Snow Day Activities for Teenagers and Tweens

Snow days are an almost inevitable part of any winter. At some point during the season, you’ll see a winter wonderland outside, and hear the declaration on the radio — it’s a snow day. This may not always seem like a bad thing, but if you’re a parent of teenagers, finding ways to occupy your older children might present a challenge. This is especially true during a snow day, when boredom sets in even faster than normal. Fortunately, there are many fun and creative ways to entertain your teens during the long snow days.

If your teens haven’t touched board games in a while, it’s time to bring them out. Look through your closets and cupboards for classics such as Monopoly, Clue, or maybe even Myst. There are also some modern board games that are particularly suited to curious teenagers, such as Dragonology or perhaps even the DVD-board game Atmosfear.  When you’re shopping between snow days, keep your eyes open for new and exciting board games to fill long snow days and evenings that you may face.

While you're out shopping, purchase those model kits that sometimes go on sale. They make a wonderful activity on a cold winter day. Purchase a variety to entertain all your teenagers. Look for model cars, trains, and airplanes, but also keep your eye out for model buildings. The budding architect in your family will really enjoy the opportunity to construct a scale model.

Try to get your teens to write a story. This may seem difficult, but if you have budding authors in your household, it may be worth the effort to get them to all sit down and commit thoughts to paper. Let each teenager write whatever they like, whether it’s a short story, flash fiction, or maybe even the very beginnings of a novel. If you have a teen who has difficulty finding ideas, help them out by giving them some basic plot points, but let them do the real writing.

If the weather permits, get your teenagers outside. Try to encourage them to do something fun. They’re certainly not too old to build a snow fort or throw a few snowballs back and forth. You might even be able to convince them to build a snowman, or even make a few snow angels in the front yard. Teenagers do enjoy the chance to let loose and have a good time, but they do sometimes need a little encouragement.

If the roads aren’t closed, consider heading out with your teens. Skating and sledding are wonderful ways to pass the time, even for older children. Depending on your teenagers and their own interests, you might want to head to the local park and either try skiing or snow shoeing. If you don’t have the equipment, look for places that will rent it to you for the day.

Start a scrapbook. Teens and older children often enjoy the opportunity to exercise their creative abilities, so pull out the paper, photos, and scrapbooks and get started. Maybe even take a few moments to capture the snow day itself on camera. If you don’t have all the supplies and can’t run to the craft store, just focus on organizing the photos you want to use. Make a promise to each other to put the scrapbook together as soon as possible.

If you really can't think of anything to do, engage your teenagers in a game of charades. Your teenagers might groan a bit at first, but give it a chance anyway. Within just a few moments you might find your children laughing and enjoying themselves, despite their best intentions.

Get your teens together and plan the ultimate snow day dinner. Act mainly as supervisor and have them do the majority of the preparation. Let them guide the dinner, all the way from menu selection to presentation of the meal. Girls as well as boys can participate in this activity. Consider making this an all-day event and baking breads and muffins, perhaps enough to last the entire week. This is a great bonding activity, and if you choose to make a cake, your teenagers can have a lot of fun decorating it.

Make some music. If you or your teenagers play any instruments, take turns playing for each other. You could even all play together. If no one plays an instrument, everyone can choose their favorite songs from their iPod, a CD, or from the radio. Take turns dancing to each song, getting as creative and as silly as you like. Teens might enjoy the opportunity to express themselves through dance without friends around to watch.

Make it a movie day. Have your teens select their favorite movies and play them, one by one. Between movies, ask your teens to analyze different aspects of each movie. Perhaps ask them about plot, theme, or character development. If they’re in high school, they may have been discussing these things in one of their classes, so they may have some detailed insights into each movie.

A snow day doesn’t have to mean boredom. There are so many ways to entertain your teenagers when they’re stuck at home. Try to get them engaged in the normal activities around the house, and then add something that’s not quite so normal. Have fun, get creative, and make some memories before your teens grow up.

