Recently I was contacted by Jackie who shared with us that her husband’s mom had passed away, and as they went through the probate process, she began to feel like her husband and she hadn’t done enough to plan for the future.
She further shared, “Sure, we have a retirement plan and a will. But I worried that we hadn’t done enough to ensure our child on the autism spectrum would have a caregiver into adulthood. I realized I wasn’t clear on whether our home could be passed on to our children if something were to happen to us. And these concerns spun into others.”
So, she did tons of research, and with every new thing she learned, she began to feel better. Here is the piece she wrote for us to help bring more awareness to proper financial planning. Thank you Jackie for your insight.

It’s a tough subject to tackle, but I hope hearing about it from someone who until just recently felt equally overwhelmed will be helpful to those who just don’t know quite where to start.
“Financial planning” sounds a lot scarier and more complicated than it actually is—and in fact, putting it off could ultimately land you in an even more frightening and complicated situation. The sooner you get organized and prepared for the future, the better. Here are a few tips to get you started:
Establish Your Goals
It’s true that you can’t predict everything the future will bring, but you can start planning for the things you hope will happen. Sit down (with your spouse, if you have one) and lay out your goals and a tentative life plan. Perhaps you’re hoping to move up in your company within the next five years, or you hope to move to a new city as soon as it’s feasible. If you have children, consider how much you’ll need to put aside for their college education. For children with special needs, account for any home modifications they’ll need: both in the near-future and far. You should also include vacations you want to take or family events you’ll need to travel for like weddings and reunions.
Account for the Unexpected
Cars break down. Natural disasters strike. Illness and disease occur without warning. The fact is, there are a lot of variables in life, and it’s important to consider odds you might be up against. If you have an older home, it may need updates to ensure it’s a place where you can age in place safely and comfortably. Or if Alzheimer’s runs in your partner’s family, you’ll want to be sure you have funds set aside to cover the care they may need in the future. Even if your worries turn out to be wrong, it’s better to account for them in case they’re right.
Think about your own circumstances, as well. What would happen to your family if you passed away suddenly? Would they have a financial cushion? What would happen to your property? In addition to a will, some states offer a special kind of deed that automatically transfers control of your property upon your death. If you’re a single parent, this can be especially important because it can allow you to ensure your child will have a home should anything happen to you. Be sure to go through all your options of what’s available and legally sound in your area, and choose what’s best for your family’s needs.
Set and Stick to a Budget
You might be a pro at handling money without a set financial plan, but a budget allows you to actually look at how much you’re spending on what and where you should shift priorities. For instance, if your family eats out twice a week, sitting down and evaluating that total monthly cost is nearly identical to what you should be putting into your retirement fund. Once you’ve established how your money should be handled, make the commitment to stick to your budget each and every month. Don’t let yourself skip putting money in savings because of an unanticipated large purchase—perhaps you had to replace your vacuum this month, for example—and instead always make your contributions for the future a priority. Only pull from savings for emergencies and designated goals.
Check In and Reevaluate Your Budget Often
Though it’s important to stick to your budget as much as possible, that isn’t to say that you should never change it. Your needs and situation will change multiple times throughout your life, as well as your goals and needs for the future. Evaluate your budget quarterly, if not monthly, and assess how you’re doing on making progress toward your goals. If you get a promotion and begin making a higher salary, plan carefully for how you’ll spend your extra money each month. Perhaps you’re no longer interested in relocating your family, or you’re looking to enroll your child in a more academically-challenging private school. Talk to your partner about any changes you think should be made in your budget, and make sure the decision is one you are both comfortable with.
Don’t put off planning for the future. Keep these tips in mind for your financial planning and never forget: it’s better to be safe than sorry!
-Jackie Waters

It takes courage to speak openly about our personal struggles, to invite the world into our private space. But sometimes, those brave words are just what another silent warrior might need; to feel that they are not alone, their experiences are not crazy, they are not just imagining things. They too, matter.


