-Tracey Frost Rensky, CEO and Co-founder, Citibabes 

There I was the other morning at a make-up counter, struck by the sudden reality of the situation: I was actually looking for that product they’re always advertising – the one that fights wrinkles and breakouts at the same time! It certainly didn’t seem fair. After all, if I’ve got to deal with the fine lines that come with entering the second half of my thirties, I should at least get a free pass on that occasional blemish or two. And yet, there I stood, searching for some magic potion to help me with both my skin’s past and its inevitable future.

For a lot of the parents I talk to, their family’s finances pose the same kind of conundrum. Here we are in our thirties and forties, but many of us still haven’t paid off all of our student loans yet. And who can blame us? With college and graduate tuitions what they are, it’s not wonder it took President Obama and his wife over a decade after their graduation to pay for their law degrees.

Of course, at the same time, we want to look ahead and save for our child’s education – not to mention buying an apartment or home and stashing a little something away for our own retirement one day. And here’s what I’ve found in my practice and parent interviews: no matter how much money you make, there almost always seems to be competing demands on a family’s resources – all of which feel equally important when it comes to planning the best possible financial future for our children and putting aside a nice nest egg for our golden years.

So what is the best strategy exactly? When it comes to your family’s finances: who and what should come first?

Paying Off School loans vs. Saving For College

The general rule of thumb among personal finance experts: you should pay off any debt you have before your family starts saving. After all, it doesn’t make much sense to pay the high interest on your credit cards or home equity loans when you’re getting a lower return on your investments or savings account. But school loans aren’t as cut and dry, because they often have such favorable rates.

Take a quiet moment and sit down with your statements. Look at the APR (annual percentage rate) on any of the outstanding student loans that you and your partner still have, and do a little comparison “shopping.” Before you open up a new college savings plan for your kid or add extra money each month (or this year) to an existing one, look at the returns and make a calculated decision. If you’ve got a super low APR on your student debt, the answer is fairly straightforward: invest in your kid’s college plan. Don’t pay off those student loans quite yet.

Saving For College vs. Saving For Retirement

Financial experts uniformly agree: if you can only afford to save for one right now, your retirement should come before your child’s college fund. Here’s why: there are loads of options when it comes to financing higher education:  student aid, public and private student loans, scholarships, grants and work study programs. But there just isn’t the same kind of help out there to finance your old age.

Hard as it may be for many of us to hear (and act on!), it really is better for you and your children to max-out any tax advantaged retirement account you can before you put money in their college savings plan.

Paying Off Your Mortgage vs. Savings

For the majority of families I meet, their monthly housing cost is their largest recurring expense, and many of them wonder if owning their home (or more of it) outright should come before saving either for college or retirement.

On the one hand, interest rates are at all time low, so it certainly can make sense to have some mortgage debt. But at the same time, that big payment every month eats up your cash flow. And, imagine if you had no monthly housing bill to worry about for your retirement – if you could eliminate that liability from your balance sheet? In this way, paying down your mortgage is a way of saving for your golden years.

Take a hard look at your family’s bottom line. Is your mortgage payment stressing you out every month? Causing a strain on your family’s day-to-day finances? Would having the extra cash flow help you keep things off of your credit card or feel less crunched? If so, try freeing up more cash for your family before you start socking it away in savings.

By Jacoba Urist, Esq., Citibabes Member, and “The Happiest Parent”

Jacoba Urist is a lawyer, Citibabes mom, and family finance writer in Manhattan. She received her JD and LL.M in Taxation from New York University School of Law.

Her writing regularly appears on the Huffington Post and has been published on MSN Money and The Today Show.

One organization that does just that is ArtXplorers, which specializes in interactive tours of art museums for children. The students in our CitiSchool 4s program are excited for their ArtXplorer adventure to the New Museum in April. There they will view select pieces of the Triennial exhibition as well as discuss materials and the use of ordinary objects used to make works of art. The tour will end with an art project inspired by art pieces the students viewed. Here Natasha Schlesinger, founder of ArtXplorers, shares how you can have an art adventure at a museum with your child.

-Tracey Frost Rensky, CEO & Co-founder, Citibabes

Many parents wonder how old children have to be to go to a museum. You can take your child to a museum at any age and let them walk through or play there to get a sense of museum as a place to go to for fun. When it comes to participating in organized classes such as those that ArtXplorers offer,  I would suggest waiting until they are about three or four years old.

So how do you take a young child to a museum?

Here are a few tips. Pick a topic that you will cover once you get there (for example: colors, shapes, animals, stories, or materials) and concentrate on that theme for the duration of the excursion. Modern art is a wonderful way to introduce children to colors and shapes. Animal themes can be applicable to many different periods and cultures. If you are not going to participate in an organized tour, here are a few suggestions of museums to go to and what to see once you get there.

Metropolitan Museum of Art: This museum offers so many opportunities for fantastic thematic trips such as colors and shapes in the Modern Art galleries and animals in the arts of Africa and Oceania galleries. You can do story-telling in the Old Master paintings galleries and I-spy in the 19th century paintings galleries. For slightly older kids who are being introduced to mythology, ancient Greek and Roman galleries are wonderful to discover their favorite action heroes.

Guggenheim Museum: The spiral form of the museum alone is reason enough to bring your little ones here. The museum also offers an opportunity to discover other shapes as well as climb the spiral ramp for temporary exhibits such as the John Chamberlain retrospective which is taking place now.

Whitney Museum of American Art: The Whitney Biennial is currently on view and the museum is filled to the brim with contemporary art as well as performances. Kids will certainly respond to all that excitement and action happening on every floor. One of my favorite works at the museum is the Alexander Calder Circus which is often on view and should not to be missed.  The animals were all made by Calder out of found materials such as cork, fabric, and wire and kids will certainly be drawn to these whimsical creations wanting to produce something of their own when they get home.

And this leads me to suggest another aspect of your museum-going experience with the children – the art project during or after your tour. At the very least you should take paper and pencils to the museum. The kids can sit down on the floor of most places and just create. But if you are feeling more crafty, you can also bring some tape, foil, string, pipe cleaners, colored paper or fabric, and see what your child can come up with these objects!

Art adventures should excite and inspire and it’s never too soon to start your kids on an art journey of a lifetime.

By Natasha Schlesinger, Founder, ArtXplorers

ArtXplorers is a multiple-media platform that offers interactive and fun art tours for kids 3 years of age and older to over 25 museums in NY as well as virtual art tours and they are in the process of developing art game apps and products. ArtXplorers will also now be available on Ameba TV (subscription based Internet TV for kids). For more information, please visit www.artxplorers.com and www.artmuseny.com.

Traveling to London with your children may sound like a headache, but with so much to do and see in the city, it’s definitely worth it. And who better to provide an “inside scoop” to London than CitiScoop’s Travel Expert and new resident of London, Christina Ohly Evans.

