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  • Check out Chief Family Officer's Patriotic Holidays Pinterest board for crafts and recipes!
  • Recently read and enjoyed: The Lieutenant Don't Know: One Marine's Story of Warfare and Combat Logistics in Afghanistan by Jeffrey Clement
  • Enter for a chance to win a $25 Target Gift Coin! And click here to see all of our current giveaways.


  • August 2016 Reader Appreciation Giveaway: $25 Target Gift Coin

    Target Gift Card Giveaway | Chief Family Officer

    Each month this year, we’ll have a month-long Reader Appreciation giveaway. The prize for August is a $25 Target Gift Coin like the one pictured here:

    Target Gift Coin giveaway | Chief Family Officer

    Some of the entries can be done every day, so be sure to bookmark this page and come back daily to increase your chances of winning. To enter, simply follow the directions in the Rafflecopter widget below – and thank you for reading CFO!

    a Rafflecopter giveaway

    RSS and email readers: Click here to reach the form.

    Reader Appreciation Giveaway: Mystery Box of Samples, Full-Size Products & Other Goodies

    Mystery Box Giveaway

    It’s time for a new Mystery Box giveaway!

    Like previous Mystery Boxes, this one is full of samples, full-size products, and other surprises! It’s just another way for me to say, Thank you for reading CFO!

    The current Mystery Box is a USPS Medium Flat Rate Priority Mail box like the one pictured above, and contains all of the mystery items that will arrive at the winner’s doorstep. If that sounds like fun, simply follow the instructions in the Rafflecopter widget below to enter the giveaway, and good luck!

    a Rafflecopter giveaway

    RSS and email readers: Click here to reach the form.

    July 2016 Reader Appreciation Giveaway: $25 Target Bumper Car Gift Card

    Target Gift Card Giveaway | Chief Family Officer

    Each month this year, we’ll have a month-long Reader Appreciation giveaway. The prize for July is a $25 Target Bumper Car gift card!

    Target Bumper Car Gift Card Giveaway | ChiefFamilyOfficer.com

    Some of the entries can be done every day, so be sure to bookmark this page and come back daily to increase your chances of winning. To enter, simply follow the directions in the Rafflecopter widget below – and thank you for reading CFO!

    a Rafflecopter giveaway

    RSS and email readers: Click here to reach the form.

    $100 Visa Gift Card Giveaway from AZO Urinary Tract Defense™

    $100 Visa Gift Card giveaway from AZO Urinary Tract Defense

    Let’s face it: there’s absolutely nothing fun about a urinary tract infection, or UTI. And did you know that summer is peak season for UTIs? Since summer plans don’t hit pause for a UTI, AZO has introduced AZO Urinary Tract Defense™, a new product that helps slow the progression of your UTI until you see a doctor.

    AZO Urinary Tract Defense combines:

    • Methenamine, a powerful anti-bacterial medicine that works by slowing down the growth of the bacteria along the urinary tract and helping to control your UTI, and
    • Sodium Salicylate, which provides general pain relief

    The suggested retail price is $13.49 for 24 tablets (although it’s on sale for just $8.99 at Target.com right now). Learn more at AZOproducts.com.

    There will be a high-value $2/1 AZO Urinary Tract Defense™ coupon in free-standing insert in Sunday’s newspaper, and there is also a printable version here.

    WIN IT!

    AZO wants you to live life to its fullest this summer by treating you to a summer adventure, so one lucky CFO reader will win a $100 Visa gift card! To enter, simply follow the instructions in the Rafflecopter widget below:

    a Rafflecopter giveaway

    RSS and email readers: Click here to reach the form.

    Review and Giveaway: Smart Mom, Rich Mom by Kimberly Palmer

    I rarely agree to review books, but when I was asked to review Kimberly Palmer's latest book, I said yes because I knew it would be good. And it is.

    Smart Mom, Rich Mom: How to Build Wealth While Raising a Family (affiliate link) is a must-read book for every mom, regardless of her age or stage of motherhood. Kimberly covers all of the bases, from preparing for motherhood to living well in retirement.

    Smart Mom, Rich Mom Review

    Even if you’re familiar with personal finance and wealth-building concepts, you’ll learn some new things in Smart Mom. Because I am a non-practicing lawyer who has worked part-time at home since my oldest child started elementary school, I was particularly interested in the section about working moms. Kimberly discusses extremely important but rarely-mentioned issues like continuing to accrue Social Security credits, and how continuing to earn money, even at a reduced level, helps to protect your future earning power. She also offers actionable ideas on job flexibility and career paths.

    Although I have two boys, I was intrigued by the discussions about gender bias when it comes to money. Moms are often paid less simply because of the perception that they are less productive. It’s generally easier for moms who have professional careers to have flexible schedules, and their salaries are more comparable to men’s than those of moms in lower-paying jobs. And, studies show that boys are more confident and talk more about managing money with their parents than girls. I don’t have daughters, but Kimberly’s book has made me aware that I am modeling a woman’s relationship to money for my boys.

    I especially love that the book is well-researched, but easy to read. Kimberly quotes not just from studies but the numerous women she talked to while working on Smart Mom, including new moms, grandmothers, single moms, working moms, stay-at-home moms, and more. Their experiences can inform ours as we make our own financial decisions.

    Smart Mom covers the basic areas that all moms need to know:

    Be smart about spending and saving. There’s not much new here for Chief Family Officer readers, since I hope you’re already a convert to mindful spending. Kimberly encourages the use of coupons, asking for discounts, checking for billing errors, and of course, making conscious and considered decisions on how to spend your money. One thing I did learn was to let my children see me in action, such as when I call customer service to correct an error. This is something they will have to do themselves someday, and watching me do it is a great way for them to learn.

    Think like a boss. As mentioned already, Kimberly has a fantastic discussion about working moms. I appreciate that it’s so thorough. She talks about the traditional professional mom, which made me think of my lawyer friends who still work full-time. But she also talks about moms who scaled back, temporarily or forever, entrepreneurial moms who started a business, and other moms who’ve crafted their own path.

    Embrace investing. Throughout the book, Kimberly encourages moms to be at least as involved in managing their family’s finances as their husbands are. And she spends extra time pointing out the importance of investing, whether it’s for retirement or your child’s college tuition. I was struck by the point that women tend to be conservative investors, and was encouraged to consider taking a few more risks when it comes to our portfolio.

    Play defense. Kimberly’s research shows that most moms will, at some point in their lives, be on their own. After all, many couples get divorced, and women tend to outlive men. So it’s important for moms to be prepared with life insurance, wills, access to accounts, and more. Kimberly also encourages us to be aware of our parents’ financial situation, and has suggestions on how to talk to our parents.

    Teach the kids about money. We need to model good financial behavior, and also discuss financial issues and decisions when the kids are young so that these discussions are easier to have when they’re older.

    In sum, Smart Mom, Rich Mom is a book that every mother should read! In fact, while it may not be as cute as a baby carrier or romper, this book will now be part of every baby shower gift I give to a new mom-to-be.

    WIN IT!

    One lucky CFO reader will win a copy of Kimberly Palmer’s new book, Smart Mom, Rich Mom: How to Build Wealth While Raising a Family! To enter, simply follow the instructions in the Rafflecopter widget below:

    a Rafflecopter giveaway

    RSS and email readers: Click here to reach the form.