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Talking with your children about their body and sex can be uncomfortable for many parents. However, the earlier your talk with your children about human development and puberty, the more open your children may be to coming to you about questions or concerns as they get older.

We’ve all had moments where we feel at odds with ourselves. Maybe it happens when our partner says something hurtful. In that moment, part of us wants to run out of the room; part of us feels vulnerable and hurt; part of us knows they didn’t really mean it, and part of us might feel ashamed of having these feelings at all. We might even tell a friend later, “Part of me wanted to scream at him and part of me was so embarrassed that I even cared.

It’s that time of year where we take stock and plan for the future. You may want to focus time on budgeting this year. As a CPA and mother of 3, I have some great tips to start the process and get you thinking.