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If you say any of these 5 things to kids, stop immediately

I get a lot wrong as a parent and I say or do things I look back on later and feel awful about. So it's a bit rich of me to write this when I'm just winging it like everyone else; but these five phrases really rile me up and I'm writing about it anyway.

1. Boys will be boys

As a mum of two boys this phrase never fails to make me squinty with supressed rage. Firstly it implies that all boys are the same; inherently destructive, violent, messy, boisterous and just plain naughty. This phrase is often used to excuse bad behaviour, almost saying they can't help but act in a certain way, which is fatalistic and based on really old-fashioned gender stereotypes. Secondly it implies that these traits are acceptable because they are boys, and perhaps if my nieces acted in a similar manner it would not be accepted. This makes the feminist in me rage, and the mum in me despair; we are trying to raise boys to be men that are respectful and responsible citizens, and this sort of archaic rhetoric just encourages the type of laddish culture that breeds much darker behaviour in later life.

2. Never did me any harm

My first thought is always – are you absolutely sure on that? And even if you are it does not logically mean that whatever you're referring to – be it smacking a child, smoking in the car, cot bumpers, car seats or led-based paint – won't harm another child. You can't know how an individual will react to something, in the same way that people can experience the same trauma and react completely differently. This phrase is totally illogical and it is used a lot to excuse practises we now know, with years of research in early years development, are damaging.

3. They didn't mean it

Recently at the park I watched a kid smack my two year old in the face. I wasn't too concerned; he was fine (if a little indignant) and I remember my eldest going through a hitting phase at a toddler. I'm certainly not the sort of parent to make a big deal about it; they're all learning. I was a little irritated by the reaction from the mum though. She rushed over to console her child and immediately started making excuses for him; he didn't mean to hit, it's busy here, the slide is fast, and other random observations that had nothing to do with the situation. When it comes to their own children, some parents really do have permanent beer googles don't they? He did mean to hit, and that's alright – he's a child! But you can't just ignore it. If your child is in the wrong just accept they did something you don't want to see in the future and address it. Explaining it away isn't going to teach them not to do it next time.

4. Don't cry

It's perfectly healthy to cry but we are conditioned to try and stop it happening. It depends on the situation of course, but a blanket "don't cry" isn't very helpful. I find myself saying this sometimes when I perceive the reasons for their tears to be silly; a broken banana, a wobbly chair, a rainy day. But even if the reason for crying seems like nonsense they are still feeling those feelings. I get grumpy about stupid things too, but I've learnt to shake it off and can reason with myself a bit better than, say, a toddler. It might be inconvenient at times but I get a much better response when I sympathise rather than just try to stop the tears immediately. I don't always stick to this one myself, it's almost an automatic response to see crying and say "aw don't cry!" straight away. Never seems to help though. I don't cry often but if I was sobbing into my wine one evening and someone just told me to stop I'd be a bit irritated.

5.Don't be shy!

I'm an actual adult and pretty confident most of the time, but I still get apprehensive in certain social situations, especially right at the beginning of a party when I don't know everyone. So just telling kids not to be shy is pretty dismissive, and really hard to accomplish. It also labels them as "shy", something they will start believing about themselves if they hear adults say it enough. It would be more accurate, and productive, to say "he's just settling in", or just let them hang around with you and watch for a bit before they decide to join in.

We can't always monitor what we say and constantly think before we speak to our kids; but these ones really wind me up. How we speak to and about our children can shape the way they think about themselves.

Women founders continue to come up against common challenges and biases

Written by Kelly Devine, Division President UK & Ireland, Mastercard

Starting a business may have historically been perceived as a man’s game, but this couldn’t be further from reality. Research shows women are actually more likely than men to actively choose to start their own business – often motivated by the desire to be their own boss or to have a better work-life balance and spend more time with their family.

The recently published Mastercard Index of Women Entrepreneurship 2021 found that in the category of 'Aspiration Driven Entrepreneurship’ – capturing those who actively choose to start their own business – women in the UK surpass men: 60% vs 56%. And Mastercard research from February 2022 found 10% of female business owners started their business in the past two years compared to 6% of men – meaning women were 67% more likely to have started a business during the pandemic.

Yet, there are common challenges that women founders continue to come up against - not least the gender imbalance in the household and long-held biases which are still prevalent.

In the UK, women are almost three times more likely to be balancing care and home commitments than men, and this was exacerbated during the pandemic as the additional barriers of school closures and lockdowns meant that the care time of dependents rose significantly on a day-to-day level for women. In addition, women were less likely to have access to a home office, greatly impacting the work they were able to accomplish when working from home was the only option.

It's also widely known that female business owners are still more likely to struggle to access funding for their business ideas. According to Dealroom, all-women founding teams received just 1.4% of the €23.7bn invested into UK start-ups in 2021, while all-male leadership teams have taken almost 90% of the available capital.

Without financial support, and when juggling significant time pressures both at home and at work, how can women grow their companies and #BreaktheBias (as this year’s International Women’s Day termed it)? What tools or support can save them time and money, and give them the headspace they need to focus on building their business?

With female owned businesses collectively estimating revenue growth of £120 billion over the next five years, solving this problem is bigger than supporting women – it’s about supporting the national economy.

Using tech to level the playing field

There are clearly societal issues at play that need to be resolved. But when we look at the rise in technology businesses during the pandemic, we can plainly see an alternative source of support critical for business growth: digital tools.

A third of female business owners say new technologies will be crucial to the success of their business in the future and one in five say it is the most important thing for business growth.

With new technology comes new ways to pay, create, and work. And yet there are barriers that prevent business owners accessing this technology. Women are significantly more likely to say they want to use more digital tools but don’t know what is best for their business and also more concerned about the security of digital tools.

When technology is adopted by businesses – whether using online accounting solutions or messenger services for communicating with staff – it saves them time, allows them to maintain and grow their customer base, and ultimately increases cost savings and profit.

By drastically improving the training and support that is available to women-owned business to access and utilise technology we will allow these businesses to grow and succeed. And we know there is demand for it.

Research done by the IFC and Dalberg shows that female entrepreneurs are more likely to invest time and money in business development. This includes product development, customer base expansion, and digital tools and training and there are plenty of services available offering this type of support – many of them for free.

One such programme is Strive UK – an initiative of the Mastercard Center for Inclusive Growth – which aims to reach 650,000 micro and small business owners across the UK and empower them with the tools they need to thrive in the digital economy through free guidance, helpful tools and one-to-one mentoring.

Working together with small business experts – Enterprise Nation, Be the Business and Digital Boost – we hope to ensure hundreds of thousands of UK female business owners have the tools they need to succeed and reach their ambitious goals. Because this ambition remains strong in the UK, with female business owners largely optimistic about the future despite the multitude of challenges they are facing. Four in ten say they will grow their business in the next five years – compared to only a third of male business owners – and they’re also 35% less likely than men to say they plan to downsize or close the business.

But if we do not empower female entrepreneurs to access the tools and technology they need to grow, there is a risk this optimism could be misplaced. Support programmes that provide business owners with guidance and mentorship can help ensure this isn’t the case, allowing female entrepreneurs to not only survive but thrive in the months and years ahead.