Kirana, Née Karen, grew up in Richmond, Virginia. Her elementary education was at Richmond Montessori, and she graduated from Open High School. She loved writing and at age thirteen won "best book" prize for a contest at the Henrico Public Library for her illustrated book "Nike" about a ten-year-old girl who meets two-inch extra-terrestrials (Nikens) that give birth to their androgynous young by blowing bubbles and lack immunity to chicken pox. At Antioch College, she designed her own major, “World Philosophy,” combining her studies of philosophy and anthropology in a senior thesis about how dreams can be used to solve conflict. After graduating, she wandered for four years in Europe and lived on the Balearic Islands of Ibiza and Mallorca. She returned to Richmond in 1991 to become a responsible adult and be near her family. While there, she worked at an early childhood daycare center. Deciding against graduate school, she was certified as a yoga teacher. In 1993, she returned to Spain and has lived there since then in Catalunya, near Barcelona. She shares a home in her “peaceful village” with her partner and young adult son and has been the director of her own yoga center since 2001.
Thursday, February 5, 2026
Book Nook - Mom's in There
Mealtime Magic - Game Day Celebration
Celebrity chef and lifestyle expert Chef Jamie Gwen is bringing her playbook to you with expert tips for hosting the ultimate game day celebration. From crowd-pleasing recipes and smart time-saving hacks to creative touches that add big flavor and fun, Jamie shows how to throw a winning party without the stress. Whether it’s a backyard watch party or a living room full of fans, her delicious ideas will help every host score big and keep guests cheering from kickoff to the final whistle.
Money Matters - Family Hobbies Survey
Hobbies are supposed to make life better, but for many American families, they are becoming too expensive to keep.
CG Trader's new survey shows that rising costs are forcing people to rethink how they spend their free time, and in some cases, abandon favorite activities altogether.
Key findings:
Florida, Alabama, and Minnesota residents have the most expensive hobbies on average.
Reading or book clubs and cooking or baking are the top two most popular hobbies in the U.S.
The average American spends about $94 on their main hobby in a typical month.
The average American spends about 7 hours a week on their hobby.
41% of Americans have had to limit engagement with their hobby because of costs.
34% of Americans have had to give up a hobby because it got too expensive.
From cutting back to calling it quits, Americans are redefining what fun looks like right now.
Money Matters - Budget Survey and Tips
With about 83% of Americans who follow a budget saying rising costs are their biggest challenge, the personal finance company WalletHub today released its report on 2026’s Cities With the Best and Worst Budgeters. The study highlights the places where residents are managing their finances most effectively, while also pointing to areas that have room for improvement.
To identify where the best budgeters live, WalletHub compared more than 180 U.S. cities across 12 key metrics, including average credit scores, debt-to-income ratios, and foreclosure rates.
| Cities With the Best Budgeters | Cities With the Worst Budgeters |
| 1. Seattle, WA | 173. Memphis, TN |
| 2. Boston, MA | 174. Mobile, AL |
| 3. Fremont, CA | 175. North Las Vegas, NV |
| 4. Honolulu, HI | 176. New Orleans, LA |
| 5. South Burlington, VT | 177. Montgomery, AL |
| 6. San Jose, CA | 178. Huntington, WV |
| 7. Minneapolis, MN | 179. Charleston, WV |
| 8. San Francisco, CA | 180. Shreveport, LA |
| 9. Worcester, MA | 181. Jackson, MS |
| 10. Washington, DC | 182. Gulfport, MS |
To view the full report and your city’s rank, please visit:
https://wallethub.com/edu/
“Creating a budget is essential because it helps you avoid overspending and enables you to meet your financial goals like paying off debt, building an emergency fund or saving for retirement. Budgeting can also improve your credit score by helping you develop responsible financial habits, and can make it easier to catch fraud.”
