The risk of a woman in a developing country dying from a maternal-related cause during her lifetime is about 33 times higher compared to a woman living in a developed country. Maternal mortality is a health indicator that shows very wide gaps between rich and poor, urban and rural areas, both between countries and within them.”

Here is the WHO’s advice in a nutshell about what is needed to prevent needless maternal deaths:

Untitled

We atCleanBirth.org agree that no woman should die in pregnancy and childbirth.  We are doing our small part by promoting maternal health among poor, rural, minority familiesin Salavan Province, Laos.  We provide moms with safe birthing supplies in a cute pink bag and fund counseling from local nurses, who we train twice annually.

We work to ensure that mothers survive birth.  Please join us by donating $5 which gives a mom and baby a birth kit that prevents infection: www.cleanbirth.org/donate.

What programs do you know of that have been effective in improving maternal health?

Kristyn Zalota, a World Moms Blog contributor from the USA, is a mom of two and also the founder of Cleanbirth.org, a registered 501(c)(3) non-profit organization. Working with a local Lao partner, Cleanbirth.org empowers nurses to provide women in their communities with Clean Birth Kits and safe birthing education. To date, Cleanbirth.org has provided 5,000 birth kits and funded training for 250 nurses.

Kristyn Zalota

Kristyn brings her years of experience as an entrepreneur and serial volunteer to CleanBirth.org. She holds a MA, has run small businesses in Russia and the US, and has volunteered in Nicaragua, Costa Rica, Thailand, Cambodia, Laos and Uganda on projects related to women’s empowerment. After having children, Kristyn became an advocate for mothers in the US, as a doula and Lamaze educator, and abroad, as the Founder of CleanBirth.org. She is honored to provide nurses in Laos with the supplies, funding and training they need to lower maternal and infant mortality rates in their villages.

More Posts

BRAZIL: Dialogues Between a Working Mom and a Homemaker

BRAZIL: Dialogues Between a Working Mom and a Homemaker

andrea_dialoguesMany women nowadays have to split their time between a full time job and their kids (and their husband, and taking care of their home, and and and…). Another group of women is able to work from home, at least part of the time, or to work some at home and some in the office. If you, like me, are in this second group, some days it might seem like there are two women chatting in your head, the Professional working mom and the Homemaker. For me, a typical work day outside of the home goes more or less like this…

Professional – Oh my gosh it is so great to be able to get some work done in peace! I love to work!
Homemaker – The kids are growing up so fast… soon they will be teens and won’t even want to look at you!
Professional – The kids need to see their mother working and doing something she likes.
Homemaker – Come on, don’t be cynical, you don’t even like your job that much! It’s just a way to escape the kids a bit!
Professional (ignoring the Homemaker) – If only I could work outside of home for more days I could get sooooo much done!! My career would skyrocket! Maybe I should put the three-year old in play school next semester.  Imagine, working in peace five mornings a week!?
Homemaker – Oh yeah? And where would you find the extra money? What about the car pool? You can barely find rides for two to come home from school, three would be worse! And he is so little…
Professional – Oh no! I can’t believe it’s time to go home already!! I didn’t do ten percent of what I needed to!! Ahhhhh! Another sleepless night awaits me!! I am so tired! I need chocolate… Sob…

On other days, a typical day at home goes like this…

Homemaker (at the park) – Oh, look at them. They are so cute and cuddly. I love being a mom. I can’t believe the youngest is already three. I will miss having little kids around. Should I have another baby?
Professional – Are you out of your mind?????
Homemaker (ignoring the Professional working mom) – If only I could afford to stay at home all the time…  And then, when they started to grow older, I could work in what I really like. I would also have time to take better care of the house and to exercise and get in shape again.
Professional – My job is stable. I can’t earn enough money to raise kids doing only what you like. That’s so naïve.
Homemaker – It’s so peaceful here with them. If only I could stay at home in peace and not need to hear you worry about work and deadlines and…
Professional – Oh no! That deadline! You need to drop them off at grandma’s now!!
Homemaker – You know they only stay at grandma’s once a week max. Otherwise they get stressed out. You can work tonight.
Professional – I need to sleep!! I already worked last night! You know I can’t work all night two days in a row! I am not twenty anymore!
Homemaker – On that we agree! We get so crabby when we don’t sleep enough. It’s not good for the kids. Maybe you should stop working nights and work only during the weekend when they can stay with their father.
Professional – No!!!!! I have so much to do!!!!! Weekends are not enough.

