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The Power of No

No. It’s a full sentence. When dealing with children and teens, however, it can often seem like saying no leads to a battle of wills, spurring a longer conversation. But that doesn’t mean you should just give in and say yes.

Instead, it’s important to understand the power of no and the benefits that it has for your child and her development.

There are many reasons why it’s so hard to say no to children. Many families have two working parents who are busier than ever. Time spent together is more limited and guilt may increase as a result. When families do get to be together, parents may be more inclined to say yes to avoid conflict and promote positive experiences. According to David Walsh, author of “No: Why Kids — Of All Ages — Need to Hear It and Ways Parents Can Say It,” “The job of being a parent today is harder than ever because media and advertising have brainwashed us into thinking that our kids should have more, that everything should be fast, easy and fun.”

[See: 6 Ways to Help Kids Combat Materialism.]

There is also a false belief that saying no will negatively impact a child’s self-esteem. Of course, if you are saying no for no’s sake, this is a possibility. But self-esteem is not bolstered by the things your children owns. It’s supported by guidance, love, connection and, believe it or not, limits and boundaries. Self-esteem is also promoted by knowing that there are going to be days you feel good about yourself and days that you don’t. If adults help children feel good through overindulgence, kids will never learn how to deal with more difficult emotions or circumstances.

So it’s important to keep perspective when children get upset at not getting everything they want. Here are a few ways setting limits and boundaries by saying no sometimes can benefit kids:

It can spark creativity and teach kids to be more resourceful. If you don’t buy that new doll, your child will eventually learn how to use what he has in new ways. He will learn that there are many solutions to a problem; he just has to figure out what they are. This promotes flexibility in his thinking, too, which will help him as he develops.

[Read: Take the Bubble Wrap Off Your Child.]

Experiencing real world letdowns help kids regulate emotions. Saying no sometimes teaches your child how to deal with disappointment. If you move all the barriers away, they won’t learn this incredibly important skill. Life is full of disappointments. If you don’t help your child understand that early on, they are going to be ill-prepared to handle letdowns as an adult.

Saying no can teach kids patience. We live in a culture that’s obsessed with immediate gratification , and that can make it hard to wait. But having patience improves our decision-making abilities and emotion regulation as well as enhancing our overall sense of calm. When we fail to teach kids patience, we risk raising entitled, self-focused adults.

It provides security. Believe it or not, children like limits and boundaries. Too many choices or inconsistency can make them feel anxious. While it may seem helpful to negotiate with your child, doing so can make them feel insecure, because they won’t really know where they stand. When you provide clear boundaries and set firm limits, your child can put their trust in you fully and will feel safe and cared for. With this foundation, their self-esteem will improve and they will feel more confident.

[See: 10 Ways to Raise a Giving Child.]

A final element to consider is why you, as the parent, feel the need to say yes. Are you doing it to assuage your own guilt? Are you doing it to avoid a confrontation? Are you doing it to avoid having to manage their disappointment? If you say yes to any of these questions, step back, take a breath, and determine if no is the better answer. Then go with it. You can tolerate what comes next.

More from U.S. News

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The Power of No originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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