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“Seattle has the best budgeters in the U.S., with residents having some of the lowest debt-to-income ratios in the U.S. for credit card debt, student loan debt and car loan debt. Seattle residents also have one of the lowest credit utilization ratios in the country, with residents using around 37% of their credit limits, on average. This is very close to 30%, the recommended maximum credit utilization ratio. Another way people in Seattle show their ability to stick to a budget is the fact that they have one of the lowest 90-day mortgage delinquency rates in the country.”
- Chip Lupo, WalletHub Analyst
Expert Commentary
What is the biggest obstacle for consumers trying to stick to their budgets?
“Keeping up with the joneses has always been one of the toughest challenges for disciplined personal finance. As income increases, people tend to proportionally increase spending rather than saving more. The pressure to keep up with peers' visible spending (newer cars, homes, vacations) can derail even well-intentioned budgets. The next obstacle is job loss or other emergencies that can come at someone. However, this is why adhering to a budget and having savings for rainy days matter. However, the psychological difficulty of delaying gratification in a culture built around instant satisfaction does pose a significant challenge, especially now as people live on social media.”
Dr. Suchi Mishra – Professor, Florida International University
“Research shows that consumers also regularly underestimate small, unplanned purchases. For example, when going to the grocery store, people almost always pick up a few items that are not on their usual list – such as buying a nicer olive oil for a specific dish or realizing they are out of dishwasher tabs and choosing the largest box to save on cost per tab. Because of this, when budgeting it is important to do what some people call ‘planning for unplanned purchases.’ Just as with large projects, it helps to build in a margin of error. Figure out what a normal grocery bill looks like and budget an extra 10%. Decide how much is reasonable to spend on a day out at an amusement park and add $20. However, people approach it, budgeting for these small, everyday extras makes it much more likely that they will stay within their overall budget, rather than only accounting for large monthly or yearly expenses.”
Helen Colby, Ph.D. – Assistant Professor, Indiana University
How should parents teach children about the importance of budgeting?
“Make teaching budgeting concrete, age-appropriate and fun. Letting them have some consequences is critical. Overspending can lead to losing a privilege whereas savings can result in a nice reward. Let them participate in family spending decisions. Model good behavior openly. Discuss family budgeting decisions in front of children. For example, vacation planning can involve kids in deciding flight vs drive, type of flight, hotel and food etc. They will be excited to participate. Give them responsibility by giving small allowances for discretionary spending, then gradually expand to clothing budgets, phone bills, or car expenses as they prove they can handle it. The goal is to help them understand that money is finite, choices have tradeoffs, and intentional decisions lead to better outcomes than reactive spending. When kids grow into teens they can have a debit card with a limit. Nowadays there are options to get free checking accounts with debit cards and options to lock the card etc.”
Dr. Suchi Mishra – Professor, Florida International University
“Parents are children's primary financial educators, yet money remains one of the least discussed topics in many households. Starting financial education early creates lifelong habits. For young children (ages 3-7), use transparent jars instead of piggy banks so they can see money accumulate. Introduce basic concepts like waiting to buy something they want. Teach kids about delayed gratification and the joy that comes from anticipation. Give them small amounts to manage and let them make mistakes with low stakes. For older children (ages 8-12), introduce the concept of earning through age-appropriate chores, distinguishing between expected contributions to the household and extra tasks. Help them divide money into spending, saving, and giving categories. Studies show that children who learn to allocate money to different purposes develop better financial habits as adults. For teenagers, open a checking account together and teach them to track transactions. Involve them in family budgeting discussions, showing how household expenses work. Let them earn larger amounts and make bigger decisions, including mistakes. A teenager who spends their entire summer earnings impulsively learns a more valuable lesson than one whose parents always rescue them. Model healthy financial behavior. Children absorb attitudes about money from watching parents more than from lectures. Discussing family financial goals, demonstrating comparison shopping, and showing contentment with what you have will teach more powerfully than any allowance system.”
Yoav Wachsman – Professor, Coastal Carolina University
What tips do you have for consumers looking to make a budget and stick to it?