And so it goes….

And you… Do you work from home, from an office or both? How do you find balance? Please share your story below.

This is an original post to World Moms Blog by Ecoziva in Brazil. Photo credit to the author.

Ecoziva (Brazil)

Eco, from the greek oikos means home; Ziva has many meanings and roots, including Hebrew (brilliance, light), Slovenian (goddess of life) and Sanskrit (blessing). In Brazil, where EcoZiva has lived for most of her life, giving birth is often termed “giving the light”; thus, she thought, a mother is “home to light” during the nine months of pregnancy, and so the penname EcoZiva came to be for World Moms Blog. Born in the USA in a multi-ethnic extended family, EcoZiva is married and the mother of two boys (aged 12 and three) and a five-year-old girl and a three yearboy. She is trained as a biologist and presently an university researcher/professor, but also a volunteer at the local environmental movement.

More Posts

SINGAPORE: Being a Why Not Mum

SINGAPORE: Being a Why Not Mum

As mothers, we hear these questions on a daily basis

Why must I go to sleep when I’m not tired mummy?
Why do I have to go to work while you stay at home?
Why can’t I marry Daddy when I love him as much as you?’

There are days when I get asked innocent questions by my daughter that make me chuckle inside, like why can’t I marry you or Daddy when I love both of you so much? Then there are some days when her questions fumble me especially when it comes to the injustice, pain and suffering that she witnesses in the news and it’s hard for me to try to explain.

I’ve thrown all sorts of responses at her questions. They are sometimes right and sometimes wrong answers. Just for fun, I’ve even given absurd responses while I can still get away with it. She is naive and none the wiser at 6 years old.

While some of her questions call for a logical and scientific reply on how things in the world work, I’ve slowly come to recognize that there are “”why questions that call for a heart response.

Why can’t I sleep in your room anymore?
Why do I get to spend so little time with you during the day?
Why can’t I stay up late to chit chat with you a little more mummy?

While my natural responses is to give answers like

“Because you’re a big girl now”
“Mummy has to work just like you’ve got to study”
“You’ll get tired if you don’t sleep now”

they don’t quite address what her heart is longing for, which is

Affection,  attention and love

After all if I were to put myself in her shoes, I’d feel disappointed to only see mummy for a few hours before bedtime. I know I can be the worst person to be around if I’m feeling tired after work. It is then that I shoot her replies like, “Give me 10 minutes”, when I secretly desire to have dinner, shower and run off to sleep. Unfortunately each time I turn down her invitation to play, to hear about her day at school or to see a drawing that she made, I’m sending her a message that she doesn’t matter.

I’m not talking about revolving our lives solely around our little ones to the point that they feel entitled and spoilt; but rather being conscious that our responses frame their identity when we neglect their little hearts.

These days, I’m learning to tune into my daughter’s emotions and be a more spontaneous mum by responding with

Why Not

When she asks me to take her to the playground after work

Why Not

When she requests to go out during the school holidays

Why Not

When she asks to stay up for 5 more minutes just to tell me about her day

Why Not

When she asks for movie night and we curl up in front of the TV with chips and popcorn.

Don’t get me wrong, I’m not saying let’s throw schedules and routines out of the window and just give in to our kids whims and fancies. Schedules and routines are important to keep a child regulated so they know what’s expected of them.

Instead, when we surprise our kids by saying Why Not when they least expect it, it makes it even more special and memorable. That’s how I intend to keep building my daughter’s memory bank, with lots of spontaneous, crazy fun moments.