-Tracey Frost Rensky, CEO and Co-founder, Citibabes

Looking for an easy European vacation with kids? It doesn’t get any better than London, with its endless parks and green spaces, free museums, and incredibly kind cab drivers. I have the good fortune to be living here for the year and in addition to local explorations, London is the perfect jumping off point for trips to the rest of the United Kingdom (Scotland is beyond beautiful) as well as continental Europe. So set your fears of jet lag and insane expense aside (OK, it is a bit pricey), and explore this special city’s pubs, theaters, monuments and more – and all with children in tow…

STAY

Number 16: Families are always welcome at this boutique hotel, part of the UK’s Firmdale Hotels chain (they own Crosby Street Hotel in NYC).  A quiet oasis in the heart of South Kensington, Number 16 feels like staying at a friend’s house (if you had a posh English friend with an extremely large spread), complete with a colorful library, a conservatory, and a secluded back garden. Children will love the scale of the place – as well as the endless DVDs and popcorn – while you will appreciate being in walking distance of everything from the Science Museum to the Brompton Cross area with its restaurants, shops, quaint streets and picturesque squares. Take tea all day long in the area of your choosing (the garden is ideal on a summer day) or enlist the help of the cheerful concierge to get tickets to a show at nearby Royal Albert Hall.

Claridge’s: When it comes to hotels, nobody does it better than the Brits. And this is certainly the case at Claridge’s, the bustling Art Deco gem located in the heart of Mayfair. While this luxury hotel caters to business travelers and big spenders, they also genuinely “get” kids and their needs.  Enlist the help of their amazing concierges who will orchestrate everything from a day at LegoLand in nearby Windsor, to high tea, to hard-to-score theatre tickets.  If y

ou fancy a night out, experienced, engaging babysitters are on call and you’ll be in striking distance to such delicious restaurants as Gordon Ramsay (just downstairs), C London (formerly Cipriani) and Scott’s, a seafood institution.

The Corinthia: If you’d like to be in walking distance of Trafalgar Square, the London Eye, and Covent Garden, then nest at the swank Corinthia where a “Family Friendly” offer is on through December 31, 2012. The package includes two interconnecting rooms (the second room is free), champagne upon arrival, full English breakfast for four, games and much more.  Kids will love feasting at the Northall, one of the hotel’s several restaurants, that features some of the best steaks, locally-sourced fish, and crispiest chips in town.  Retreat to the ESPA Spa, a four floor sanctuary with every imaginable treatment (the concierge will be happy to help with a sitter), or take older kids to the sleek, steel swimming pool for a little afternoon refreshment.

The Berkeley: If you’re considering a summer visit, then the Berkeley is a great bet for its rooftop pool alone. Situated across from Hyde Park, The Berkeley is always buzzing with celebrities, captains of industry… and yes, kids. You’ll love the muted tones of recently renovated rooms, while children will delight in their proximity to green space, a special “kid’s concierge” to arrange cool activities for every age, as well as mezze and snacks from the Caramel Room restaurant on the ground floor.  Parents, definitely make time for a glass of wine and some tasty tapas in the chic simple Blue Bar. If the fine dining at their Marcus Wareing restaurant doesn’t appeal to smaller palates (the menu is heavy on local specialties such as Orkney scallops, Dorset turbot, Hardwick mutton, etc.), then nip just down the street to Wagamama in the basement of shopping mecca, Harvey Nichols. Warm bowls of udon and freshly squeezed juices will fuel everyone for afternoons of sightseeing.

Four Seasons Park Lane: Conveniently located at Hyde Park Corner, the newly refurbished Four Seasons is a kid (and parent!) delight.  Rooms are spacious, quiet, and best of all the hotel attends to every child need – from age appropriate amenities (bathrobes and slippers for older kids; bath gels and whatever else you may need for babies) to an expansive library of DVDs to a concierge who will plan perfect days – and evenings – out. Take advantage of the hotel’s proximity to Hyde Park where kids can feed the swans or frolic in one of many playgrounds.

MyHotel: At the other end of the spectrum you’ll find myHotel, a boutique inn  nestled in the quiet neighborhood of Chelsea.  This small spot is slightly mod and a bit worn around the edges, but is perfect for families due to its proximity to cultural highlights such as the Victoria & Albert Museum, St. Luke’s Park and playground, as well kid-friendly dining at rotating sushi bar, Itsu, on Walton Street.  Opt for one of the family-friendly accommodations that includes a separate living room area, flat screen TVs, a library of DVDs, as well as free wifi.  The breakfast buffet is a plus, as are free muffins and the psychedelic fish tank in the lobby.

Sloane Square Hotel: Another affordable (relatively speaking!) option is this Chelsea hotel featuring Club rooms that work well for families, an in-house Brasserie for those jet-lagged burger cravings, and easy access to both the tube station and shopping on the King’s Road.  This is a great place from which to explore the Natural History Museum, mega-store Peter Jones (just across the Square), as well as the green spaces of the nearby Royal Hospital Gardens, site of the fantastic Chelsea Flower Show each May.

PLAY

Hyde Park and Kensington Gardens: No trip to London would ever be complete without a romp in Kensington Gardens and adjacent Hyde Park.  In addition to lakes, meandering paths, swans and rental loungers (just in case the sun shines bright), you’ll find playgrounds galore.  The best one by far is the Princess Diana Memorial Playground, just past Kensington Palace and near the top of Notting Hill Gate. This Peter Pan themed play space features a safety gate so you won’t have to worry about little ones escaping, as well as a giant pirate ship for climbing and imaginative play. Sand and water areas abound, as well as massive slides, ladders, musical machines and swings of all sizes. After a morning spent outdoors, have lunch at the Serpentine Bar & Kitchen (mid-park) or collect a picnic from nearby WholeFoods (Kensington High Street) and eat amidst the flowers at the south end of the park.

Science Museum: Along with San Francisco’s Exploratorium, this is one of the greatest science museums for kids anywhere on the planet. Spend a rainy morning exploring everything from massive turbines to 3D movies to rocket ships and much more. Very young children will love The Garden, a water play area full of hands-on activities, while ages 5-8 will be amazed by the Pattern Pod where they’ll learn through touch screens and colorful exhibits. Don’t miss the Who Am I? exhibit and the flight simulation theater.

LEGOLAND: When your kids have had enough proper “culture”, spend a day at LegoLand in nearby Windsor.  Just a short drive or train ride away, LEGOLAND is a guaranteed hit for children ages 3-12 years old.  This clean, interactive park features over 55 rides (wear appropriate clothing for water rides), building workshops, live entertainment and more.  Set in 150 acres of woods, LEGOLAND is a great escape from the hustle and bustle of central London.  Don’t miss the Kingdom of the Pharaohs and the Vikings’ River Splash on a warm summer’s day.