“First tip is to understand your expenses, what are permanent and which ones are discretionary… Once you have tracked a pattern then you can decide on restrictions based on your goal. Tracking is especially important in an environment where there is a lot of uncertainty in the stock market, and inflationary expectations. Tracking is also important to understand one’s discretionary spending pattern which is typically underestimated. A critical tip is use one of the several apps/software available for tracking expenses automatically and can be exported to a spreadsheet. It may sound stereotypical, but the 50/30/20 rule still helps. 50% needs (housing, utilities, groceries), 30% wants (entertainment, dining out), 20% savings and debt repayment. Adjust these percentages based on your income level and goals… Set up automatic transfers to savings accounts and automatic bill payments. When money moves without requiring constant involvement, it is more likely to stick to a plan… Know your needs and build in some flexibility. Rigid budgets fail quickly. Include a ‘miscellaneous’ category for unexpected expenses and occasional treats. Aim at a positive cash balance in the account no matter how small it is. Quick weekly check-ins (10 minutes) keep you aware without being burdensome. Monthly reviews let you adjust categories that were unrealistic. Once again using a personal finance software/app helps a lot to catch up.”
Dr. Suchi Mishra – Professor, Florida International University
5 Tips for Better Budgeting
- Start with a plan: You're more likely to succeed and stay on track if you have a solid plan. The budgeting process involves gathering information about your finances, setting goals for what you want to accomplish, allocating money based on how essential each expense is and tracking your progress. Understanding budgeting is important because it can help stop you from overspending, improve your credit score, prepare you for the future and more.
- Use free budgeting tools: You can take advantage of online budgeting tools to build your ideal budget, whether you prefer to micromanage every expense or just create a few general categories.
- Keep your priorities straight: Your monthly debt payoff should be your first priority. Then comes essential expenses, like bills, groceries, and gas, along with saving money for the future. Only after these things are taken care of should you allocate money for “wants.”
- Try out different budgeting methods: There are a variety of budgeting strategies you can use, and the best one may differ from person to person. Some strategies (like the 50/30/20 budget) recommend spending specific percentages of your budget on needs, wants and savings, while others emphasize making sure every dollar is accounted for (zero-based budgeting method) or focus on setting strict spending limits on different spending categories (envelope method). The key is to find out which one works best for you.
- Stick to your budget: Track your spending on a daily basis so you constantly know your progress, or just sync your bank accounts and credit cards with a budgeting app. In addition, keep your long-term budget goals written down in a place where you’ll see them often, and partner with a family member or friend to hold each other accountable.
More From WalletHub
Enriching Education - Host an International Exchange Student or Become One
This fall, international high school students from around the world will arrive in communities across the United States, eager to experience everyday American life as part of a local family. ASSE International Student Exchange Programs (ASSE), a nonprofit public benefit organization, is inviting families to open their homes as volunteer host families for the upcoming academic year or semester and become involved in this unique, deeply personal cultural exchange experience.
For students coming from more than 50 countries, including France, Denmark, Spain, Italy, Germany, Japan, and Australia, the exchange experience is about much more than attending an American high school. It's about sitting down for family dinners, learning local traditions, joining school activities, and becoming part of a community. For host families, it's an opportunity to see their own culture through a new lens while forming relationships that will last a lifetime. Families can learn more about the students participating in the program by visiting Meet ASSE's Exchange Students.
"Students are eager to meet their American host families," said Saphia Lesch, ASSE Midwestern Regional Director. "Start the journey today and create lifelong memories and friendships."
Since its founding by the Swedish Ministry of Education in 1938 and its expanding into the United States in 1976 as the American Scandinavian Student Exchange, ASSE has been working for decades to bridge cultures through education. Today, it is a non-profit organization with its national office in California, regional offices throughout the United States and 38 partner offices in 31 countries worldwide, united in its mission to bring people together through international student exchange.
