Growing up….Ramsey Style

For a long time, I wanted to make more money, “To buy things, I cannot afford, to impress people, I do not like,” like Dave Ramsey says.  Now, I want to make more money to pay off my debt and save.  I started Dave Ramsey get out of debt plan last month, and my kids started Dave Ramsey’s Junior Financial Peace.   I am currently on baby step 1, saving a 1,000 dollar emergency fund.  I decided for my situation 2,000 would be better so I am working on that.  I have my debt snowball plan, with my current income it can be paid off in seven years, but I am praying about, what I can do to increase my income with the smallest out-of-pocket expense that allows me the freedom to be at home with my kids as much as possible.  I am super excited, I plan to have all my non-student loan debt paid off by the end of the year, and then hopefully, have the student loans paid off within the next four years.  I am so excited, I just want to tell everyone to jump on board with Dave Ramsey’s financial freedom plan.

Now, if you are not a Dave Ramsey fan, just keep listening, because at first he just annoyed me. Probably, because I know I could do so much better and have nothing to show for all that debt.  And, I thought he was kinda mean, but then I started listening to his testimony and it is powerful.  He says, he was stupid with six digits on the end of it, but what he said that ultimate turned the light on was: If you owned a corporation called Me Incorporated would you fired you for the way you are handling the company money, and it is not your money but God’s (you are His manager, just like our children are only on loan).   The light was are low then I heard the first comment, then flipped on bright after the second comment in both my financial walk and my mom walk (but that is another post).

Now, the hard part sticking to the budget and being patient because like usually I want to hurry up and be on baby step 7, but that will come and what an amazingly beautiful learning experience it is going to be. 

 

 

Baby Steps 

1. $1,000 In An Emergency Fund
2. Pay Off All Debt With The Debt Snowball
3. 3 To 6 Months Expenses In Savings
4. Invest 15% Of Income Into Roth IRAs And Pre-Tax Retirement Plans
5. College Funding
6. Pay Off Your Home Early
7. Build Wealth And Give!

4 comments March 12, 2014
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Blessed and inspired

Yesterday, was my Munchkins birthday. The previous night, I cuddled my sweet munchkin and thanked God for the what an amazing blessing I have. Then, I thought Lord if anything ever happens to either one of my children please remind my of this very moment and the blessings You have given me already and to be thankful for the time, I had with them. I do not know if, that is a morbid thought or not but I know that tomorrow is not promised to us and many of us including me take it for granted much of the time. But, I have heard my Grammy’s stories of the loss of her first child and seen how it has shaped my grandparent’s lives, and more recently, I have seen and read stories of children battling cancer especially one little girl named Madison. I work with her beautiful mother and got to know a little bit about what a beautiful courageous girl Madison was through her mom and through her blog. My heart breaks for her parents, and every time, I hug my munchkins, I thank God and say a pray for Madison’s mom. Who I can only image would give anything to hold her beautiful Madison again. It reminds me of an interview, I saw of the Chapman’s after they lost their previous Maria, where Mary Beth said and I am trying to paraphrasing here, “as a mother, I want my Maria back, I do not care how many lives her death has touched,” I could not even began to image, and to be perfect honest I do not want to. I do, however, want to help but I am not good with words or encouragement and I wish I could just hug them and not out of sadness or pity but out of strength. I have been blessed and inspired through Madison and her mom and through other families, I have gotten to know through Team Madison. So, I ask you to say a prayer for these families who have lost children and the ones still fighting and remember tomorrow is not promised so savory every moment even the moments that make you want to scream or cry because you think your heart is broken.

2 comments July 11, 2012
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me

Wow….the last few days have been testing both emotionally and physically, but you know what.  God has been with me every step of the way.  I am learning that I may act like the ice queen but I am far from it.  I have emotions and feelings and empathy for people and I am a positive realistic person but I have let my reaction to my fear out way that.  I know I have I long way to go, but the last few days have proven that I am letting go of the past and looking forward to a bright future.   And, I have definitely not mastered stopping the fear dance.  I do knowledge it and halt it many times but only stopped it few times.  I do see how I deal with my fear button being pushed and I am working on stopping the anger and gripping because that continues the cycle of anger.

