Financial update....well, really, there isn't much to update. We are currently enrolled in Dave Ramsey's Financial Peace University. I LOVE it!! I just thought I was on a budget! One thing you realize when taking his class is that you HAVE to be organized and prepared! I discovered that we were just floating through life. No savings, no emergency fund, no car repair fund, no vacation fund...the list goes on and on! Thus, this is one reason we got ourselves in MAJOR credit card debt! Now we are actually trying to get organized and prepared. EVERY dollar is accounted for! It's time consuming and stressful (for me anyhow), but it's well worth the benefits.
So, this morning I have been working on the budget and tweaking amounts. Did I mention it was stressful?! Christmas coming up, bills behind, Senior pictures to buy, winter clothes to replace....UGH!!!! I am struggling with not allowing this to steal my joy...I MUST trust my Heavenly Father!! I worry! I stress!! I try to figure things out and plan...and it does nothing but add to my stress level! I become depressed and discouraged! Realistically, it took almost 3 years to get us into this debt mess, so I can't just wave a magic wand and get out of it. I know this is a growing season for me! Trust has always been a huge issue for me! So, to trust God to bring me through this is HUGE! I know silly, right? I trust Him to save my soul, but not help me with my finances.
Okay, thinking positively...we are on a budget...a STRICT budget. We are becoming organized and prepared. We ARE trusting our Heavenly Father to bring us through this!!!
Now, I am trying to think creatively about Christmas. I am clueless! I have no ideas! I'm frustrated! Ugh! I am running into issues finding winter clothes at Goodwill too! I think more people are shopping at Goodwill, so the selection has went way down. Jeff's compressor in his car has went out (no money saved for that yet). We are STILL waiting to see if our mortgage company will approve us for a loan modification (it's been almost 4 months). Hmmmm, let's see and gas is going up in price, and winter is coming so the electric bill will most likely go up. And to top it all off....Jeff's overtime hours have been reduced and possibly discontinued until Spring. Wow!! I'm just spreading the joy and happiness, huh?
On to the positive,taking Dave Ramsey's class, doing budget and menu plan, and we are enjoying simple and fun family times!
So, there is the update....it is what it is. Depressing...but hopeful.
Monday, October 18, 2010
Monday, September 20, 2010
One of those mornings....
5:45 am Woke up and let the dogs out
5:47 am Made coffee!!
5:50 am Packed lunches and snacks
6:00 am Folded a load of clothes and started washing another
6:10 am Put away towels and emptied dishwasher
6:20 am Dogs are fed, coffee poured and Fox news on
6:30 am Wake kids up and start getting clothes ironed
6:35 am Wake kids up again
6:40 am Listen to the whining of kids having to get up!
6:45 am Fuss at kids for not getting ready
6:50 am Trent still trying to figure out what to wear for wacky tacky day
6:52 am Autumn still wanting to play with the dogs instead of getting ready
6:55 am Kids still not ready...the yelling starts!
7:00 am Autumn and Trent finally dressed...but breakfast not ate
7:05 am A fight with Autumn about what she is allowed to eat for breakfast
7:07 am Trent watching the news instead of brushing teeth and finishing up
7:10 am Autumn finally decides what she wants for breakfast
7:12 am Trent makes a change in wacky tacky outfit again!!
7:15 am Autumn finally brushing teeth and I am fixing her hair at the same time!
7:17 am Trent didn't have back pack ready or his cross country bag!!
7:18 am I start sweeping the kitchen just so I won't blow my top waiting!
7:19 am Lights off, tv off, dogs in crate, coffee in hand, ready to go
7:21 am Finally out the door!!
7:24 am Fights start in the car between the kids...not even sure what started it!
7:26 am Kids yelled at and Prayer started
7:35 am Prayer ends
7:37 am Trent dropped off at school
7:38 am Autumn talks all the way to school about being able to snap now.
7:41 am Autumn dropped off at school
7:42 am Get a much needed text from a dear friend wishing my a blessed day!!
7:45 am Prayed while driving home
8:00 am Home Finally!! Another cup of coffee and devotional!!
Whew! And what's ironic is my hubby just doesn't understand why I get so frustrated in the mornings! Ugh!!
5:47 am Made coffee!!
5:50 am Packed lunches and snacks
6:00 am Folded a load of clothes and started washing another
6:10 am Put away towels and emptied dishwasher
6:20 am Dogs are fed, coffee poured and Fox news on
6:30 am Wake kids up and start getting clothes ironed
6:35 am Wake kids up again
6:40 am Listen to the whining of kids having to get up!
