It has been forever!! I have thought of my blog often and hope to start being diligent from now on about my blogging :-)
I am still dreaming, lots of dreams!
1. Being totally debt free including the house.
2. Going on vacation, a cruise to Cozumel with the extended family. (OCT 2012)
3. Going to Sea World, Discovery Cove and swimming with the dolphins... it will happen.
4. Seeing more of the USA, I don't care where but I want to explore.
Those are just a few of the biggies, but I have many, many small steps to complete to get to the big rocks. Here are "OUR immediate" list we are concentrating on:
1. Paying off Chase, balance of: $700.00
2. Paying off Citibank, balance of: $1106.68 (there will be a few more charges for a Dr. bill $108.00 (we have had alot of medical bills in the last year :-(
and another charge for our SDC tickets. I can't wait to go to WW and SDC, it has been 4 years since we have been!
3. Pay off our Jeep loan to Western Federal Credit Union, 4444.80 before our last payment.
4. Pay off our house...this is more long term. $43,988.00
5. We also want to build on a new master bedroom, bathroom and large closet. To do so we will use a line of equity credit loan which is much cheaper than a standard loan at the bank. I really don't want to get another loan but we want our son to enjoy our home for the last 6 years he will be living with us :-)
We live in a 2 bedroom, one closet, one bathroom home on 20 acres. Do I love my home and regret our choice of buying our dream farm? NOPE!!! But I do want to add on and make it more comfortable for us to live in. DH will be doing all of the work and will save us a load of money. I love that handy man of mine.
So what are your dreams, goals and plans for 2012? I have more to share on our goals later :-)
"Visitors Welcome"
Saturday, January 7, 2012
Monday, July 12, 2010
Jill @ Living on a dime interview. Very inspirational!!
Hello everyone! Here a a great interview I wanted to share from Jill @ living on a dime.
I was recently interviewed about debt free livingand how living without debt relates to my faith. I thought you'dfind some of the answers helpful, so we'll be including some ofthem in the newsletter. -Jill
Interviewer: What are the top lessons you would give a family oreven a single person who is dealing with a tight budget?* Stop spending.* Don't think that using a credit card or getting a loan will makeit better. Going into more debt will not help you get out of debt.* Get rid of your pride. You may have to shop at garage sales for awhile. You may not be able to have your kids in sports and youmight have to say no to friends when they want you to go to anexpensive restaurant. Pride is a sin. God didn't kick the angelsout of heaven because they murdered someone or were doing drugs,drinking or smoking but for pride.* Stop worrying about what others think or whether or not you aremaking a good impression. We constantly tell our kids not to givein to peer pressure but we do it all the time. We Christians can beespecially bad about worrying what other Christians are going tothink of us. That is the same as when your kids worrying abouttheir peers.* Cut back on everything. You can save 50% on your grocery billbefore you even go to the grocery store by simply exercising goodportion control with your food. It is better for you, too. Go froma 30 minute shower to a 5 minute shower. Not only will you save onutilities, but your skin will thank you.
**This should be number one: tithe. Right now when others arepanicking about their 401k's or about what their stocks are doing,I don't have a worry in the world. I have invested my money inSomeone who has promised that no matter what happens in the world,including with finances, I and my children will be fed and takencare of. He has demonstrated His faithfulness over and over. To me,my tithe is the best savings a person can have.* The real test of a person's character occurs during hard times.