 

I do have a choice.

7 comments April 12, 2012
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GG

Today, I sit here writing a blog about my favorite love story while you are about to see your love after twenty years of being apart. I am excited and a little jealous that you will soon meet Jesus face to face and see Papa again. I pray that you are not suffering and that your journey from this world is quick and peaceful. I wonder what is going to happen to the family now that the glue holding us together is dissolving. Will we stay in contact? Or will we just see each other at weddings and funerals? Then Papa passed our family traditions started to fade. It started with the 4th of July, the first holiday after Papa passed and then progressed to Thanksgiving the next year with Auntie’s heart attack. Then Christmas as us kids grew up and moved away and had children of our own. A few months ago, when, I drove back to Little Town, USA to help pack your house so it could be sold, it was a surreal feeling. I remember driving into town thinking, there is not a single reason to ever come back here. I do not generally visit Auntie and Uncle, and if I did it would not be here. The saying, “You can never return home,” felt so true. I have wondered where we will gather as a family once you have passed, because your house would have been where we would gather. Are we even going to gather as one big family? The time between a passing and the funeral is always a special time to just stop, reflect, and just remember the times with the one who has passed. Are we going to get that as a extended family or just going to be our branch of the family tree gathered together? I do not know, what will happened but I know we will be okay. You have raised all us kids to be strong and faithful and love God with all our hearts. GG, I am so blessed to have you as a Grandma. You took me in then things were rough at home and taught me to love my Mom through our differences and for who she is by letting go of the past. You would tell me that you did not know how I did it, being a single Mom, but GG you raised your younger brothers and sisters, nieces and nephews, grandchildren and great-grandchildren and many more kids in the community. Even my children have memories with their Great Great Grandma, how awesome is that. I wish, I could just have one more minute with you just to tell you, I love you. And, well, to see whether you would love or hate the Christmas present, I made you :). It is your favorite color red, but I did tear a Baptist hymnal up to use the pages. I can see both your reactions: you loving it and then the scolding for destroying a hymnal. But, then, I was committing my felony (the destruction of the hymnal), I was remembering all the hymns you would sing while you went about your business. You said you could not carry a tune, but I loved to hear you sing. I still love to hear those old hymns, it is like being at your house during summer vacation. I loved summers with you and Papa. You would sit me up on the counter and teach me to cook, well, try to teach me. On Saturday’s, we would take you to the beauty shop and we would help Papa clean house. Then we would pick you up and go to Hardee’s for a roast beef sandwich, then on to do the groceries shopping. I remember our allowance was 1.50 a week. I remember, it taking two very long painful weeks to save three dollars. :) I learned so much from you, but the biggest were to love, fight, and have compassion. I will miss you, but I will be okay. The hard part is watching my children lose you. GG, how did you help your children through their loses? I did not know, my heart could break this much. I truly understand a Mom’s heart breaking for her children. The heartbreak their dad causing it nothing compared to this. We will be well, GG, because we know you will be with Jesus, and is exactly how I explained it. I am so excited that anytime now, Jesus’ is going to welcome you with open arms and that someday, we will see you again. We will all love and miss you, but rejoice that someday we will meet again because this is not our home.

All my heart,
sweetpea

1 comment January 12, 2015
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Runway Bride……I am a runner, are you?