ASSE's exchange model emphasizes immersion and community involvement. Boys and girls between the ages of 15 and 18 live with volunteer host families and attend local high schools, where they participate in classes, extracurricular activities, sports, and community life. The host families don't just open their doors to the student, but make them a part of their family, sharing everyday experiences that form the foundation of the students' experience living in America.
Persons of all backgrounds are encouraged to apply, including couples with or without children at home, single parents, and individuals. Previous experience as a host family is not necessary. ASSE exchange students are carefully selected on the basis of academic performance and personal character. Potential hosts may review the student profiles and choose the student whose interests, personality, and background best suit their family.
ASSE exchange students come with their own spending money for personal expenses, as well as health, accident, and liability insurance, which reduces the cost to the host family. LocaL ASSE community representatives are on hand to provide guidance and support to the student and the hosts during the exchange program, which helps ensure the experience is positive and rewarding for all.
The impact of hosting often reaches beyond the home. International students bring global perspectives into classrooms, neighborhoods, and community activities, creating everyday opportunities for cultural learning and connection. These shared experiences help foster empathy, understanding, and curiosity in ways that textbooks alone cannot.
In addition to hosting international students in the United States, ASSE also offers qualified American students the opportunity to study abroad for a semester, a full school year, or shorter-term summer programs. These programs allow students to gain international experience, build independence, and develop valuable language and cultural skills.
Families interested in hosting an international exchange student, or high school students interested in studying abroad, can learn more and begin the application process by calling 1-800-736-1760, emailing asseusamidwest@asse.com or visiting www.asse.com.
Travel Tidbits - Travel Outlook Survey
Americans are showing few signs of slowing down their travel in 2026.
IPX1031’s annual Travel Outlook survey finds 94% of Americans plan to travel this year, with 42% planning to travel more in 2026 than they did in 2025.
- 49% prioritize travel in financial planning
- 1 in 10 plan to take on debt in 2026 for travel
- 15% have used Buy Now, Pay Later services to cover travel costs
Many Americans will also be turning to AI: 30% plan to use AI to plan trips this year. The top ways they will utilize the technology? Finding restaurants & activities (66%), finding destinations (56%), and building itineraries (55%).
While cost remains a concern for many Americans, 20% say fear of travel delays is what’s actually keeping them home.
Take a look at the full report for more insights including where Americans plan to stay, their top reasons for traveling, and spring break plans in 2026.
Healthy Habits - Show Love to Your Health, and Your Wallet, with FSA- and HSA-Eligible Purchases from FSA Store® and HSA Store® in time for Valentine’s Day
Want to make Valentine’s even sweeter this year? Go beyond chocolates and flowers and add a little self-care. Health-E Commerce®, parent brand to FSA Store® and HSA Store® , is flipping traditional gifting on end with its list of “most-loved staff picks” that can be purchased with flexible spending account (FSA) and health savings account (HSA) funds. It’s the perfect way to show your love by gifting yourself and your eligible dependents trending products that support everyday health and self-care.
“Nothing says ‘love’ more than tending to someone’s health and wellbeing, but FSA and HSA users often don’t realize they can use their tax-free funds to give the gift of good health to their eligible dependents or to invest in their own health and self-care,” said Keri Kaiser, chief revenue officer for Health-E Commerce®. “And if you’re enrolled in an FSA with a March 15 grace period deadline, there’s no better time than now to check your balance and spend those funds to avoid a forfeiture.”
Most-loved Products from Health-E Commerce® Employees
Therabody Recovery ThermCube. Benefit from ice or heat therapy with this wearable, portable pain relieving device that can be used in multiple areas of the body. Sean from sales loves that there’s no melting or mess, and the strap stays in place!
Cure Hydrating Electrolyte Drink Mix Pouches. A convenient way to re-hydrate without adding sugar to your diet. Ideal for workouts, travel, or long days on the go. Cassie from marketing loves all the flavors and would “100%” recommend this product to friends.