This is an original article by Susan Koh for World Mom’s Network

Susan Koh

Susan is from Singapore. As a full-time working mom, she's still learning to perfect the art of juggling between career and family while leading a happy and fulfilled life. She can't get by a day without coffee and swears she's no bimbo even though she likes pink and Hello Kitty. She's loves to travel and blogs passionately about parenting, marriage and relationship and leading a healthy life at A Juggling Mom.

More Posts

World Voice: Kurandza – One woman’s passion to help #FeedMozambique

World Voice: Kurandza – One woman’s passion to help #FeedMozambique

Meet Elisabetta Colabianchi, Founder of Kurandza, a non-profit social enterprise that invests in the future of women in Mozambique. I have featured her work and organization before on my blog and include their products under my Gifts that Give Back Guide. Kurandza uses education, entrepreneurship and sustainable development programs to help create opportunity and change for women and their communities. A devastating two-year drought in Mozambique has caused widespread hunger inspiring Elisabetta to shift gears and focus on hunger relief. Here is her heartwarming story. 

Percina and Elisabetta, two wonderful friends who met in a village in Mozambique while Elisabetta was a Peace Corps volunteer. Photo credit: Nicole Anderson of Sorella Muse Photography

Percina and Elisabetta, two wonderful friends who met in a village in Mozambique while Elisabetta was a Peace Corps volunteer. Photo credit: Nicole Anderson of Sorella Muse Photography

“Kurandza: To Love”: Written by Elisabetta Colabianchi, Founder and Designer, Kurandza

I’d known there was a hunger crisis in Mozambique, but what really got to me was hearing that HIV positive mothers were faced with choosing between letting their children starve or nursing their children past the recommended time despite the risk of passing on HIV.

Prior to founding my non-profit organization, Kurandza, which means “to love” in the local Changana language, I lived in Mozambique as a Peace Corps volunteer for three years. While there, I worked at a rural hospital counseling mothers on the prevention of HIV transmission to their babies, and had successfully prevented the transmission to hundreds of children.

At first, I thought that maybe the mothers who continued to nurse despite the risk were doing this because they forgot their training. Or I thought perhaps I hadn’t taught them very well after all.

#feedmozambique

But when I counseled one of these mothers over the phone last month from my home, now living thousands of miles away in California, I realized she knew exactly what she was doing, and that it hurt her to do so. She knew that by continuing to nurse her child past the recommended time, she was putting her baby at risk to contract HIV. She knew that when a child contracts the HIV virus, it often leads to mortality.

This mother has already successfully raised five HIV-free children because she followed the prevention techniques. But this time is different. This time there isn’t any food for her to feed her child because of the two-year drought. There isn’t any water to grow crops on her farm to produce the food that her child desperately needs to survive. Water is a life source that they are without. Like all the women in her community, she knows that if she stops nursing, her baby will most likely die of malnutrition. So she is making the best choice for her baby by nursing despite the possible outcome.

The women facing this impossible choice is what made me pause and reassess the work I was already doing in Mozambique through Kurandza. Even though we’re in the middle of creating new educational and entrepreneurial programs for the women there, we’re refocusing our energy to something more urgent this month, because I know in my heart that we need to address the hunger crisis now.

Over 25 million people in Mozambique don’t have enough food or water

The drought has caused crops to die and food prices in the nearest stores to increase by over 200%. In a community of high unemployment and dependence on farming their own crops to survive, villagers are unable to purchase food for themselves. Because of the hunger crisis, children are eating one meal a day.

In response to the hunger crisis, Kurandza is raising $250,000 this month to provide immediate food along with long-term water and sustainable agriculture solutions so that the community can continue to farm, growing their own crops if the drought persists. All the food aid will be sourced in the local community to boost local commerce.

It’s important to supplement humanitarian assistance with long-term solutions such as building multi-functional water wells so that the community will be able to continue farming and growing their own crops even if the drought continues.