Passionate. Creative thinker. Dynamic storyteller. Avid reader. World changer. Coffee addict. Julie lives in Toronto, Canada, and is the mastermind behind
Anyone who has ever spent a day in mommy-mode, knows just what a demanding role it can be. Cooking, cleaning, shopping, washing, after-school activities, laundry, homework, you name it, the list is endless. But for many of us, our day’s work doesn’t begin and end there. Add a full-time career into the mix, and you’ve barely got time for yourself.

3. Don’t sweat the small stuff
4. Delegate whenever possible
5. Take some shortcuts
The role an artist plays varies, based on subject matter, audience and intent of the work. Whether the artist intends to inspire, raise awareness or even provoke – artists also need to actively make a positive difference. Sometimes that is achieved merely by the subject matter and how it moves and connects others. On a more intentional level it is about giving back to society and supporting important causes.

Happy New Year! I hope 2017 has been off to a wonderful start for everyone. I’m excited to share something that has been rattling around my mind over the holiday season.
One of the most powerful things about an artist’s work is the emotion captured within the piece, invoked by the art or which inspires the product. Artists focus on areas of passion, topics that move them, subjects that inspire them and experiences and feelings that remain with them. Whether explicit or implicit, every artistic work represents some part of an artist. It is through the canvas where I share my innermost feelings and where my passions come to life for others to see.
Al Gord is an up and coming artist who uses abstract techniques with figurativism to create Modern Romantic (Uninhibited) Expressionist pieces and Rock Icon Portraitures. He also creates pieces which focus on mental health awareness and advocacy. Regardless of the subject matter his signature style is clearly recognizable. His work is showcased on Twitter, Instagram and Facebook, where he welcomes inquiries, questions, and feedback.
Art has always been an important aspect of my life, at times acting as a medium for self-expression and other times feeding a need for creative exploration. The beauty of art is the freedom it allows us to be completely ourselves, free of social constraints, insecurities, rules, etiquette; a freedom that is often not ours when communicating with words. There is a definite degree of rawness that comes with this kind of silent poetry, especially when we invite the world into this personal space.

Summer is upon us at last! If you are anything like me, you want to spend as much time outdoors as possible, walking, cycling, swimming, enjoying time with family and friends on patios, having barbecues, exploring amusement parks (I can go on and on). With all that summer fun comes the need for sun safety as well. I was delighted when blogger, social worker and stay-at-home dad, Sean Morris, contacted me and wanted to share some of his tips on planning fun and safe family activities. Thank you Sean for a very informative article.
Summer is the time when children are out of school and ready to play. But the excitement of a long break with no responsibilities can often get the better of them, and rigorous activities may lead to scraped knees, bruises, or even something more serious. The best way to ensure your kids don’t invent their own, potentially dangerous game is to come up with specific activities targeted to their interests. Here are a few things you might suggest to keep your kids entertained and safe.
Chalk art is a low energy activity that can prevent injuries resulting from wild behavior. The color is
Creating your own art supplies both entertains your kids and guarantees the safety of the materials they are using. You can even make a homemade
Frozen, tasty treats are part of what makes summer, summer. Unfortunately, most of those treats are loaded with unhealthy ingredients and are chock full of sugar. Instead of chasing down the ice cream truck, spend some time in the kitchen and make your own healthy and delicious treats.
For some kids, nothing is more exciting than taking care of a plant and watching it grow, bloom, and maybe produce food. Even if you only have a pot sitting in your window sill, taking your kids out to pick out their own flower seeds and a small, inexpensive bag of soil can be the start of a summer-long activity.
Though summer is not necessarily fraught with risk, minor injuries, sunburns, dehydration, poor nutrition, and lack of sleep are all very real and common problems kids can experience in the summer. By building your activities around avoiding these unnecessary injuries or health issues, your kids will be able to enjoy summer to the fullest.
Heroes come in all shapes and sizes. This Father’s Day, we want to thank our Dads and all the father-figures in our lives – grandpas, step-dads, brothers, uncles, cousins, friends….whoever your hero happens to be – Words on a Limb would like to wish you a Happy Father’s Day!