10 months old

Beau Emmanuelle is now 10 months old!!

She now:

– walks along furniture

– will let go of objects while standing and attempt to stand on her own

– tries feeding herself with utensils

– mimics more and more words and sounds

Here is a look back at Remy and Wilder’s 10 month update. We had his pictures taken in the very same field only three years ago. And Beau is going to the very same mountains in BC that Wilder did at her age. It’s funny how things in life repeat themselves.

Only two more months until she’s one year. Time, slow down.

Emory

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when should i change my mattress?

The mattress might be one of the most important pieces of furniture in our home because we spend 7 to 8 hours on it every day. Many people might ask how often do I need to change my mattress?  There is no definitive answer to this question, as the best time to get a new mattress depends on a number of factors. However, as a general rule of thumb, it is generally advisable to replace your mattress every 5-7 years. This timeline can vary depending on the type of mattress you have, how often you use it, and how well you care for it. 

If you start to notice any lumps or bumps in your mattress, or if it starts to feel significantly less comfortable than it used to, then it may be time for a replacement. Ultimately, the decision of when to get a new mattress is up to you and should be based on your own personal comfort level.

When it comes to finding the perfect mattress, there is no one-size-fits-all solution. The type of mattress that you ultimately choose will depend on a variety of factors, including your sleep habits, health needs, and personal preferences.

To help you narrow down your options and find the right mattress for your bedroom, here are a few things to keep in mind:

1. Think about your sleep habits. Do you tend to sleep on your back, stomach, or side? This will affect the type of mattress that will be most comfortable for you. For example, if you sleep on your side, you may want a softer mattress to support your hips and shoulders.

2. Consider your health needs. If you have any medical conditions or injuries that impact your sleep, this will also influence the type of mattress you should choose. For example, if you have chronic back pain, you may want a mattress that is firmer in order to provide more support.

3. Determine your budget. Mattresses can range in price from a few hundred dollars to several thousand dollars. It’s important to figure out how much you’re willing to spend before beginning your search. Some people might even consider buying a bedroom set to make a consistent theme. 

4. Consider your personal preferences. Do you prefer a mattress that is soft, firm, or somewhere in between? Do you like to sleep with a pillow top or do you prefer a mattress that is more traditional? Taking your personal preferences into account will help you find a mattress that you love.

5. Try before you buy. Once you’ve narrowed down your options, it’s important to test out the mattress in person before making a purchase. Most mattress stores will allow you to lie down on a mattress for a few minutes to get a feel for it. This is the best way to determine whether a mattress is right for you.

Keep these tips in mind and you’ll be sure to find the perfect mattress for yourself in no time!

** This was a contributed post.

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recipe: orange and cardamom muffins

These warm and spicy muffins are a perfect treat to have on a cool fall day. The flavours as well as the orange and black colouring are also matched for the season!

Orange and Cardamom Muffins

(Makes 1.5 dozen)

Ingredients:

2 1/4 cups all-purpose flour
2 tsp baking powder
1 1/2 tsp baking soda
1/2 tsp salt
2 tsp ground cardamom
1/2 cup granulated sugar
1/2 cup packed brown sugar
1/2 cup unsalted butter (plus more to grease), room temperature
2 large eggs
1 tsp vanilla extract
1 zest of orange
1/3 cup orange juice
1 cup chocolate chips

Steps:

1. Preheat oven to 350°F. Butter 16 muffin cups. In a medium bowl, combine flour, baking powder, baking soda, salt, and cardamom. Mix well. Set aside.

2. In a large bowl, add the sugar and butter and whisk for a few minutes until fluffy. Next add the eggs, vanilla, orange zest, orange juice, and chocolate chips. Stir until just combined and lump-free.

3. Drop batter evenly into muffin tins. Put in oven and bake for about 18 minutes or until a toothpick comes out clean. Remove and enjoy!

Emory

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the top 5 money mistakes canadians make and how to avoid them

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Money is a sensitive subject for many of us. No matter how much money people have, it can be a source of stress and anxiety. If you struggle to manage your money, it’s essential to take action sooner rather than later. Money mistakes can lead to financial instability, which can negatively affect other areas of your life. But with the proper knowledge, you can avoid these common pitfalls when dealing with money. Read on to learn more about Canadians’ top money mistakes and how to avoid them.

No Financial Plan

Financial planning is about more than just setting a goal for how much money you want in the bank in five years. The first and most important financial planning step is creating a financial plan. If you don’t have a financial plan, you cannot know how much money you should be saving each month or how much you should be investing. 

