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
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.






Get out your sketch pads, sharpen those pencils, it’s time fo
r an Art Competition. Words on a Limb would like to invite readers (ages 6-10) to send in their best illustrations, capturing the essence of the picture-book, Words. The winner will receive a hardcover edition of Words and have their work featured on our site, as well as Lora Rozler’s 

healthy weight. But it was another physical change that helped boost my self-esteem. With autism and Asperger’s Syndrome, repetitive motions such as hand flapping, or in my case, hand clasping are common. But as this 

nourished your soul for the past six years. Images of her inundate your mind, cascading from one scene to another. The day she was born was your happiest ever. You planted a tree in her honour that year. Will it continue to grow in her absence? You recall how easy it was to soothe her then. You’d hold her in your arms and sing sweet lullabies, the very ones your mother once sang to you. But who will comfort her now when she’s lonely and scared? Will they care for her when she is unhappy or sick? What if she’s hurt? What if she’s hungry? You panic. You try to restrain the fear that is taking over.
It will not be alright when they tell her she must abandon her birth name. It will not be alright when they cut off her braids. It will not be alright when she feels homesick and is denied her brother’s embrace. It will not be alright when she wonders why you cannot be there on her birthday or why she has to miss grandpa’s 70th. Time will surely not fly. But you do and say what you must, for the choice is not yours.
n just a few moments the scent of your hands will be all she has left of you.
You are numb. You wave when all you want to do is shout at the world. That is my baby disappearing into the thick mist.
Words on a Limb would like to wish everyone who is celebrating, a Happy Passover and a Happy Easter!
To make the soup, grate and combine 1 of each of the following:
In a wide pan, boil water, adda dash of salt, 1 tablespoon of oil, and cook a few of the balls at a time (not to overcrowd pan). When the balls rise to the top (about 5 minutes), scoop them out. Continue until all are done.
When vegetables in soup pot are tender, add enough boiling water to go just below rim. Season the soup with 2-3 tablespoons of chicken seasoning mix. Add additional seasoning to your liking, including paprika, turmeric powder, and salt.
olive oil. Season the beef pieces with salt and pepper, and add them to the oil. Let the beef brown on both sides. Cut the onion in half; stud each half with 3 cloves. Cut the celery and carrots into chunks add them to the pot with
the onion, the herbs, and 3 quarts cold water. Let broth come to a boil, then reduce heat to a simmer. Skim off any gray foam that forms on top; simmer soup for one hour. Add the lamb pieces; simmer the broth for another hour, skimming as needed.
save the meat for a delicious salad: Shred the meat finely and dress with olive oil, red wine vinegar, minced red onion, chopped capers, fresh parsley, salt, and pepper—terrific on top of toasted bread rubbed with a little garlic.) The broth can be made a day ahead of time and refrigerated overnight.
and let it sit in the pot for about 3 minutes. Taste for seasoning and add salt if necessary. It is important that the broth is hot, but not boiling, which would curdle the egg yolks. Place a warm, toasted round of bread, dribbled with some extra-virgin olive oil, in the bottom of each soup bowl.
and the lemon juice. Slowly ladle in the hot broth,whisking simultaneously to prevent the egg yolks from curdling. Immediately ladle the soup into the bowls and over the bread; grate plenty of Parmigiano-Reggiano over the top.