Last week, in early September, I had an opportunity to attend an event in the House of Lords, in the Palace of Westminster, in London. The Palace serves as the British equivalent of our U.S. Capitol building, although it has a considerably longer history. Originally built in 1016, the Palace was partially rebuilt in 1840 due to a fire that started in the basement, underneath the House of Lords. The British Parliament and the High Courts of Justice have been based in the Palace since the 13^th century. The impressive building and its inner courtyards cover eight acres overlooking the Thames River.

How can you manage your money better and more effectively? You might have come across the advice to “make a budget and stick to it.” That’s good advice, but the word budget can be intimidating to some. Don’t worry. There’s a friendlier way to approach it. Let’s reframe and call it a “spending plan.” Think of it as your guide to achieving financial success. So, instead of dreading budgeting, embrace the idea of a spending plan.

If you need to make more progress with your spending plan, here are some helpful tips to take control of your finances, develop good money habits, and avoid financial setbacks. Below are some financial reminders you may want to set up:

My first inkling that my daughter knew how to count was when she was about 20 months old. Most mothers would be impressed by their child’s intellectual prowess. I, however, was shaken to the core. Let me explain: My daughter, who was dressed in an adorable pink dress with a matching bow in her hair, was standing on the couch snuggling up next to me. We were reading a book, or at least, I was reading a book, when, all of a sudden, she yelled, “1-2-3.” The next thing I knew, she rushed to the edge of the couch and tried to leap off. The book went flying into the air as I lurched forward to grab her a moment before she tumbled face forward onto the floor. To this day, I have no idea what precipitated her desire to leap tall couches in a single bound. What I do know is that, thanks to her proficiency with numbers, I was able to save her from physical harm.

I took a walk this week and was surprised to find such a beautiful and peaceful place so close to home. If your family enjoys hiking, this Chol Hamoed is a perfect time to try Lake Roland Park, formerly Robert E. Lee Park. It is off of Falls Road, at 1000 Lakeside Drive, just a short drive away. The hiking trails are hidden away in the woods but well marked, and some are easier than others. When you walk them, you feel like you are on a vacation far away from home. There is also a nature center and a playground for young children.

My outing reminded me of Chol Hamoed Sukkos, which is a full week this year – many days to fill with family trips. I tried to gather ideas of places to go with young families that are looking for things to do. Here are some of them:

 Of all the women who lived in the early 1900s, one of the only ones we know about is Sarah Schneirer, who she saw a need and created a revolution that changed the world.

Here is a description of what she did from the book Rebbetzin Vichna Kaplan, by Rebbetzin Danielle Leibowitz (Feldheim). Rebbetzin Kaplan was a student of Sarah Schneirer and brought Bais Yaakov to the United States after WW II: “Sarah Schneirer took all her life experiences – that of being a Jew among gentiles, a seamstress serving customers, a student at the feet of a teacher, a self-motivated seeker of truth – and melded them together. She returned to Cracow, looked around her beloved town and saw that what had begun before the war was only getting worse. The antireligious movements were stronger, the pull was greater, and the danger to the Jewish people was unfathomable…. She began a campaign that would change the face of klal Yisrael, one girl at a time…. She began with little girls…. She began her daily lesson every day with the same words, ‘Maidelach, remember – I always stand before the Heilege Bashefer (G-d), and He sees everything that I do, and hears everything that I say, and he writes everything in a book.’ She created a revolution that we carry on today.”

Let’s have a snack: How about chickpeas, a tangerine, or avocado and strawberry pudding?  

When offered these items, most children would say, “No, thanks.” To them, a snack is pretzels, potato chips, crackers, or candy. Are there really children who think that roasted chickpeas or sweet potatoes chips are the best snacks of all?  

A little girl I know, Yael, age three, does not eat eggs, milk, wheat flour, or sugar. I find it amusing when she offers me one of her roasted chickpeas because they are “so delicious.” Yael’s diet leaves out many of the foods that most children eat, but she is so used to it that she is thrilled with the special foods her mother makes her.

Sometimes it seems that too many people are worried about the high cost of living and are feeling that frum life is unaffordable. From expensive summer camps to the challenge of planning a bar mitzvah on a budget, families are feeling overwhelmed. We have all had conversations, ranging from rising grocery costs to our high tuition fees, which leave us feeling discouraged and without practical solutions.

Imagine this scenario: A hardworking father returns home late at night to find his wife exhausted from a long day of work or teaching. As they open their mail, bill after bill confronts them, triggering a heated argument. The father exclaims, “How can you spend so much on Amazon? We can’t afford that!” In response, the mother says, “Didn’t the Rav suggest reaching out to our community tzedaka organization? It would make such a difference for us.” Can you imagine the embarrassment the father feels? Can you grasp the impact on the children who hear these words day after day? This heart-wrenching scenario is unfolding in hundreds of households within our community.

Before I start, a few words about Rabbi Moshe Yechiel HaLevi Tzuriel (Weiss), born in 1938, who passed away 24 Av, three days ago. He was a musmach of Rav Ruderman, zt”l, in Ner Israel, and moved to Israel as a young man. An enormous talmid chacham, the author of 49 books on halacha and Jewish philosophy, he also came into contact with the writings of Rabbi Avraham Yitzchak HaKohen Kook and was attracted to them. In Israel, he learned in both Mercaz HaRav and Kollel Chazon Ish. He remained a chareidi rabbi all his life, raised a chareidi family, and was revered in Bnei Brak. But he also served as a moral beacon to the Torah-true settler community, particularly during the difficult 1990s and 2000s, the years of Oslo and the Disengagement, and provided guidance when it was needed. His son, Rav Avraham, is the Chief Rabbi of Nes Tziyona, a medium-sized Israeli town.

?The Yomim Nora’im (High Holidays) are an emotional time. In addition to being serious days of judgment and an opportunity to examine ourselves and our behavior, for me it is also a time to remember my parents, grandparents, uncles, and aunts, who have moved on to the next world.

When I was a child, my family was fortunate to live in close proximity to each other, allowing us to conveniently gather together for chagim (holidays). Before Rosh Hashanah, my grandpa (my mom’s dad) used to buy two rows of men’s seats and one row of women’s to accommodate our family at Mishkan Israel (Rabbi Yechiel Shoham’s shul) on Madison Avenue just above North Avenue. In those days, that was a safe neighborhood, and lots of people walked to shul. On the High Holidays even the Jews who weren’t shomer Shabbos walked. Everyone dressed in their nicest clothes, and both men and women wore hats.

Rav Nota Greenblatt, one of Rav Moshe Feinstein’s greatest talmidim, moved to Memphis, Tennessee, as a single, young man to see what he could do for Yiddishkeit. He remained in the city for almost 70 years and became renowned as one of America’s top halachic authorities, the posek sought after by most other poskim, people such as Rav Moshe Heinemann and Rav Yosef Rottenberg, for his halachic opinion. At the same time, he traveled to scores of places to be mesadeir gittin (the rav overseeing the procedure of a get), check mikva’os, eruvin, and kashrus, and whatever other halachic issues were needed.