Knowing where your money goes is an essential first step in financial planning. It’s also about figuring out how you’re going to get there. You can start by creating a spending journal to find areas where you can cut back on spending. If you’re unsure where to start, you can talk to a financial advisor or use online tools to guide you through the process. 

After you have a better idea of your spending, you can create a budget, keep track of your savings, and start to make financial decisions that will enable you to reach your goals.

No Emergency Savings

What constitutes a financial emergency? Nearly 40% of Canadians say their bank accounts cannot deal with a financial emergency. This can be anything above your regular outgoings, and for any Canadians living paycheck to paycheck, this can be debilitating. Financial emergencies can mean different things to different people, from having to find money in the event of an unexcepted death and needing to pay for a funeral or casket from Memorials.com to having your car break down and being unable to get to work without a vehicle.

An emergency fund can hope you mitigate the costs of some of these issues by giving you a financial buffer when things go wrong. Start by putting a small but manageable amount into your monthly savings, and then watch it build over time until you need it.

Taking On Too Much Debt

While it’s great to have ambition, you also need to be smart about the amount of debt you take on. If you’re taking on too much debt, there’s a good chance you’ll have financial difficulties later on. This can severely affect your finances, mental health, and relationships. Some forms of debt are worse than others. 

For example, you should try to avoid using credit cards. Credit cards are easy to abuse, and they often end in financial trouble. Take a look at your earnings and what debt you have accumulated, and start planning to have it all paid off sooner rather than later. You can look into professional debt advice or take on many popular debt challenges to help you pay off your debts as fast as possible. This includes loans, credit card mortgages, and car finance.

Not Having Insurance

Having the correct type of insurance coverage can help protect your financial future. For example, health insurance can cover medical costs not covered by provincial health care plans, such as doctor’s visits or hospitalization. Disability insurance can help replace a portion of your income if you cannot work due to injury or illness. Car insurance can protect you from financial responsibility if you cause an accident. Not having insurance coverage can lead to missed savings goals, such as not being able to save as much for retirement due to high health care costs and missed investment opportunities. Many of these things are difficult or impossible to pay out-of-pocket, which can strain your finances. If you aren’t sure which insurance coverage you need, speak with a financial advisor.

Not Preparing For Retirement

Retirement planning is something that should start as soon as possible. While the right financial approach can help you reach your retirement goals, many people aren’t doing enough to prepare for retirement. According to one survey, more than half of Canadian workers are not saving enough for retirement, and less than half have a financial plan. Many people don’t start saving for retirement until they’re in their 40s or 50s, making reaching your retirement goals even more difficult. Retirement planning is not something that should be skipped or ignored. There are ways to catch up if you struggle to reach your retirement goals. Setting up an automatic retirement plan, such as an RRSP or a 401(k) plan, can help you save regularly for retirement.

Spending More Than You Earn

It’s difficult to avoid overspending. This is something that almost all people do at some point. Many people turn to credit to make up the difference between what they earn and what they spend. And for many people, it’s a slippery slope from occasionally taking out a loan or a credit card to relying on debt for everyday expenses. This can lead to financial problems, missed savings goals, and other money mistakes. The first step to avoiding overspending is to create a budget. A budget can help you visualize your income and expenses and make it easier to spot areas where you’re spending too much. Many budgeting apps can make the process more manageable if you’re having trouble creating a budget.

Conclusion

There are plenty of ways to make money, but not all are good ideas. Investing in yourself and your skills is the best way to make money. This will enable you to charge higher rates for your services or create products with higher value. If you struggle with money, take a step back and examine where you may be making mistakes. Once you become aware of your spending and saving habits, it’s easier to correct them. Once you’ve corrected these money mistakes, you’ll be better positioned to start making money the way you want.

** This was a contributed post.

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9 months old


Beau Emmanuelle is 9 months old (and some change, because third baby and moving amiright?). It has been nearly 18 months of her growing both on the inside and outside of me.

So what has changed over these last few weeks? A LOT!


She now:

– crawls!

– walks along furniture

– does hand signals when asked (claps, waves, lifts arms in the air)

– plays peekaboo

– dances to all music

– has pretty much said her first word a couple of times, “mama” 💛💛


How is it that every month she learns more and more? She still manages to amaze me.

Have a lovely week! Hope you are enjoying all things back-to-school.


Emory

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