Do you remember that movie Runway Bride with Julia Roberts and Richard Gere?  The movie where Julia Robert character runs from all her weddings moments before she is to exchange her vows?  I tend to be a runner, then things start to look like I am going to be hurt…..I run and depending on who you are depends on how fast I run.  On New Years Day, I got mad at one of my dear friends. Our friendship has always been rocky, so my first instinct was to get my things, she had and be done with this friendship.  But, God reminded me of my motto for 2015 which is QBQ?  I could not fail on the first day of 2015, and I have a sneaking feeling that I need to go to her church and I did not want the white elephant in the room.  So, I ask her what I could do to fix this?  We did not really resolve the issue, but I realized through our discussion that God has place some really amazing people in my life to help my through the changes coming this year.  I even tried running when I learned of these changes. But God said nope, and has closed every door I have tried to open myself. I believe He has given me the support and equipment to handle the changes and allowed me to see what I need to learn. I even try running from God, then I think He has giving up on me.  Sometime, I cannot feel God, and I beg to just be able to feel His present and then I do not, that is then the doubt set in.  Is God real? Why would He care what I think or do?  If God is real why cannot I feel Him? Why did He leave me?  What did I do wrong? Why? Why? Why?  Is the question at hand.  This is when I general run fast and furious and shut Him out of my life.  No matter, what I do I cannot run from God, and I am tired of running.  You cannot out run hurt.  We are going to hurt and be hurt, it is  part of life.  I have discovered that many of my hurts are because I had false expectations for others.  My prayer today is that I have less expectations for others and just allow them and me to be who we are without expectations.

Add a comment January 5, 2015
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2015 New Years Resolutions Goals Plan Path Journey

  • 2015 New Years Resolutions Goals Plan Path JourneyWe all know that resolutions are rarely successful. Goals are great but must be outlined then draw and quarterly with little give.  Plans are just dreams that have not become goals.  Path is the road to walk, but the journey is how we walk the path.  I want 2015 to be an amazing journey where I can finally get out of the desert.  Ever feel like the Israelities in your life wandering around the desert for forty years? I am not forty, though my hair says, I could be fifty or sixty and have only been suck for the last three years.  I realized through many closed doors and much prayer that I have to learn to be content with what I am blessed with.  I have a job that I am good at, but I stopped taking the initiative and lost the drive to go the extra mile, but just in the last few weeks God has opened my eyes to see that I have amazing coworker who are becoming friends, and personally, I just want to be a better Mom, and get my ab muscle back :).  Last year, I learned that I cannot be both mom and dad filling in for their dad absents and no one can ever replace him or fill that void but God.  I can focus on our relationships and on our family relationship to help give them a solid foundation.  I want to spend 2015 learning what I can do to have a better attitude and mindset.  To not be that mom, about to rip her hair out in the middle of the Target line because her kids are running a muck or the disgruntled employee who does what is ask while bellyaching in the inside.  I read a book called QBQ several months ago, and then I begging God for an answer for a guide for 2015 this was my answer.  I rediscovered on New Years Day the author and his wife has also written a book called Parenting the QBQ way.  So, I rushed down to the Baptist Book Store and purchased their only copy.  My new motto “What is the QBQ?”.   Which stands for the Question Behind the Questions, both books talk about IQ andQBQ.  An IQ is the incorrect question and theQBQ question behind the question being the better question to ask.  IQ start with why, what, who and general use you, where aQBQ contains anI and an action.   It is a retraining of yourself to get go of what is ready done (good, bad, or ugly) and focusing on what you yourself can do moving forward.Motto: QBQ
    Bible Versus:

    • Psalms 46:10aBe still, and know that I am God
    • Jeremiah 29:11For I know the thoughts that I think towards you, says the Lord, thoughts of peace and not of evil, to give you a future and a hope
    • Matthew 7:7-8Ask, and It will be given to you: seek, and your will find; knock, and it will be opened to you.   For everyone who asks receives, and he who seeks finds, and to him who knocks it will be opened.
    • Proverbs 31: This is the kind of woman, I want to be

Workouts: Five Minutes Abs – daily
Tiny House:  I will have the trailer and shell built by the end of 2015, but I am going to work super hard on having in complete
Massage: Complete my freshman term

What does your 2015 journey look like?