The London Eye: This amazing piece of engineering is a great way to see all of London from many different perspectives. Book your “flight” in advance as this is one of the most popular tourist sites in all of Europe and lines during the summer months can be quite long.  Each full ride takes approximately 30 minutes and children can wander about the capsule freely which makes this workable for all ages, babies in strollers and so forth.  The views of St. Paul’s, the Houses of Parliament and Big Ben, as well as the meandering Thames are well worth the journey.

Tate Modern: While the collections of contemporary art may not be every kid’s favorite, they’ll marvel at the sheer enormous space that houses these works. This former turbine factory now serves as a museum that spreads out over seven lofty floors, and everyone will be dazzled by colorful works by such artists as Henri Matisse, Andy Warhol, and Britain’s own, David Hockney. Check out special family programming by date, and consider taking a Tate to Tate boat ride (from the Tate Britain to the Tate Modern) on the Thames. Boats leave every forty minutes and tickets can be purchased in advance online. Other pluses here include the well-stocked gift shop – you’ll find the best children’s books, tasteful t-shirts, and more – and Cafe 2, a great spot for a lunch of fish and chips overlooking the river.

Tower of London: Children of all ages will be fascinated by this complex of towers, former jail cells, and the stunning collection of Crown Jewels. Over 20,000 gems make up this display, and it includes everything from rare diamonds to tiaras to sceptres and more. Visit the White Tower, a castle keep designed to keep away foreign invaders where kids can wear a gauntlet, draw a bow and generally learn about life in the tower through the centuries. A Yeoman Warder tour – by the iconic royal bodyguards known as “Beefeaters” – is included in the price of admission is an entertaining way to learn about the Tower and its’ history of torture and intrigue. Be sure to book tickets online, especially during busy summer months.

Victoria & Albert Museum: You’ll find something for everyone at this mega collection devoted to the worlds of art and design.  From special fashion exhibits to the rooms devoted to the history of rock n’ roll, kids will get swept up in the wide array of objects on display.  Grab an Activity Back-pack, a special program designed for kids ages 5-12 years, and explore the galleries through fantastic stories, games, and treasure hunts.  Choose from themes such as The Emperor’s Party where kids imagine they are Indian royalty preparing for a gala, or the Time Traveler where they enter Medieval European life. Children under 5 get Agent Animal backpacks where an audio maps and colorful sensory cubes help them find animals hidden throughout the Asian galleries.

Westminster Abbey: Explore this 700 year old building in the heart of London.  Kids will love the low-key scavenger hunts that are on offer throughout this gem of Gothic architecture.  Kids ages 5+ can follow little books that help them to discover everything from stained glass windows to artifacts to burial sites.  Be sure to visit the Abbey Gardens for a breath of fresh in warmer months.

Other best bets for kids: The London Aquarium, The London Zoo and Regent’s Park, the War Rooms (for children ages 8+), St. Paul’s Cathedral, and the less well-known but completely wonderful, Sir John Soane’s Museum.

EAT

E&O and Eight Over Eight: While these restaurants get quite hip after 8 p.m., they are the perfect place to feed a family early.  Grown-ups shouldn’t miss their black cod with miso or their fresh Pad Thai (shrimp, chick or veggie versions), while children can sample crispy squid, chicken and snow pea shu mai or delicious fried rice dishes. Virtually the same menu is on offer at Eight Over Eight in nearby Chelsea, and the people watching at both spots is generally a big plus.

Itsu: Another small chain concept, Itsu is all about conveyor belt “sushi” with a twist.  These restaurants are fun as much for the experience of picking tapas-style plates off the belt as they pass by, as it is about the food.  You’ll find Itsu’s take on everything from California rolls to tuna ceviche, and the spinach and sesame salad should not be missed.  Order hot dishes such as chicken skewers for smaller children or a la carte tuna and salmon sushi for more adventurous eaters.

Made in Italy: For unbelievably fresh pizza and pasta and grilled fish, head straight to one of these warm and inviting restaurants that work well for all ages.  You’ll find the freshest antipasti – Bruschettina Mediterranea and Frittura di Calamari e Zucchini – as well as rigatoni with homemade meatballs and pizzas made to order.  Enormous wooden slabs emerge from wood-fired ovens and feature every topping imaginable. The Capricciosa (mozzarella, sausage, mushrooms, artichokes, ham) is not to be missed!

Maroush: With several locations scattered throughout London, these Lebanese favorites always deliver.  With an emphasis on fresh vegetables, mezze, and grilled chicken, lamb, and fish, they are the perfect place to expand your child’s palate while surrounding them with familiar foods at the same time.  Start with hummous and housemade pita bread, falafel, and their signature Maroush salad.  An order of Shish Taouk (marinated, grilled chicken skewers) with a side of Lebanese vermicelli rice will please even the pickiest of eaters and assorted baklava cap off any meal.  Relatively cheap, always cheerful, Maroush is a must while in London.

Ottolenghi: If you’re looking for great take-away vs. a sit down meal, then Ottolenghi is a great option for delicious prepared salads, upscale sandwiches and killer s’mores and meringues for dessert.  With four locations from Islington to Kensington, this is the perfect place to amass a picnic and head to either Regent’s or Hyde Park. If you’re looking for a more formal meal with the same emphasis on healthy grains, fish and chicken dishes as well as interesting salads, then try Nopi, Yotem Ottolenghi’s new restaurant which features communal tables and is perfectly located for pre-theater dining.

Pizza East: With Shoreditch and Notting Hill locations, Pizza East is a family dream come true with its combination of food kids love combined with a great atmosphere for parents.  Kids of all ages will feel comfortable in the open and airy Shoreditch restaurant that holds up to 170 people and offers everything from fig, burrata, and honeycomb bruschetta to the classic pizza margherita.  These inventive takes on the classic pizzeria make Pizza East incredibly popular so be sure to book ahead if possible.

Wagamama: This chain of noodle bars has been around for years, but the healthy fare, lively atmosphere and communal tables never get old.  Pick from steaming bowls of ramen and udon, rice dishes as well as raw salads and freshly squeezed juices.  The kids menu features mini versions of adult favorites as well chicken katsu and cod cubes, which little people love.  Think open, airy cafeteria style dining which is perfect for families on the go.

Ziani’s: This warm Venetian eatery hasn’t changed much through the years and families always feel welcome at this Chelsea eatery.  Order homemade pastas and lasagna, charcoal grilled fish, or the delicious veal milanese and everyone will be truly happy. A dessert of profiteroles is a must and if you happen to be celebrating a birthday, they’ll help you with song, dance a killer cake.  Ziani’s is located near Sloane Square which is perfect for shopping along the King’s Road, visiting the Chelsea Gardener (outdoor market and food area), and for a quick stop at the St. Luke’s playground (perfect for kids ages 1-5 years).