**Keep your integrity, be responsible and be trustworthy andhonorable whether your situation is your fault or not, whether itis fair or unfair. Proverbs 22:1 says "A good name is moredesirable than great riches; to be esteemed is better than silveror gold."I once received a notice of foreclosure on my house. I had 2 weeksto come up with $35,000 and I couldn't sell my house. I didn't have$35. I wasn't sure what to do. If I lost my house, my kids and Iwould literally be out on the streets. After a few moments ofpanic, I prayed and God told me what to do. One of the first thingsI did was to call the banker and tell him I wanted to start up ourold business, which I knew nothing about and had no money forsupplies, no customers and a limited market.What loan officer do you think would say, "That's great-- forget the foreclosure and you don't even need to make a payment untilyour business is up and running well"? None that I know of, butthat is exactly what he said. We had banked there for a while and,because of that, he knew I always paid my bills (the foreclosurewas because of my husband's debts he incurred when we wereseparated). The loan officer said "Jill, I know you and trust youto pay so I'm not worried."Everything God tells us to do is for a good reason and it isusually for our good. He wants us to have a good name because He knows at times when things hang in the balance, a person's goodname can tip the scale in the right direction.
* Don't decide you are going to change your ways and then expect God to suddenly produce a miracle and make all of your debt goaway. God loves you, but He is also a just God. He expects you topull your weight and if you spent 5 years carelessly spending, youmay have to work extra long and hard for 5 years to get yourselfout of your mess.It would be like telling my teenage son to clean his room. After amonth goes by, he is out of clean clothes, can't find anything andhas been grounded by me for failing to do what I told him to do. Hetells me how sorry he is, insists he'll never do it again andrepents all over the place, but he still has to clean his room,which is such a big mess it is going to take twice as much work.I forgive, but he is perfectly capable of cleaning it himself, sohe has to clean up his own mess.
Here's something to think about:In Matthew 6:24, the Bible says "No one can serve two masters. Either he will hate the one and love the other, or he will bedevoted to the one and despise the other. You cannot serve both God and Money." We always think that this verse relates to having lotsor money, that it only concerns the wealthy or those seekingwealth, but it can pertain to the poor and those in debt, too. Be careful. What controls your waking thoughts? God or money? Whatdo you seek after more? God or a way to pay your debts? What do youtalk about more with your family? God or how the bills are pilingup "in these hard economic times"? Do you spend all of your moneyeating out, playing a game of golf, buying your kids sportsuniforms and dance lessons and having your nails done or do youfirst tithe?I have found most people give their money to whoever or whateverhas their heart and soul. I don't say these things to condemn youbut to get you thinking, "Do I have things mixed up? Can I dosomething differently? Do I need to change something, even if it issomething small?"We guard our families in so many areas. Don't let Satan sneak inthe back door with this and destroy you, your family and your testimony.
I was recently interviewed about debt free livingand how living without debt relates to my faith. I thought you'dfind some of the answers helpful, so we'll be including some ofthem in the newsletter. -Jill
Interviewer: What are the top lessons you would give a family oreven a single person who is dealing with a tight budget?* Stop spending.* Don't think that using a credit card or getting a loan will makeit better. Going into more debt will not help you get out of debt.* Get rid of your pride. You may have to shop at garage sales for awhile. You may not be able to have your kids in sports and youmight have to say no to friends when they want you to go to anexpensive restaurant. Pride is a sin. God didn't kick the angelsout of heaven because they murdered someone or were doing drugs,drinking or smoking but for pride.* Stop worrying about what others think or whether or not you aremaking a good impression. We constantly tell our kids not to givein to peer pressure but we do it all the time. We Christians can beespecially bad about worrying what other Christians are going tothink of us. That is the same as when your kids worrying abouttheir peers.* Cut back on everything. You can save 50% on your grocery billbefore you even go to the grocery store by simply exercising goodportion control with your food. It is better for you, too. Go froma 30 minute shower to a 5 minute shower. Not only will you save onutilities, but your skin will thank you.
**This should be number one: tithe. Right now when others arepanicking about their 401k's or about what their stocks are doing,I don't have a worry in the world. I have invested my money inSomeone who has promised that no matter what happens in the world,including with finances, I and my children will be fed and takencare of. He has demonstrated His faithfulness over and over. To me,my tithe is the best savings a person can have.* The real test of a person's character occurs during hard times.