6:45 am Fuss at kids for not getting ready
6:50 am Trent still trying to figure out what to wear for wacky tacky day
6:52 am Autumn still wanting to play with the dogs instead of getting ready
6:55 am Kids still not ready...the yelling starts!
7:00 am Autumn and Trent finally dressed...but breakfast not ate
7:05 am A fight with Autumn about what she is allowed to eat for breakfast
7:07 am Trent watching the news instead of brushing teeth and finishing up
7:10 am Autumn finally decides what she wants for breakfast
7:12 am Trent makes a change in wacky tacky outfit again!!
7:15 am Autumn finally brushing teeth and I am fixing her hair at the same time!
7:17 am Trent didn't have back pack ready or his cross country bag!!
7:18 am I start sweeping the kitchen just so I won't blow my top waiting!
7:19 am Lights off, tv off, dogs in crate, coffee in hand, ready to go
7:21 am Finally out the door!!
7:24 am Fights start in the car between the kids...not even sure what started it!
7:26 am Kids yelled at and Prayer started
7:35 am Prayer ends
7:37 am Trent dropped off at school
7:38 am Autumn talks all the way to school about being able to snap now.
7:41 am Autumn dropped off at school
7:42 am Get a much needed text from a dear friend wishing my a blessed day!!
7:45 am Prayed while driving home
8:00 am Home Finally!! Another cup of coffee and devotional!!
Whew! And what's ironic is my hubby just doesn't understand why I get so frustrated in the mornings! Ugh!!
Sunday, September 19, 2010
Overwhelmed by His Love!
This post is just a reminder of how awesome our God is! Today during our worship service to be able just to close my eyes, lift my hand and sing to my Heavenly Father was completely and totally humbling! My Lord and Savior who sits on His throne allows me to openly and confidently come and worship Him! The feeling is totally indescribable. Once I enter into His throne room nothing else matters. All the stress, the worries, the failures, and insecurities all melt away. He loves me so completely! He is faithful and loyal! He knows me...knows my faults, knows my heart and still chooses to love me! He is in control! He is working in my life! Even when I can't see it, even when I don't feel it...He is there.
I think sometimes that people forget...I forget, just how wonderful it is to be able to come before our Heavenly Father...Our Holy, Righteous and Sovereign Father. To think about who I am, how sinful, how filthy I am and He stills allows me...ME to come before Him! To know that Jesus went through the most horrible and painful death imaginable for ME...so I could be forgiven, so I could come to my Father and worship...so I could speak to Him, so He would hear my prayers...is overwhelming. How could one not worship Him in awe!! His love is incomprehensible!
I think sometimes that people forget...I forget, just how wonderful it is to be able to come before our Heavenly Father...Our Holy, Righteous and Sovereign Father. To think about who I am, how sinful, how filthy I am and He stills allows me...ME to come before Him! To know that Jesus went through the most horrible and painful death imaginable for ME...so I could be forgiven, so I could come to my Father and worship...so I could speak to Him, so He would hear my prayers...is overwhelming. How could one not worship Him in awe!! His love is incomprehensible!
Friday, September 17, 2010
Menu Plan
I'm starting back to my menu planning. It truly does help to have this list on the refrigerator for all those busy nights. And it also helps you to stick to the grocery list and budget.
Mexican casserole
Smoked Sausage with potatoes
Breakfast casserole
Manwichs
Homemade Pizza
Baked chicken
Pinto Beans
Shepherds Pie
Garlic and Herb Tuna Cakes
Potato Soup with grilled cheese sandwiches
Spaghetti
Meatloaf
Shrimp Scampi
Baked ziti
Those are just the main dishes. I have frozen veggies to serve also.
So, now that I am back on board with the menu planning, I also want to get back to freezer meals. I am getting my next shopping list together to include some freezer meals. Cooler weather means soups and stews can be added! :-)
Now I just need to figure out the coupon game and I will feel really frugal!! Lol!
Mexican casserole
Smoked Sausage with potatoes
Breakfast casserole
Manwichs
Homemade Pizza
Baked chicken
Pinto Beans
Shepherds Pie
Garlic and Herb Tuna Cakes
Potato Soup with grilled cheese sandwiches
Spaghetti
Meatloaf
Shrimp Scampi
Baked ziti
Those are just the main dishes. I have frozen veggies to serve also.