SHOP

Caramel Baby & Child: Although you can find this brand in the States now, Caramel Baby & Child’s UK boutique offers a wider array of lovely hand-knit items for ages 0-6 years. These clothes, shoes and accessories are not only fashionable (you’ll wish they made smart coats and hand-woven knits in your size) but they are also completely functional and well made.  Stock up on baby gifts – the cardigans are especially adorable – as well as uniquely British books and toys for the toddler set.

Hamley’s: This much-loved store specializes in plush toys and you’ll find animals of every imaginable shape and size here. In addition, there are massive amounts of Legos, Barbies, action figures and more at this 250 year-old institution.  This spot is as much for looking as for buying, but kids will love spending a rainy afternoon looking through endless playthings.

Harrods: Yes, it’s big and garrish, but it is also a mandatory stop on any trip to London.  Spread across seven enormous floors, you’ll find everything from couture to Barbour rain gear for kids to gifts galore. Their toy department is massive – and very interactive – so kids can touch and play with everything from art projects to flying helicopters. There are also numerous restaurants and cafes spread throughout the building, and kids will especially love the Ice Cream Parlour on the 2nd floor, conveniently located near the toy section.  Don’t miss the famous Food Hall on the first floor where you can stock up on overpriced lemon curd and delicious Laduree macaroons to remember your trip.

Liberty: Located in an iconic Tudor building just off Regent Street, Liberty is a piece of British history that continues to grow from strength to strength (as they say). They carry the best selection of stationary and letterpress note cards anywhere, as well as fine clothing, home decor items, jewelry and more. The building itself is part of the draw here and the fabric section – complete with all of the fantastic floral prints that the brand is known for – is worth the visit alone. Afternoon tea and biscuits at the cafe offers the perfect pick-me-up for all ages.

Marks & Spencer: Affectionately known as M&S, this chain is the workhorse of London shopping life.  You’ll find everything here from children’s clothing to the socks you forgot to pack to a wonderful supermarket of sorts. While many find it odd to buy everything from underwear to fresh fruit under one roof, M&S manages to do it well. This is the perfect place to gather a picnic lunch or to stock up on breakfast foods for your hotel room. Don’t miss their selection of berries, cheeses and freshly baked goods. Multiple locations throughout the city.

Trotters: This is a great place to stock up on British clothes and accessories for little people. You’ll find such sweet items as Aigle boots, quilted jackets, and sweet Union Jack sweaters, too. In addition, there is a wide array of accessories on offer including hair things, hats and mittens, and a well-edited selection of books for ages 0-8 years. Trotters also specializes in haircuts and proper shoe fittings so if you’ve forgotten to do either back home, then this is the place for your kids.

By Christina Ohly Evans, CitiScoop’s Travel Expert

I am fortunate (and so thankful) that my family does not suffer from food allergies. We have so many friends whose children have nut allergies and I admire the way they are able to handle this allergy without making it a bigger problem. Here, Karen Diaz, RD, healthylivingforlife.com, explains some basic facts about food allergies and shares some food alternatives you can consider if your little one has a food allergy.

-Tracey Frost Rensky, CEO and Co-founder, Citibabes

Hearing that your child has a food allergy and/or watching your child have an allergic reaction to a food can be frightening and a cause for anxiety. Parents and patients are left with many questions. What is a food allergy? Is it curable? How are we going to manage this? With all of the questions running through your head it can be overwhelming, but the key to managing one’s food allergy is education. By learning how to deal with the food allergy and finding the appropriate support as well as foods, you and your family can be on the way to a more relaxed lifestyle for eating out and home.

A food allergy is when the immune system recognizes the protein in a specific food as harmful. The immune system immediately wants to protect the body. It will create antibodies to attach the food (specifically the protein) once it is ingested. Your body will also release chemicals that can cause the reactions like wheezing, skin rashes, itchiness, hives, tightened throat, diarrhea, vomiting, and sneezing. The reactions can be immediate or delayed by up to two hours after ingestion. Reactions can be different for each individual. In order to avoid this reaction the food needs to be eliminated from the diet completely. Your doctor should also provide you with the appropriate medication, epinephrine, should an accidental ingestion occur. This medication comes in a self-injectable device called the EpiPen. The allergy may last a lifetime or a patient may outgrow it. If your doctor feels your child may have outgrown the food allergy it is wise to schedule a food challenge in a doctor’s office or hospital setting to assure appropriate safety precautions are taken if a reaction were to occur. If you are having difficulty identifying whether an allergy is present, see your doctor before eliminating foods that may be essential for appropriate nutrition. A thorough food diary with corresponding symptoms plus blood and skin testing for allergies will help lead you to identifying the specific food protein you are allergic to.

The most common food allergies are milk, egg, soy, wheat, peanut, tree nut, fish, and shellfish. Once you know a food allergy is present, how do you manage? A Registered Dietitian that has knowledge of food allergies can assist you. The RD will assist you in label reading to properly identify the presence of the food protein. S/He can also give you baking tips to prepare your own allergy free recipes.

Here are some tips to cope with the most common food allergens.

Milk

Substitute milk in recipes for equal parts water, fruit juice, rice milk, or soy milk. (Check with your nutritionist for possible milk contamination with rice or soy milk. One safe product is Soy Dream and Rice Dream). Be aware of hidden sources, like some canned tuna, deli meat, and restaurant meats that may be cooked with butter. If a food has the kosher label D or DE, milk is present or the product was produces on equipment shared by dairy.

Peanut/Tree Nut

Most patients who are diagnosed with peanut allergy are told to avoid all tree nuts even if they were never tested. There is a higher chance they will have an allergy to tree nuts and most nuts or nut butters are packaged in a facility with other nuts including peanuts. Seeds are also typically contaminated with nuts, especially sunflower seeds. Other common sources of contamination include chocolate, bakery and ice cream shop items, and ethnic foods like Chinese and Thai. Most peanut allergy children can have peanut oil, but should check with their doctor first.

Wheat

This is different than celiac disease, a permanent adverse reaction to gluten, which is included in the major grains of wheat, rye, oat, and barley. Wheat allergy means avoidance of only wheat products. You may want to experiment with different types of flours when substituting white or wheat flour in a recipe to find the appropriate texture. Always read labels because even foods like hot dogs and ice cream may contain a wheat product.

Egg

Reading labels is important with baked products, including pasta. In addition to the food label, check with your nutritionist or manufacturer to assure the product is not produces on the same equipment as egg. Recipe substitution can be made with egg replacer. For other substitution ideas, see your nutritionist.

Soy

Many products contain soy or soybean, like cereal, baked goods, canned tuna, and soups to name a few. Soy has increased in popularity so check with restaurants and manufacturers for cross contamination.

Fish/Shellfish

If you test positive to one fish or shellfish, it is better to avoid all and get further testing before including other types in your diet.

