Yesterday was a crazy busy day. I put in 8 hours at my seasonal job, 2 hours at my part time job and did some things in town for my home business. In addition to that, I managed to get some personal shopping done as well. [Read more…]
Motivation Monday: Getting out of debt is hard work!
In need of some encouragement?
Getting out of debt is hard work! I’d be lying if I said it wasn’t. There are days I find myself struggling and feeling frustrated with the entire process. On days like these, it would be super easy to throw in the towel and say the heck with it. But I won’t! Doing so would do absolutely nothing to help our situation. What I will do is look for some encouragement! [Read more…]
April goals reviewed and May goals set
Because…”If you aim at nothing, you will hit it every time!” ~ Zig Ziglar
Ever have one of those days where it feels like a struggle to get through every hour? When it came to our finances this past month, this is how every day seemed like to me, a struggle! April was rough! I can’t blame it on anything, in particular, just a lot of everything. Despite the challenges, we persevered. I’ve updated April’s goals in red. While it would be easy to feel defeated, I don’t. We still made progress, and I am thankful for what we did accomplish. [Read more…]
It is not too late to start planting!
“The best time to plant a tree was 20 years ago. The second best time is now.” –Chinese Proverb.
A few days ago, a fellow blogger over at One Family One Income reminded me of this old Chinese Proverb, and it got to me thinking. She didn’t refer to directly to this Proverb but was questioning why the previous owners of her house had never planted a single tree or shrub. She and her husband were now looking at various options of what to plant. They also wanted to give their landscape a jump start by planting larger trees. Additionally, they have been taking other necessary measures to spruce up other areas of their yard by cleaning up junk left behind and now thatching and reseeding. When it comes to many things in life, including our finances, the very same concept can apply. That is what I love about this old saying. [Read more…]
Onward and Upward
My seasonal job has officially begun!
The past week has been one of getting reacquainted with my seasonal position of last year. With this being my second year on the job, many things are thankfully very familiar. I’ve never been one who enjoys a lot of change or surprises. Change, however, is often to be expected, whether we like it or not. We do have some new faces on staff and also new software. So far it seems to be a relatively easy program to navigate. As for the new faces, they all appear to be friendly. [Read more…]
Beyond The B Team
Which team is yours?
Have you ever looked at an area in your life and thought “Wow, I’m really on the B team with this one!” I believe that it is safe to say that at some point or another, we all have felt that way from time to time. Let’s face it, while it would be awesome to automatically excel at everything we do in life, that simply isn’t reality, or at least not for the majority of us! [Read more…]
What are you waiting for?
On average families who complete Dave Ramsey’s Financial Peace University pay off $5,300 and save $2,700 in the first 90 days.
Wow! That is an $8,000 difference in just 90 days! I don’t know exactly how these figures are calculated, this is simply something I pulled from Dave Ramsey’s website. One thing I can say is that my husband and I did indeed see an $8,000+ difference in our own finances in the first 90 days of following Dave’s plan. While my husband and I didn’t actually go through a class, we did read The Total Money Makeover by Dave Ramsey and we also listened to Financial Peace University (FPU) on CD. With my husband’s crazy work schedule, attending a class simply wasn’t a feasible thing for us to do together. I can’t help but wonder how much more we might have been able to do had we attended an actual class. Still, I am beyond thrilled with our progress. [Read more…]
Home Sweet Home
So good to sleep in my own bed!
My mini road trip went well. I made it back home late last evening. Even though I was only away for two nights, it sure felt good to sleep in my own bed again. Have any of you ever sleep on one of those older pullout couches where you feel the bar across your back? That’s what my dad has in one of his spare rooms, and that is what I endured! When my mom was still living, she would put an additional mattress on top of it for overnight guests. The only thing that made it even remotely tolerable was the scent and weight of the wool blanket I used. The smell and feel of the blanket reminded me so much of my mom as she always used wool blankets on the beds in their home. Funny how certain things will bring you back in time. [Read more…]
Why A Dime at a Time?
Because it all adds up!
How little is too little? I was thinking about that the other day in regards to coupons. Several years ago I left a $0.25 cent coupon on the kitchen counter of a patient’s home. At the time I was working as a nurse doing in-home care for (what were classified as) highly skilled pediatric patients. Being in a person’s home for sometimes 40 hours a week, you can’t help but to become a little bit like family, especially more so as the years go by. Such was the case with this patient and his family. While I would never meddle in their personal business, simply by being in their home, it was easy to pick up on certain things. Money was tight for them, as it is for a lot of families caring for a loved one at home. As a caregiver, you quickly learned what the insurance covered and what they family purchased out of their own pocket. This $0.25 coupon was for an item the family regularly purchased…and they purchased a lot of it. [Read more…]
Push me and I’ll push back even harder!
When credit cards don’t play fair.
We can raise your credit card APR just because we can! Sure does seem that way, despite who they want to blame it on. Fellow blogger Rhitter94 over at Planet Debt Free found this out yet again this morning. For her, it was the third time in 15 months that this has happened with one of her credit cards. As aggravated as this understandably made her feel, I commend her attitude… “It just strengthens my resolve to work harder about paying off my debt.” And she is right. Push me and I’ll push back even harder! [Read more…]
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