So, now that I am back on board with the menu planning, I also want to get back to freezer meals. I am getting my next shopping list together to include some freezer meals. Cooler weather means soups and stews can be added! :-)
Now I just need to figure out the coupon game and I will feel really frugal!! Lol!
Thursday, September 16, 2010
Financial Peace
For years I have been listening to Dave Ramsey. But, now I am actually enrolled in his Financial Peace University. Not only are Jeff and I going thru this class, but they have allowed Trent to sit in it as well. This is HUGE! I don't want Trent making the mistakes we made! I feel like this will give him a good foundation to go with the example Jeff and I are trying to set.
We have been serious about getting out of debt for approximately 2 years now...but, taking this class we feel more empowered and more equipped to do so. I'm excited...well, as excited as you can be about pinching pennies and trying to get out of debt.
Now on to the pinching penny part.
1. I have switched banks for my checking account. This bank offers 3% interest for my checking account. Huge difference from old bank of .054%!
2. Made a "Quickie Budget". This is the first budget that Dave wants a family to make. Next will be a more detailed budget...but for now the quickie one is what we are going on until we get more data on our actual expenses.
3. Back on a menu plan. Over the summer I kinda got out of this. I wasn't as organized and I really didn't take the time that I needed to do the best in this area.
4. Reading Dave's book Financial Peace.
Small steps, but steps all the same. This is the easy part for me...the hard part is people and relationships!
People don't understand the word budget or choose not to understand. We have been made fun of, belittled and talked about behind our backs...yep, I can assure you people are more than willing to tell you what your "friends" or acquiantances say about you behind your back. I truly do not understand why this is a source of ridicule. I do not find it shameful to want to be a good steward of what the Lord has blessed us with nor do I find it disgusting or awful to be debt-free. If it's between going out to eat or putting money in our emergency fund...guess what?! Emergency fund ranks higher in importance! It's not that we are being "unsocialable" or I think the best remarks I have heard made were, "We think we are better than them and don't want to hang out." or "They thought we wanted to be friends...we lied."
Can you believe those comments?! I just have to shake my head.
I just got out of a toxic and dangerous relationship a couple of years ago...I have no intention of being pressured or manipulated into doing something or spending money that I do not have. I will not allow anyone to have that control over me any more. Now, I must admit that I have slipped up a couple of times and given in to peer pressure. But, with God's help, wisdom and discernment I will not go back into a people pleasing mentality!!! That's how I got myself into this mess!! Really when you think about it...why would you want to be "friends" or hang out with someone who does not value or respect you. If they did, they would be supportive...not ridicule you. So, all that said to say this....penny pinching is not fun, doing without is not easy, saving money is hard, making a budget and sticking to it is a lot of work, ridicule and belittling from others is not easy to take, BUT being debt free and having that security is soooooo worth it.
We have been serious about getting out of debt for approximately 2 years now...but, taking this class we feel more empowered and more equipped to do so. I'm excited...well, as excited as you can be about pinching pennies and trying to get out of debt.
Now on to the pinching penny part.
1. I have switched banks for my checking account. This bank offers 3% interest for my checking account. Huge difference from old bank of .054%!
2. Made a "Quickie Budget". This is the first budget that Dave wants a family to make. Next will be a more detailed budget...but for now the quickie one is what we are going on until we get more data on our actual expenses.
3. Back on a menu plan. Over the summer I kinda got out of this. I wasn't as organized and I really didn't take the time that I needed to do the best in this area.
4. Reading Dave's book Financial Peace.
Small steps, but steps all the same. This is the easy part for me...the hard part is people and relationships!
People don't understand the word budget or choose not to understand. We have been made fun of, belittled and talked about behind our backs...yep, I can assure you people are more than willing to tell you what your "friends" or acquiantances say about you behind your back. I truly do not understand why this is a source of ridicule. I do not find it shameful to want to be a good steward of what the Lord has blessed us with nor do I find it disgusting or awful to be debt-free. If it's between going out to eat or putting money in our emergency fund...guess what?! Emergency fund ranks higher in importance! It's not that we are being "unsocialable" or I think the best remarks I have heard made were, "We think we are better than them and don't want to hang out." or "They thought we wanted to be friends...we lied."
Can you believe those comments?! I just have to shake my head.