Supergoop! Unseen Sunscreen SPF 50. Prevent skin damage with this invisible, weightless sunscreen that layers seamlessly under makeup and encourages daily SPF use. Mairead from the data team wears it year ‘round and loves that it goes on completely invisible, so it even works as a primer under makeup.
Chirp XR 3-Pack. Maintain mobility and soothe sore muscles with multiple sizes that deliver relief for back and neck pain. Karly from marketing uses it to alleviate stiff back muscles and maintain healthy movement.
Revive Heated Massage Gun, Caring Mill™ by Aura, Massages are a Valentine’s Day favorite, and you can up your game with this combination of heat and percussion therapy that targets sore muscles at home or on the go. Ayanna from sales loves the combo of deep tissue massage and heat that makes recovery super easy!
Sona Hot Stone Therapy System. Bring the spa to your home with therapeutic warmth that relieves muscle tension and eases stress. Jen from marketing uses this product to target back and shoulder pain and to treat herself to a more “luxurious” pain remedy.
IMAK Pain Relieving Sleep Therapy Eye Pillow. Sleep is a cornerstone of good health, and this eye pillow is an effective way to improve sleep and treat headaches. James from marketing loves this product for its super soft texture and light-blocking qualities.
Caring Mill™ Bug Bite Relief Patches. Unless you’ve been bitten by the love bug, keep these bug bite patches on hand for a fast, mess-free way to stop itching and irritation caused by insect bites. Sarah from marketing says it’s the only thing that stops the itch of mosquito bites. “It feels like a magical patch for bug bites!”
Magic Molecule Hypochlorous Acid Spray. A versatile, healing solution for skin that cleans and treats common ailments like eczema, acne, and rashes. Francel from marketing loves how versatile this product is. It’s gentle enough for skin but effective for everyday disinfecting of cuts, bug bites, and more, without worrying about harsh chemicals.
Momcozy Breast Milk Storage Bags. Nursing moms will appreciate these easy-to-use, self-standing breast milk storage bags. Make life easier while giving baby a healthy start. Skylar from sales loves using her FSA funds for this everyday item, because the real costs of parenthood add up quickly with everyday necessities like postnatal recovery products, pumping supplies, and infant-approved medicines. Being able to use her tax-free funds for these essentials is a true relief and has helped remove a lot of financial stress during an already emotional time.
To explore even more ways to treat yourself and your dependents to these proven products, check out the eligibility list at FSA Store® or HSA Store®.
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About Health-E Commerce®
Health-E Commerce® is the parent brand to FSA Store® and HSA Store®, online stores that serve the 70+ million consumers enrolled in pre-tax health and wellness accounts. The company also created Caring Mill®, a popular private-label line of health products through which a portion of every purchase is donated to the Children’s Health Fund. Since 2010, the Health-E Commerce® brands have led the direct-to-consumer e-commerce market for exclusively pre-tax health and wellness benefits. Health-E Commerce® plays an essential role in expanding product eligibility for important new categories within the list of eligible medical expenses.
Wednesday, February 4, 2026
Movie Minute - He Calls Me Daughter
Tickets are on sale NOW for HE CALLS ME DAUGHTER, a documentary for women who have felt unseen, unsupported, or unsure of their worth. Through intimate, first-person stories, viewers follow women as they begin to name the pain they’ve carried for years: father wound.
Experience the love of a perfect Father who offers peace, belonging, and restoration March 17 & 18 ONLY.
Watch the Trailer now: hecallsmedaughter.org/
#HeCallsMeDaughter #
He Calls Me Daughter is releasing in theaters March 17 & 18 only.
This could be a great healing experience for women, and I encourage you to check it out!
Learn more
- Instagram: @
hecallsmedaughterfilm - Facebook: @
hecallsmedaughterfilm
Music Minute - Apple Music's Lost & Found: Time Will Tell
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