**Keep your integrity, be responsible and be trustworthy andhonorable whether your situation is your fault or not, whether itis fair or unfair. Proverbs 22:1 says "A good name is moredesirable than great riches; to be esteemed is better than silveror gold."I once received a notice of foreclosure on my house. I had 2 weeksto come up with $35,000 and I couldn't sell my house. I didn't have$35. I wasn't sure what to do. If I lost my house, my kids and Iwould literally be out on the streets. After a few moments ofpanic, I prayed and God told me what to do. One of the first thingsI did was to call the banker and tell him I wanted to start up ourold business, which I knew nothing about and had no money forsupplies, no customers and a limited market.What loan officer do you think would say, "That's great-- forget the foreclosure and you don't even need to make a payment untilyour business is up and running well"? None that I know of, butthat is exactly what he said. We had banked there for a while and,because of that, he knew I always paid my bills (the foreclosurewas because of my husband's debts he incurred when we wereseparated). The loan officer said "Jill, I know you and trust youto pay so I'm not worried."Everything God tells us to do is for a good reason and it isusually for our good. He wants us to have a good name because He knows at times when things hang in the balance, a person's goodname can tip the scale in the right direction.
* Don't decide you are going to change your ways and then expect God to suddenly produce a miracle and make all of your debt goaway. God loves you, but He is also a just God. He expects you topull your weight and if you spent 5 years carelessly spending, youmay have to work extra long and hard for 5 years to get yourselfout of your mess.It would be like telling my teenage son to clean his room. After amonth goes by, he is out of clean clothes, can't find anything andhas been grounded by me for failing to do what I told him to do. Hetells me how sorry he is, insists he'll never do it again andrepents all over the place, but he still has to clean his room,which is such a big mess it is going to take twice as much work.I forgive, but he is perfectly capable of cleaning it himself, sohe has to clean up his own mess.
Here's something to think about:In Matthew 6:24, the Bible says "No one can serve two masters. Either he will hate the one and love the other, or he will bedevoted to the one and despise the other. You cannot serve both God and Money." We always think that this verse relates to having lotsor money, that it only concerns the wealthy or those seekingwealth, but it can pertain to the poor and those in debt, too. Be careful. What controls your waking thoughts? God or money? Whatdo you seek after more? God or a way to pay your debts? What do youtalk about more with your family? God or how the bills are pilingup "in these hard economic times"? Do you spend all of your moneyeating out, playing a game of golf, buying your kids sportsuniforms and dance lessons and having your nails done or do youfirst tithe?I have found most people give their money to whoever or whateverhas their heart and soul. I don't say these things to condemn youbut to get you thinking, "Do I have things mixed up? Can I dosomething differently? Do I need to change something, even if it issomething small?"We guard our families in so many areas. Don't let Satan sneak inthe back door with this and destroy you, your family and your testimony.
Tuesday, June 29, 2010
Crystal Light free from Vocal Point
Well I recieved the neatest package in the mail yesterday. It instantly caught my eye when I walked in the house. I recieved the beautiful container with samples of Crystal Light PureFitness flavored as Grape, Strawberry Kiwi and Lemon lime!!! I can't wait to try them. I really should have took them to work with me today and had one, it may have kept me from eating that yummy little Fast Break candy bar!!! So where do I get the goodies????
Wait no longer, head over to Vocalpoint.com, you will get emails asking if you want to try product and when you take a survey you are rewarded also. Don't worry, they don't sell you email and they do not bombard you with lots of annoying emails. Pure fact or I would not participate. Check the out...ohhhh I forgot to add that I got 3 $2.00 off coupons if I choose to buy them or share them. How great is that???
Have a blessed day,
Tracy
Friday, June 25, 2010
Attitude
So I posted a thought for the day on facebook and my smarty little sister with a not so good attitude replied with LMFAO...uggggg..
So here was my post:
If you don't like something, change it. If you can't change it, change your attidtude. Don't complain.