Money Management: The Causes of Overspending

It is easier to overspend today that it has ever been, especially when you have children. With the advent of credit cards, lines of credit, car loans, home equity loans, and all those “buy now, pay later” offers, there are just so many ways to go into debt. It may seem that the solution is to stop overspending, but unless you examine the causes of overspending and understand how to solve these common problems, that is unlikely to happen.

Credit Cards and Monthly Payments

Credit cards are one of the leading causes of overspending, simply because anyone can get a credit card. Even if you have poor credit or declared bankruptcy recently, you might still find yourself eligible for thousands of dollars worth of credit cards. And they’re so easy to use. Hand them over to the store clerk and worry about paying for them later. Before you know it, you’ve charged hundreds or thousands of dollars to your credit card, and you have no way to pay it all back.

If you always pay your credit card bills in full, every month, then credit cards might work for you. However, if you’re like most people, you carry a balance. And that balance continues to grow each month as you continue to use your card. The interest alone might be enough to sink your personal finances. The only way to deal with this problem is to get rid of them. Cut up every credit card, come up with a plan to pay off the bills, and never use a card again.

Of course, then you’re still left facing those monthly payments. Examine your monthly payments carefully. Is your minimum payment higher than the interest being charged? In many cases, it won’t be. If you minimum payment is lower than the interest charges every month, that credit card can never be paid off. It will only continue to grow. Pay more than the minimum, and never use the card again. This way, you won’t be able to overspend using a credit card, and your debt will cease to grow.

Peer Pressure and Keeping Up With Friends

Going out with friends can really be hard on your wallet. Movies, dinners, and clubs are certainly not cheap. And yet you don’t want to beg off and be left out. However, you may simply not be able to afford to go out all the time, and if your friends have more money than you do (or are simply willing to spend more than you are), this can lead to some socially awkward situations.

This is one of the hardest causes to isolate and correct. It’s hard not to go out with your friends, to spend the money they’re spending. However, if you really want to curb your overspending, you may have to. Try suggesting that your friends come over for a night of movies and board games, or video games, or whatever it is that you and your friends like to do. Have everyone bring a snack and you’ll be surprised at how much money you’ll save.

Of course, sometimes it’s not about what your friends want to do. Sometimes you simply want to keep up, whether it’s with your friends, a family member, or even a coworker. Purchasing items simply because you need to ‘keep up’ will get you nowhere except further in debt. If you truly intend to curb your overspending, you’ll have to learn how to be satisfied with what you have.

Sales and Impulse Buys

Everyone loves a good deal. However, a deal is only a deal if you were going to buy it anyway. It’s so easy to justify a purchase simply because it was on sale. But remember, if you never intended to by it, then you overspent.

This same rule applies to impulse buying. Products are packaged as to encourage a buy, but if you have to be encouraged to buy it, then you really didn’t need it in the first place. Before purchasing something that wasn’t on your ‘need it’ list, go home and think about it for a week. If you still decide to buy it, at least it wasn’t an impulse buy.

Emotional Causes of Overspending

Sometimes overspending has nothing to do with access to credit or peer pressure. Sometimes overspending is the result of allowing your emotions to decide when it comes to purchasing. If you buy things because it makes you feel good or to fill an emotional void in your life, then you have fallen victim to this very powerful cause of overspending.

This is an extremely difficult habit to break. If you truly believe that buying that handbag will make you feel better, help you fit in, or cure your own boredom, then you probably won’t stop. You’ll spend until you are so far in debt that you simply cannot get out.

It’s important to realize that while overspending may feel good in the moment, eventually it will catch up with you. When that credit card bill arrives, you won’t feel very good about how much you owe. Avoid the emotional impact of not being able to pay all your bills and reevaluate the reasons why you overspend.

Giving Your Children Everything

Most parents want what’s best for their children. And often this translates into buying whatever they want whenever they want it. The intention may be good, but it’s important to realize that if you can’t afford to buy it for yourself, you probably can’t afford to buy it for your children either. Overspending on your children sets a bad example, so do everyone a favor and curb the impulse to spend.

There are so many reasons to overspend. You might be greedy, or maybe you really don’t realize you can’t afford it. Whatever the reason, and however much society seems to encourage overspending, it’s important to realize that overspending will eventually lead only to one place — overwhelming debt.