Oral Food Allergy

This is usually a cross allergy between fruits and outside allergens like pollen and birch. Cooking fruits will denature the protein and should then be safe to include in the diet. Always check with your allergist first.

The key to food allergies are properly reading food labels, knowing hidden sources, learning recipe substitutions, and identifying sources for cross contamination. Don’t be afraid to ask multiple questions when out at a store or restaurant. If there are any doubts about a product, ask your nutritionist or check on the Food Allergy & Anaphylaxis Network website. You can visit the FAAN website and sign up for alerts on new products or changes in existing products.

By Karen Diaz, RD, healthylivingforlife.com

This article was originally published in Laura Cipullo’s newsletter: Whole Nutrition News. For more information, please visit LauraCipulloLLC.com and be sure to check out her newest blog Mom Dishes it Out, which shares her experiences of trying to teach her children to be healthy and happy eaters.

Of course the girls’ rooms have evolved over the years – cribs have become beds, yellow (for Chloe) and pink (for Natasha) walls and accents have arisen, and new faces have been added to the walls. “Decorating from the heart” not only helps bring a piece of you and your family tradition to your baby at an early age, but also provides adorable décor as illustrated here by Baby Green’s eco-friendly interior designer, Amanda Moore. 

-Tracey Frost Rensky, CEO and Co-founder, Citibabes

Just like in fashion, each year there is an onslaught of decorating trends, from the year’s “hottest” colors to the most coveted décor themes (avian imagery and global inspiration are two that have topped recent lists). But every design savvy parent knows that any hue or theme – whether “in” or “out” – is welcome in our children’s rooms. It is the one room in which there truly are no rules. As a seasoned nursery designer, I always recommend that my clients put down the magazines, power off HGTV and first look within (and maybe also in the attic!) to create a space with a strong emotional connection and lots of personal flair. Here are a few ways to do just that:

Heirlooms

I love the idea of designing a nursery around a single sentimental keepsake: a great grandmother’s locket, your own retro childhood sheets, even a collection of vintage salt-shakers – anything that made it into your boxes of beloved keepsakes is fair game for inspiring a color palette or to be incorporated directly as unique wall décor. (These pieces of vintage textiles framed in stretchers, from Diary of a Quilter, would be adorable in a child’s room.)

Heritage

Many of my clients want their origins or ethnic backgrounds worked into their babies’ rooms for their own sentimentality as well as a subtle way to introduce children to their lineage as they develop. A native textile on the wall, a creative family photo tree, or geographical maps all provide such a connection. (I’m especially smitten with the ‘My Roots’ collection from Children Inspire Design’s Etsy Shop.)

Hobbies

Toddlers will quickly develop their own interests and gifts and then it may be time for a “re-design,” but when preparing a newborn’s room, it’s a fun idea to consider representing mom and dad’s favorite pastimes in a child-friendly way. Charlie Sheen, a Yankee fanatic, had only one request for his twin boys’ room when I was designing it: a discreet baseball theme. We pinstriped the adjoining bathroom walls and found a giant baseball bat to hang above a daybed. It didn’t scream “baseball theme” but made dad happy. Ana Ortiz wanted to pull in her husband’s love of his native California beaches in her first daughter’s windowless Brooklyn nursery, so all colors and patterns had a seaside feel. But you don’t have to be a celebrity to have your passions dictate your nursery style. Love music? Vintage record album covers look great in groups on a wall. Crazy about your job as an airplane pilot? Cover a wall in Wallcandy Arts peel-and-stick Summer Clouds wallpaper as an ode to your time in the sky.

Once you’ve decided on a point of inspiration, then it’s ok to crack open the magazines again, consult a designer to pull it together seamlessly, or hop online for tips on how other people incorporated such items or themes into their nurseries. Even if it’s been done before or was once trendy, because it comes from your heart this process will always create a room that is timeless and truly unique.

By Amanda Moore, Eco-friendly Interior Designer, Baby Green

-Tracey Frost Rensky, CEO and Co-founder, Citibabes

When I first moved to NYC from Arizona a few years ago, numerous people asked me if Arizona was just an endless desert with tumbleweeds blowing across the street. I’m not going to lie, I’ve seen my fair share of tumble weeds – and I have seen them blow across the street. But Arizona is so much more than that. It has cactus too!

STAY

Pointe Hilton Tapatio Cliffs Resort: Five words – three acres of swimming pools. Not convinced yet? Then share this bit of information with your children: 138-foot waterslide. Done! Located only a short 20 minutes away from Phoenix Sky Harbor International Airport, this hotel is perfect for the entire family. With an 18-hole golf course, a full-service spa & salon, tennis courts, a workout center, hiking trails, and The Falls Water Village, there’s something for every member of your family to enjoy. Phoenix gets extremely hot in the summer (think high temperatures in the 100+ range from about May to August), so consider visiting in the spring or fall if you’re interested in the outdoor activities without the constant threat of heat stroke. And don’t forget the sun screen! @PointeHiltonTap

Loews Ventana Canyon: Nestled in Tucson’s beautiful Catalina Mountains, Loews Ventana Canyon offers a spectacular view of the surrounding Sonoran Desert. Take in the desert scenery with your family by enjoying a hike, a bike ride, nearby riding trails, or catch some rays (with sun screen, of course!) by one of their signature pools. Or simply relax at the Lakeside Spa, work out in their fitness center, or play golf on one of their PGA golf courses while your little ones are enrolled in the Coyote Kids Club! Family travel is made easy with their Loews Loves Kids program, including the Coyote Kids Club (which is unique to the Ventana Canyon resort) for children ages 4-12 years. Morning, afternoon, and all day sessions are available and include arts & crafts, desert walks, Koi Fish feeding, and more. Even the moodiest teens and tweens will find something to enjoy from stargazing to rappelling – and that in itself is worth the trip.  @LoewsVentana

Hilton Sedona Resort & Spa: Sedona’s spectacular red sandstone formations set the scene for this beautiful resort. Located near shopping, dining, and numerous art galleries, The Hilton Sedona Resort & Spa has an on-site 18-hole championship golf course, a full-service spa & salon, and three pools. Is your family feeling adventurous? Then float through the impossibly blue skies in a hot air balloon or take a jeep tour through the stunning red rock formations. It’s also a great backdrop to enjoy horseback riding and mountain biking. @HiltonSedona

EAT

El Guero Canelo: While not as abundant as the hot dog stands in NYC, Sonoran hot dog stands can be found all over Tucson, Phoenix, Nogales, and Sierra Vista – and no trip to Arizona is complete without tasting one. So what is a Sonoran hot dog? El Guero Canelo’s original starts with a homemade steamed bun and a hot dog wrapped in bacon and is then covered with beans, onions (grilled and fresh), tomatoes, mayonnaise, mustard, and jalapeno sauce. Don’t worry, your little one can order a plain hot dog or enjoy their tasty tacos, burritos, tortas, and caramelos. @ElGueroCanelo

Mi Nidito: Boasting famous guests like Bill Clinton, Madeleine Albright, and Enrique Iglesias, Mi Nidito has been a staple of Tucson Mexican cuisine since 1952. Enjoy their delicious tacos, burros, tostadas, enchiladas, tamales, flautas, chimichangas, or combination plates that include chile rellano, chorizo con huevos, and my favorite – carne con chile Colorado. You can also order the President’s Plate (ordered by Bill Clinton in 1999): bean tostada, birria taco, chile relleno, chicken enchilada, and beef tamale. Children can order tostadas, ground beef tacos (which aren’t too spicy), or even a side of chicken nuggets. The restaurant can get a little busy if you plan to eat at peak times (which is pretty much any time from 6:00 pm on), and they don’t take reservations so be prepared to wait – it’s well worth it.