I just got out of a toxic and dangerous relationship a couple of years ago...I have no intention of being pressured or manipulated into doing something or spending money that I do not have. I will not allow anyone to have that control over me any more. Now, I must admit that I have slipped up a couple of times and given in to peer pressure. But, with God's help, wisdom and discernment I will not go back into a people pleasing mentality!!! That's how I got myself into this mess!! Really when you think about it...why would you want to be "friends" or hang out with someone who does not value or respect you. If they did, they would be supportive...not ridicule you. So, all that said to say this....penny pinching is not fun, doing without is not easy, saving money is hard, making a budget and sticking to it is a lot of work, ridicule and belittling from others is not easy to take, BUT being debt free and having that security is soooooo worth it.
Monday, August 30, 2010
What's been going on....
The summer has been slammed with activity!
1. Running and training for the Sourwood 5k.
2. Taking Trent to Cross Country practice.
3. Working and Volunteering at the church.
4. Cleaning house.
5. Montreat Student Move-in.
6. Media fast...only the news and Joyce Meyer was watched on television.
7. Jeff and Trent going to Panama City for "BigStuf" youth camp.
8. Taking our family on the Parkway hiking trips.
9. Community VBS at the local school...preparation and painting of back drops.
10.Spending time studying and soaking in the Word of God!!
Maybe not a terribly exciting summer...but I have no regrets!!
1. Running and training for the Sourwood 5k.
2. Taking Trent to Cross Country practice.
3. Working and Volunteering at the church.
4. Cleaning house.
5. Montreat Student Move-in.
6. Media fast...only the news and Joyce Meyer was watched on television.
7. Jeff and Trent going to Panama City for "BigStuf" youth camp.
8. Taking our family on the Parkway hiking trips.
9. Community VBS at the local school...preparation and painting of back drops.
10.Spending time studying and soaking in the Word of God!!
Maybe not a terribly exciting summer...but I have no regrets!!
Tuesday, July 6, 2010
Stepping out of the box...
What I am about to type may sound so silly for most...but for me, it has been life changing!
Sunday I had the honor of serving the vets dinner at the ABCCM Vet Quarters. Now, I have served before...but, only in a church setting. I can hear my Pastor preach about getting out of our 4 walls and ministering to others. I'm not sure how I thought I was doing that, but honestly, I thought I was. Then Sunday evening I woke up! My life has been sheltered and naive! I realize that now.
I was nervous about going to the vets quarters. It was an unknown envirnoment with unknown people who suffered unknown things. Now for me to step out of my box is one thing but to take my entire family to the unknown is another. I was honestly a little scared. All those fears instantly went away as soon as I walked in the lobby! The greeting we received was that of such appreciation and love it was overwhelming! We were immediately accepted, the men there were so gracious and filled with joy and appreciation. We went to bless them, but they blessed us! My whole family enjoyed our time there. It was only an hour and a half, but that hour and a half was life changing. How silly I was to be afraid! Now the most ironic part...Pastor Kevin preached on fear that morning! Yep, God was preparing me and speaking to me...He knew that I was nervous. For some reason I don't have a problem stepping out of my box to do new things...but when my kids are involved, I get nervous and I have anxiety over it. But, God has been faithful and so good....and patient. He is stretching me and shaping me. Things I have never thought of and never considered are now possibilities. So, all of this said...to say that I am excited to see where God is taking me. To see God in action in my life and my family's life. And most of all...I'm excited to see how God is going to use me!
Sunday I had the honor of serving the vets dinner at the ABCCM Vet Quarters. Now, I have served before...but, only in a church setting. I can hear my Pastor preach about getting out of our 4 walls and ministering to others. I'm not sure how I thought I was doing that, but honestly, I thought I was. Then Sunday evening I woke up! My life has been sheltered and naive! I realize that now.
I was nervous about going to the vets quarters. It was an unknown envirnoment with unknown people who suffered unknown things. Now for me to step out of my box is one thing but to take my entire family to the unknown is another. I was honestly a little scared. All those fears instantly went away as soon as I walked in the lobby! The greeting we received was that of such appreciation and love it was overwhelming! We were immediately accepted, the men there were so gracious and filled with joy and appreciation. We went to bless them, but they blessed us! My whole family enjoyed our time there. It was only an hour and a half, but that hour and a half was life changing. How silly I was to be afraid! Now the most ironic part...Pastor Kevin preached on fear that morning! Yep, God was preparing me and speaking to me...He knew that I was nervous. For some reason I don't have a problem stepping out of my box to do new things...but when my kids are involved, I get nervous and I have anxiety over it. But, God has been faithful and so good....and patient. He is stretching me and shaping me. Things I have never thought of and never considered are now possibilities. So, all of this said...to say that I am excited to see where God is taking me. To see God in action in my life and my family's life. And most of all...I'm excited to see how God is going to use me!
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