If you would like to learn more, visit www.kurandza.org

Nicole Melancon (USA)

Third Eye Mom is a stay-at-home mom living in Minneapolis, Minnesota with her two children Max (6) and Sophia (4). Her children keep her continually busy and she is constantly amazed by the imagination, energy and joy of life that they possess! A world wanderer at heart, she has also been fortunate to have visited over 30 countries by either traveling, working, studying or volunteering and she continues to keep on the traveling path. A graduate of French and International Relations from the University of Wisconsin Madison, where she met her husband Paul, she has always been a Midwest gal living in Minnesota, Wisconsin and Chicago. This adventurous mom loves to be outside doing anything athletic (hiking, running, biking, skiing, snowshoeing or simply enjoying nature), to travel and volunteer abroad, to write, and to spend time with her beloved family and friends. Her latest venture involves her dream to raise enough money on her own to build and open a brand-new school in rural Nepal, and to teach her children to live compassionately, open-minded lives that understand different cultures and the importance of giving back to those in need. Third Eye Mom believes strongly in the value of making a difference in the world, no matter how small it may be. If there is a will, there is a way, and that anything is possible (as long as you set your heart and mind to it!). Visit her on her blog, Thirdeyemom, where she writes about her travels and experiences in other lands!

More Posts

USA: A Sea Change on Gun Control

USA: A Sea Change on Gun Control

Gun Control

A thought-provoking tweet has been making the rounds on social media since the horrific mass shooting in Orlando. The tweet reads, “In retrospect, Sandy Hook marked the end of the US gun control debate. Once America decided killing children was bearable, it was over.” How can this be? How can this really be?

Sandy Hook Tweet

But something is happening. Since Orlando, there has been a swell of support for real change in gun control measures in the United States. Senator Chris Murphy held the floor for 15 hours in a filibuster to demand a vote on gun safety laws. Senators Dianne Feinstein and Chris Murphy brought two powerful amendments to the floor for a vote: one requiring background checks for all gun sales, and another blocking gun sales to suspects on the terrorist watch list (both, sadly, were voted down).

Gun control advocacy

On Wednesday, Rep. John Lewis lead his colleagues in a sit-in on the House floor to demand a vote on common-sense gun control measures. Those representatives are held their ground for more than 24 hours, and plan to take up where they left off when Congress is back in session. In addition, City Council members in Charlottesville, VA passed a resolution this week asking the state to allow localities to create their own gun control laws. Since the Federal government hasn’t stepped up, the city of Charlottesville wants to take the safety of its citizens into its own hands.

Furthermore, scores of articles have appeared in the media championing everything from repealing the second amendment, to background checks for gun sales, from preventing dangerous people from purchasing guns, to banning assault weapons. And, perhaps most importantly, Americans are contacting their representatives in record numbers, insisting on gun control. Constituents across the United States tweeted, texted, called and wrote to their representatives demanding change.

I want you to prevent gun violence

Personally, I will no longer be a passive bystander. I will no longer do nothing shake my head every time there is a mass shooting, yet does nothing. I will stand up for my right and the rights of all to live a life free from the risk of being killed by a bullet. I will not rest until there is a sea change in the way we approach gun politics.

I stand with my fellow Americans, finally demanding an end to the unacceptable loss of life that has become completely routine in the United States. We will keep writing to our representatives until there is a real change in the way we approach gun control in America. We have lost thousands of innocent lives to gun violence. How many more deaths must we endure before we stand up and DEMAND gun control laws? We will endure no more. Enough is enough. We will NOT let Sandy Hook mark the end of the gun control debate in our country.

#ENOUGH #DisarmHate #NoBillNoBreak

This is an original post to World Moms Blog by Tara Wambugu

Image credits: Knotted Gun via Jim, the Photographer / Flickr. Vigil for Orlando shooting via Fibonacci Blue / Flickr. Rally to prevent gun violence via Maryland GovPics / Flickr

Tara Wambugu

Tara Wambugu is a wife, a mother of two, and a Kenya-based lifestyle blogger covering parenting, family life, travel, and more. A former aid worker, Tara has worked in various countries in Europe, Central Asia, Africa, and Central America. She is now a stay-at-home mom living in Nairobi with her husband and their two sassy little girls. You can follow Tara and her family’s adventures on her blog, Mama Mgeni.

More Posts - Website

Follow Me:
TwitterFacebookLinkedInPinterestGoogle Plus