Frost Gelato: Tucson (a.k.a. The Old Pueblo) can be extremely warm (especially in the summer) and as the two owners of Frost Gelato can attest to, there’s nothing better than a delicious frozen treat on a hot day. The owners first tasted gelato on a summer day in Rome. When they returned to the states and could not find anything that tasted as good as Italian gelato, they decided it was time to make their own and a new gelato shoppe was born! With ingredients imported from Italy, it’s no surprise that it has been voted “Best Ice Cream/Gelato/Frozen Dessert” by Tucson Lifestyle Magazine for 6 years in a row. After you take in the sight of the beautiful gelato on display, you may want to try a few samples before you make your final decision. While I am partial to the dark chocolate and seasalt caramel, there is a seemingly endless amount of flavors to chose from including bubble gum, caramel macchiato, chai tea, hazelnut, honey, nutella, peppermint, root beer, tiramisu, and more! There are even dietetic options like chocolate, espresso and hazelnut with no sugar added and an array of yummy fruit-flavored sorbets. Whatever your flavor, Frost Gelato will cure both your and your child’s sweet tooth.  @FrostGelato

Pinnacle Peak Patio: What began as a general store in 1957 is now the world’s largest western steakhouse and the perfect place for your family to enjoy a taste of the Old West. Choose from numerous seating options including the Gunslinger Saloon, the Sunset Patio which overlooks a cactus-garden, West 40 with a view of Pinnacle Peak, and many more. Parents will appreciate the taste of their entrees grilled over real mesquite wood and the “Lil’ Folks Vittels” include hot dogs, hamburgers, and chicken all served with with their secret recipe cowboy beans. Your children will get a kick out of the ties that hang from the raftors – a warning of their strict “no necktie policy” – so remind dad to leave his at home. Or if you want, have dad wear one that he doesn’t care about and they will cut it off him right at the table!

Carlos O’Brien’s: You may have noticed a pattern by now: Arizona has delicious Mexican food. Don’t let the name fool you, Carlos O’Brien’s Fine Mexican Food serves just that – fine Mexican food – and a lot of it! House favorites (in portions that are often big enough to share) include chicken chimichangas covered with jalapeno cream cheese and cheddar cheese, salmon with mango salsa, grilled chicken breast with ranchero sauce and cheese, and grilled shrimp with mango salsa. Children can enjoy classic favorites like chicken fingers, cheeseburgers, and grilled cheese or try the mini tacos, mini chimichanges, and bean burritos. @carlosobriens

SHOP

Scottsdale Fashion Square: If you’re ready to escape the heat and get in a little shopping, then visit Scottsdale Fashion Square. With 250 shops, every person in your family is sure to find something they like. Children will most likely drag you into the Build-A-Bear Workshop or the Disney Store, but you won’t mind after you’ve dragged them into Gucci, Neiman Marcus, Cartier, and Jimmy Choo. After your day of shopping, enjoy a nice meal at Grand Lux Cafe or Z Tejas Southwestern Grill, or simply grab something quick from Blue Burrito Grille or Five Guys Burgers and Fries. @ScottsdaleFS

La Encantada: Enjoy a shopping trip in this elegant outdoor shopping center complete with open courtyards, and beautiful Spanish-style architecture. Little ones will get a kick out of Mildred & Dildred, a locally owned toy store featuring toys that encourage imaginative play. Walk around, enjoy the outdoors, shop at your favorite Apple Store and browse Pottery Barn. If the desert is for some reason making you crave the sushi you usually eat at home, try RA Sushi Bar. Or dine on modern Italian cuisine at NoRTH. Don’t forget to pick up dessert at Frost Gelato, conveniently located in the shopping center. @ShopLaEncantada

Kid’s Center: Another locally owned Tucson toy store that your children will love is Kid’s Center. This toy store is packed from floor to ceiling (in a good way) with unique toys that are both entertaining and educational. They have a great selection of children’s books as well as exciting Creativity for Kids kits, puppets and stuffed animals, Breyer Horses, and so much more! Friendly staff members are there to help direct you to toys appropriate for your child’s age group and will even wrap presents if you can manage to sneak back to the store without your children.

LEARN

Pima Air & Space Museum: One of my favorite places to visit with my dad when I was young (and even now when I return to the Old Pueblo for a visit), the Pima Air & Space Museum is one of the largest air and space museums in the world. The museum has a great collection of World War II aircraft, giant B-52’s, NASA’s “Super Guppy” transport plane, Korean and Vietnam War aircraft, modern combat aircraft, as well as President Kennedy’s Air Force One. One tour you should be sure to take is the AMARG (Aerospace Maintenance Regeneration Group) tour – also referred to as the “Boneyard.” Bordering Davis-Monthan Air Force Base, AMARC is home to over 4,200 aircraft and other military equipment. Here the aircraft is stored and preserved, sometimes used for parts, and sometimes even restored to flying status.

Titan Missile Museum: Throughout the Cold War, there were 54 Titan II underground complexes that were on alert 24 hours a day, 7 days a week. They were capable of launching their 103 foot tall Titan II missile in 58 seconds which could reach its target – more than half a world away – within 30 minutes. All Titan underground complexes were deactivated and demolished by 1987 – except for this one. This once top secret and important component of the Cold War is now a National Historic Landmark. From one-hour guided tours to a Titan Overnight Experience, there are numerous options for your family to explore the underground missile site. You will learn all about the Cold War, view the 3-ton blast doors and the 8-foot thick silo walls that served as protection from an attack, and see an actual Titan II missile in the launch duct. You can also experience a simulated missile launch (one of you may even be able to sit in the seat and turn the launch key!). Check out their Facebook page for some awesome vintage photos and the occasional sunrise or sunset over the complex.