Add a comment January 3, 2015
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Vaccinations

Vaccinations

I have been reading this fascinating book about vaccinations. I have not finished it so I have not yet done my due diligence, so I have not made an opinion on the book but it has definitely kept my interest. I am not here to preach yay or nay, that is not my decision to make but your. I just encourage you to do your own research and decide yourself. I have never been one to let anyone tell me what to do without first looking into it myself. Honestly, the arguments on either side are very influential. Look for good strong reliable information, unbiased information (or know to weed the bias out), talk with your doctor, review both sides, and pray before making your decisions. Take notes in your research and write down why you made your decision because their are going to people on both side trying to change your mind. But, remember, you are going to be you family’s best advocate and you can only make the best decision you can with the information we have today.

Add a comment November 10, 2014
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Bad to Better

Yesterday, started out badly, mainly because I did not got to bed early enough the night before. Then the arguing started about wearing weather appropriate clothes. Then word of my third rejection and that then the tears started and battle not to let them fall. Then, I talked with a friend and expressed all my feeling about the day and this stupid crazy school girl crush I have. Which I am guess is driving to roller coaster of emotion, because I am 32 and happy being a single mom. Why do I have this crush? I digress, but I felt loads better after my confession and my day improved. I even worked on my RV living plan.

This morning Bible versus was:

Galatians 1:10 For do I now persuade men or God? Or do I seek to please men? For if I still please men, I would not be a bondservant of Christ.

Wow…I have to stop trying to impress others and just focus on God. God knows what the plans are for my life and my hearts desires and He will bring them to pass in His time not mine.

Add a comment November 4, 2014
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The Middle of the Bed

The hardest and greatest thing about being a single parent is sleeping in the middle of the bed alone. Have you ever had that feeling then you slide into the middle of the bed, cool fresh sheets gliding across your skin then stretching your arms across the bed breathing in a deep since of peace? Or, crawling into bed so tired and exhausted that life has slapped you silly with cold sheets amplify emptiness, knowing life could have been different if only you might have someone to share life with.

Sleeping alone in the middle of the bed is a freedom I have never felt elsewhere, and then other times it is the elephant sitting on my chest. Then the weight of every decision, I make will effect my munchkins and their future is mine alone. The weight seems unbearable. I pray that I am a strong enough mom to keep my munchkins from becoming a statistic of drugs, violence, gangs, and no faith because their dad chooses not to be a part of their lives, and that I show them enough love and respect, and teach them knowledge, discipline,
and contentment that no matter what life hands them they can make lemonade with a smile.

Add a comment October 23, 2014
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Online Dating Fail

Online Dating Update

So, I started chatting with this guy and it was an instant spark. He actually is a Star Trek, Star Wars and Stargate fan. Out of all three, Stargate is my favorite, so he was an instant favorite, and after several days of texting then I got his name and googled him: Facebook status was married and married this April. I was very very sad. I really really liked him, and honestly, it was hard not to text him. I understand now how a woman, can stay in a relationship with a married man, even after learning he is married. I was not dating a married man. I have to much respect for myself, and I refuse to be the other woman. I have to say that this has deterred my online dating, well dating in general. I have decided that I cannot offer a relationship what it needs, and I do not think I can trust someone to be that close to me and eventually my children. I suck at kissing, do not want to jump into bed with someone after six dates, and then there is the whole blending of the families. I know the stuff I pulled as a kid on my step-dad, so I will pass. And, honestly, I do not have time to devote to a relationship. I have several volunteer projects on my plate, going to massage therapy school, and being a full-time single mom is a lot. So, I am happy to say that I am off the market, and very happy with my life the way it is. Maybe, I am meant to be a single mom and some how use my experience to help other single moms.

Please, Share our love story or horrible story of online date

Add a comment October 22, 2014
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Dating Again

Dating Again

I have decide that it is time to think about dating again, and a coworker told me about a free dating website. Last weekend, I thought why not give this a try what is it going to hurt. I setup my profile, answered some weird questions and started searching. I was just honest and straight forward. The biggest thing was waiting for a more intimate relationship until marriage. I have already received a message from a troll being nasty to and guy saying sorry that is a no go for him, which I am total fine with. But in this process, I decided that I will be setting an example for my children if and then I dated again. I do not want to be the mother preaching one thing and doing another. I do not plan on meeting anyone, but it will have an amazing interesting learning experience. It was actually been a good to see that I am not longer that lonely young girl just looking for love and settling for who will take me. I know what I want and definitely what I do not want, which things I am willing to bend on and which I stand behind. It is a freeing feeling to know that I am valuable and special and if you are going to be a part of my life and later my children’s then you should know and respect me. I would not have to settle.