Arizona-Sonoran Desert Museum: If you want to learn about the plants, animals, and environment of the Sonoran Desert, then you must visit the Arizona-Sonoran Desert Museum. Home to over 300 animal species and 1,200 types of plants, this unique museum allows you to see the inhabitants of the Sonoran Desert in their natural environments. From mountain lions and prairie dogs to Gila monsters and javelinas, there are many exciting things to learn about on your tour of this 21 acre museum. Take advantage of some of their special tours like the “Walk on the Wild Side” where you can go behind the scenes at some of the animal exhibits, or the “Take a H.I.K.E!” tour which brings you up close and personal with snakes, lizards, frogs, and arachnids. And I realize I am beginning to sound like a broken record, but don’t forget the sunscreen when walking around the almost 2 miles of paths in the hot desert.

EXPLORE

Painted Desert and Petrified Forest: Once you leave the Four Corners area and find yourself in the northeastern part of Arizona, you may begin to notice sculptured hills and flat-topped mesas with beautiful blue, purple, white, orange, red, and pink banding colors. This is the Painted Desert and what you’re seeing are layers the Chinle rock formation, exposed, sculpted, and revealed by erosion over centuries. This special place ends just beyond the Petrified Forest, where you can find the fossils of fallen trees that date back to the Late Triassic (about 225 million years ago). Download the “A Trip Through Time” handout before you get there to share more information with your little ones. You can find hiking trails in both the Painted Desert and the Petrified Forest as well as many viewpoints where you can stop your car to take in the beautiful scenery. Just make sure that you don’t take any petrified wood on any of your hikes. It is estimated that 12 to 15 tons are lost every year because they are taken by visitors. Instill in your children the importance of leaving objects in their natural environment so they can be enjoyed by everyone. You’ll be teaching them a lesson and avoiding a stiff fine and penalty for theft. @PetrifiedNPS

Meteor Crater: In northern Arizona near Winslow lies  the world’s best preserved meteorite impact site. At nearly one mile across, 2.4 miles in circumference, and more than 550 feed deep, this crater is the remnants of an impact from an estimated 150 feet wide and several hundred thousand ton meteorite over 50,000 years ago. Guided tours of the rim are available as well as a “Collisions and Impacts” documentary that shows the meteor’s trip through the Earth’s atmosphere to its collision in northern Arizona. There is also a nearby RV Park where your family can rest and set up a base camp to enjoy day trips to the Painted Desert, Petrified Forest, and Grand Canyon.

Grand Canyon: No trip to Arizona is complete without a visit to the Grand Canyon. We’ve all seen it on the Brady Bunch, but nothing can quite prepare you for the breathtaking view as you overlook the 18 mile wide and 1 mile deep canyon carved by the Colorado River. Touring the canyon on mule-back is a century old tradition but unfortunately is not available for little ones under the age of 7. Alternatives include guided hikes, jeep and van tours, and helicopter tours. And just outside of Grand Canyon National Park is the Skywalk at Eagle Point, managed by the Hualapai Tribe and located on tribal lands. This glass bridge is suspended 4,000 feet above the Colorado River and projects about 70 feet from the edge of the canyon rim. Before you leave this majestic place, check the sunrise/sunset times to ensure your family gets the view of a lifetime as they catch an extraordinary Arizona sunset over the Grand Canyon. @GrandCanyonNPS

By Jayme Taylor, Editor in Chief, CitiScoop

This Valentine’s Day, Arizona will celebrate its centennial. Yes, Arizona became a state 100 years ago – on February 14^th, 1912. It was the 48^th state to be admitted to the union. Here are a few other facts about Arizona: its nickname is The Grand Canyon State; the state bird is the cactus wren; the state flower is a Saguaro blossom; the state capital is Phoenix; and the state gemstone is turquoise. Happy Birthday, Arizona!

-Tracey Frost Rensky, CEO and Co-founder, Citibabes

I feel very fortunate that I have a fair amount of control over my work schedule (just one of the perks of owning my own business!). I decided that at 37 weeks pregnant I would slow my schedule down and stop teaching my regularly scheduled prenatal and postnatal classes. This has been a very hard decision since I enjoy my work and also feel the pressure and responsibility to stay involved. I consider myself one of the lucky ones to even have a say in this matter. For many women, choosing their work schedule is not an option, and the majority of students that come through the PYC work right up until they give birth. This common occurrence in our work-driven culture often leaves women fatigued and stressed right before the grand act of giving birth.

Why is this a problem?
If the body is in a state of stress and sustained fatigue, adrenaline levels will be high, therefore not allowing for the natural, uninhibited flow of oxytocin – the hormone responsible for creating uterine contractions. This can result in inadequate contractions leading to a longer labor. Starting labor feeling stressed and fatigued also puts the mother at a disadvantage since laboring and delivering a baby takes a lot of energy and hard work. For those moms that are just finishing a tough day and hoping for a good night sleep (and let’s face it – at the end of the 3rd trimester, is there really such a thing as a good night’s sleep?), you may be slightly unhappy to learn that the most common time for labor to start is in the middle of the night. This is when the mother is most relaxed, in a place where she feels safe and comfortable, and oxytocin levels are at their peak.

What to do if you don’t have a choice with work schedule?
If your schedule is not flexible towards the end of your pregnancy and does not allow for time off, here are a few ideas that will only take a short amount of time, but can still offer you the benefit of rest, relaxation and rejuvenation.

• Take a prenatal yoga class, which promotes relaxation. Prenatal yoga classes typically include an active section as well as restorative poses that can help you relax. If prenatal yoga classes are not available in your area, online videos or dvds can be a good option. (The PYC site has 3 free videos you can watch!)
• Schedule down time. Even if that means just a 20 min bath or getting a relaxing massage or pedicure.
• Try meditating or deep breathing relaxation. Meditation is different than just “relaxing” in that it focuses more specifically on training the mind into stillness through contemplation, concentration, and mindfulness. This “stilling” of the mind can help the meditator step away from the nagging thoughts and “to-do” lists that accumulate in our minds.

Deep-belly breathing promotes the function of the parasympathetic nervous system. The autonomic nervous system (ANS) is divided into two parts: the sympathetic nervous system (the fight-or-flight response), and the parasympathetic nervous system (the rest-and-relax response). The body responds to the parasympathetic nervous system by slowing the heart rate, decreasing blood pressure while increasing the release of endorphins, which cultivates relaxation and strength.

• Plan about 10-20 minutes a day to reconnect with your partner. During this time you can work on relaxation techniques or visualizations that you may want to use in labor. Or, simply spend this time just cuddling or lying down together. It’s unlikely that you’ll have this kind of time after the baby is born.
• Step away from the computer and phone at night so you are well rested.
• Enjoy activities that release oxytocin. Oxytocin eases stress and anxiety. The oxytocin response can also prime the brain to react more calmly to future stress just by thinking of those we love, scientists say. According to researcher Phil Shaver of the University of California-Davis, the chemical release in the brain that this simple action causes acts as a stress buffer before it even occurs.

So make plans to hang out with friends or your partner. Don’t forget, oxytocin is also known as the “love hormone” since it is at a very high level during orgasm.

Hopefully this list of ideas for how to bring some relaxation into your days leading up to the birth of your child has at least one option that is doable. My personal theory is, I better get some rest before the baby comes, because it is unlikely that I will get much rest afterwards.

Sources
Encyclopedia of Stress, Volume 3 by Academic Press
Varney’s Midwifery 4th Edition by Helen Varney, Jan M Kriebs, Carolyn L Gegor
http://oxytocincentral.com/2011/03/oxytocin-eases-stress-and-anxiety/#more-913

By Debra Flashenberg, CD(DONA), LCCE and CitiScoop’s Support Doula and Prenatal Yoga Expert

With 16 note cards, 16 envelopes, 2 sheets of stickers, and 1 rubber stamp, Elum’s My First Thank You Notes are a perfect (and fun) way to teach your children the art of writing thank you cards. With easy fill in the blank cards – printed on wood-free paper with soy based links – these thank you cards are great for little ones who are just learning how to write. $20.00 (available at elumdesigns.com).

I am pretty good about sharing healthy eating tips with my family overall, but I can’t help but let my girls enjoy a mini cupcake every once in a while. Another thing they enjoy is macaroni and cheese which is why I’m thankful that Citibabes’ director of children’s programming, Keri Snyder, has shared a wonderful recipe for vegan macaroni and cheese. 

-Tracey Frost Rensky, CEO and Co-founder, Citibabes

Since I became a vegetarian, I have been searching for that one fantastic comfort food that is not only delicious, but also fun to make. As a vegetarian, this search became difficult as I found myself craving things like chicken soup and chicken fingers – both off the list for vegetarians.

When I finally found this amazing recipe for vegan mac & cheese I was so excited and my roommates and I couldn’t wait to make it! It is delicious and the best part is that this recipe can be enjoyed by the whole family! Every child loves mac & cheese, so why not try it with a vegan spin?

Ingredients:

• 1 1/2 pounds of elbow macaroni (or whatever pasta you prefer)
• 1/2 cup vegan butter (I use Earth Balance)
• 1/2 cup whole wheat flour
• 1 cup nutritional yeast
• 3 1/2 cups boiling water
• 1 1/2 tsp. salt
• 1 1/2 tsp. garlic powder
• Onion powder (just a pinch)
• Turmeric (just a pinch)
• Cayenne pepper (just a pinch – unless you like it spicy)
• 1 tbsp. red pepper flakes
• 2 tbsp. soy sauce
• 1/2 tbsp. mustard

Directions:

1. Boil water and add the macaroni.
2. Melt the vegan butter over low heat. Beat in the whole wheat flour with a wire whisk.  Continue to beat over medium heat until mixture is smooth and bubbly.
3. Whip in the boiling water. Add salt, garlic powder, onion powder, turmeric, cayenne, pepper flakes, soy sauce, and mustard to the liquid.
4. Let the sauce cook until it thickens and bubbles. Once thickened, beat in the nutritional yeast. If the sauce is too thick, you can add more water. Sometimes I add a bit of soy milk instead of water.
5. When the macaroni is cooked, drain and add the sauce. Serve immediately.

Original recipe from Rootielicious.com.

By Keri Snyder, Director of Children’s Programming, Citibabes

There are so many options when it comes to giving your children allowance and some ways may work for one family but not for another. The key is to find what works best for you and your family. Aaron Goldschmidt, Citibabes’ Head Teacher and CitiCamp Director, shares some tips for setting up allowance guidelines with your children.

-Tracey Frost Rensky, CEO and Co-founder, Citibabes

There is a lot of discourse as to when to start allowance with children. As an educator, I believe that as soon as a child is old enough to start asking for things at the store, they are old enough to earn an allowance and begin to lean about money management.

There are two different schools of thought on allowance. The first is that children earn a base amount that is handed over each week, on time, no questions asked. It says that you should not make allowance behavior based or use it as a reward or punishment. This school of thought suggests that in addition to the base allowance, each job or chore asked of the child has a price attached to it and this gets accumulated and paid out on a set schedule.

The other side believes that money earned by a child is based on the completion of daily household responsibilities and the maintaining of an appropriate attitude. Allowance is or is not paid out each week based on completion of set rules and responsibilities as denoted on a responsibility calendar.

The system I have created for families is somewhere in between and I believe meshes with the lifestyle and family dynamics of our community. It consists of a Monday through Friday based allowance schedule where the children will earn money each day as if being paid out on a job. The job is based on a combination of household responsibilities and general expectations of behavior and attitude.

It can be up to individual families how much each child should earn per day or week. One suggestion is to give them an amount in dollars per week that equals their age. Each evening before bed it will be noted with a sticker on a responsibility calendar whether or not the child, ultimately based on the decision of the parents, earned their daily allowance. Of course, this can be discussed if the children disagree. Constructive dialogue is encouraged but it cannot be fought. If the children do not receive allowance, the reason will be noted on their calendar in lieu of a sticker.

Responsibilities are expected to be completed every day of the week, including the weekends as determined by parents. On weekends, certain expectations can be slightly different than those of the school week. The same goes for vacation although it is important to make understood that certain rules and responsibilities apply everywhere, all the time. If there was particularly positive or negative behavior over the weekend, it should be noted on the calendar and will affect long-term rewards and consequences.

It is important to note that allowance doesn’t mean you can’t buy things for your children. It also doesn’t mean they can’t earn extra money for specialty jobs asked of them. As children start to want big ticket items or become more motivated by money, it is ok to use it as an incentive to take on additional responsibilities. If they earn extra money from a job, that can be noted on the calendar and paid out in addition to allowance on payday.

But in order for this to work it is crucial that you hand over a thoughtful, realistic list of things for which you will no longer be paying and what you expect your child to pay for. Additionally, it is very important to pay on time every week. By not paying on time, you teach your children that we can be late paying our bills. In order to teach them to value and be responsible with money, you must do the same. I suggest tallying up the daily stickers and paying every Friday before bed or Saturday before you leave the house for the day.

In this system, I encourage families to set-up three banks: one for spending, one for saving, and one for giving (charity). Usually 10-20% of their allowance should be contributed to saving (for items more expensive than their weekly allowance) and another 10-20% for giving. I believe that children must contribute money to charity whether they earned $25, $5, or no money over the week. A helpful website that can help you keep track of these three bank balances is threejars.com. Once the monetary amount of what is in the charity bank is significant, each child can help to determine how it gets used with the help of an adult.

Remember to gently remind children about a rule if it is being broken or a responsibility that isn’t being fulfilled, but don’t threaten with allowance money or what they will or won’t get.  Children are children and forgetfulness, emotional outbursts, and disagreements will happen. It is our job to teach them to be open to discussing things in a mature and proactive manner. We must lead by example.

By Aaron Goldschmidt, Head Teacher & CitiCamp Director, Citibabes