Honestly, I have not done, a lot of dating in my life. I dating my ex-husband a few months before we married and then I believe I dated my children’s dad a few weeks before we moved in. And, my first date even was my senior year in high school who I have never heard from again. The first year after my husband and I split, I had one date on Valentine’s Day, just so I was not alone. And, after the Valentine Day date, I had a few dates with a coworker’s friend, but I do not remember much about him but he had a beard. So, this online dating is weird.

Is okay to be chatting with four guys at a time?
When do you say okay, we are take this to the next level and only talk to each other?
How long should you chat in online before texting and talking on the phone?
Is there a timeline to follow you chat for a week online, then text a few more weeks, and talk on the phone a few times then you have a date, etc?
How long should you chat, text, and talk on the phone before you meet?
How in depth should the discussions go?
Do I really want to meet someone I met on the net?
What if he is a jerk in person?
Why do the married guy keep popping up on my matches?
Why am I here again, I am perfectly happy with my life now?
Can I ask about their online dating search without sound jealous or crazy?
Can I lose the fifty pounds a gained over the last year before I actually meet this person?

I believe these questions and the work of a relationship is what kept me hanging on to the past, but I am happy with my life either way.

2 comments September 27, 2014
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To Build or to Snowball

Tiny House

I have been thinking about living simply for a while. We have been downsizing for over two years and trying to be more eco-friendly. I have this dream to live in a small house raising my kids. Now, the question becomes do I stop my debt snowball and save everything I can to build my tiny house then continue with the debt snowball or wait ten years to be debt-free then built my tiny house. I know Dave Ramsey says to be debt- free first, but is that step right for me? Am I just tiny house happy? With the tiny house over seventy percent of all my current income with be freed up and that will increase as time goes by to throw at the debt. Hmmm….what to do? What to do?

Can we live in a tiny house? Yes, I believe we can. I believe it will open a new world and new depths to our family relationships.

1 comment July 11, 2014
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Bye-Bye TV

Bye-Bye TV

I have wanted to box up my television for at least a year, after reading several Amish romance books, and watched a documentary on this family who gave up all modern living.  It was very inspiring, but then I think what would to do without television.  We gave up cable almost four years ago for three reasons: one, I could not afford it, two, I was flipping through my DVR and all I saw was kids shows, and third, television is losing its morals quickly.  But, now, I even want to get rid of the television all together, because even without cable we spend way too much time watching TV.  My youngest child was walking around Home Depot saying, “I am a Vulcan, I have no emotions and I am from the plant Vulcan” while trying to make the hand signal.  I decided then that we watched too much television and definitely too much Star Trek.  Of course, we have watched all Star Trek The Next Generation (twice), Deep Space Nine, Voyager and recently Enterprise.  There are so many other things that we could be doing instead of sitting around watching television like riding bikes, board games, dinner at the table, laundry, etc.

We have been without the television about two weeks, and the evenings had been pretty easy with board games and bike riding.  This weekend was a little bit harder, we did spend sometime with at a friends, grilling, gardening and cleaning house but I did crave in and we watched a movie on the computer.  I still have not plugged the television back in, because I know we will be in the same spot again never turning the television off.  I believe my munchkins are having television withdraw also.  I took a nap today, and then I woke up my kids were watching Netflix on the computer.  I know, I started it then we watched that movie last night, but it just shows that we are addicted to television.  I fear what winter is going to be like without being able to get out of the house.

What are your thoughts on television?  The shows on television? How does television affect you and your family?

6 comments June 3, 2014
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