Maya Angelou
After she posted her comment it got me to thinking, why would someone feel that way or say that??? If a person does not feel that life is not treating them so good than they would not have such a good outlook on life nor have an attitude of gratitude. I was personally raised in a home life with bad attitudes, bad moods and sometimes bad conditions. (lack of food, fighting, no electric, ect...)
So how did I climb out of that type of mindset and way of life? I have a wonderful husband that is my rock and also my sandpaper. I know God brought me to this little town I live in today so I would marry DH.
So here are my reply's and how I have helped climb myself out of the nasty attitude problem that used to be so embedded in me. But one thing is for sure I did not change on my own or of my husbands doing. It is because of the saving grace of my Lord and Savior Jesus Christ. I am so thankful for the blood shed on the cross for me.
So to put this all together I know that our attitudes effect every part of us right down to our pocket books! The attitude battle starts in you mind, your way of thinking and what your are fixing your thoughts on.
Here is some awesome inspiration on attitude:
Have you heard the saying, "Attitude Is Everything"? While attitude might not really be "everything", it is the single most significant determining factor of success in many situations. Here's how it works:
Change your attitude and you automatically change:...
See More
1. your perspective
2. the way you interpret things
3. the decisions you make
4. the actions you take
5. the results you get
Attitude:
by Charles Swindoll [wikipedia.org]
The longer I live, the more I realize the impact of attitude on life.
Attitude, to me, is more important than facts. It is more important than the past, than education, than money, than circumstances, than failures, than successes, than what other people think or say or do. It is more important than appearance, giftedness, or skill. It will make or break a company ... a church ... a home. ...
See More
The remarkable thing is we have a choice every day regarding the attitude we will embrace for that day. We cannot change our past. We cannot change the fact that people will act in a certain way. We cannot change the inevitable.
The only thing we can do is play on the one string we have, and that is our attitude ... I am convinced that life is 10% what happens to me, and 90% how I react to it. And so it is with you ... we are in charge of our Attitudes.
So here was my post:
If you don't like something, change it. If you can't change it, change your attidtude. Don't complain.
Maya Angelou
After she posted her comment it got me to thinking, why would someone feel that way or say that??? If a person does not feel that life is not treating them so good than they would not have such a good outlook on life nor have an attitude of gratitude. I was personally raised in a home life with bad attitudes, bad moods and sometimes bad conditions. (lack of food, fighting, no electric, ect...)
So how did I climb out of that type of mindset and way of life? I have a wonderful husband that is my rock and also my sandpaper. I know God brought me to this little town I live in today so I would marry DH.
So here are my reply's and how I have helped climb myself out of the nasty attitude problem that used to be so embedded in me. But one thing is for sure I did not change on my own or of my husbands doing. It is because of the saving grace of my Lord and Savior Jesus Christ. I am so thankful for the blood shed on the cross for me.
So to put this all together I know that our attitudes effect every part of us right down to our pocket books! The attitude battle starts in you mind, your way of thinking and what your are fixing your thoughts on.
Here is some awesome inspiration on attitude:
Have you heard the saying, "Attitude Is Everything"? While attitude might not really be "everything", it is the single most significant determining factor of success in many situations. Here's how it works:
Change your attitude and you automatically change:...
See More
1. your perspective
2. the way you interpret things
3. the decisions you make
4. the actions you take
5. the results you get
Attitude:
by Charles Swindoll [wikipedia.org]
The longer I live, the more I realize the impact of attitude on life.
Attitude, to me, is more important than facts. It is more important than the past, than education, than money, than circumstances, than failures, than successes, than what other people think or say or do. It is more important than appearance, giftedness, or skill. It will make or break a company ... a church ... a home. ...
See More
The remarkable thing is we have a choice every day regarding the attitude we will embrace for that day. We cannot change our past. We cannot change the fact that people will act in a certain way. We cannot change the inevitable.
The only thing we can do is play on the one string we have, and that is our attitude ... I am convinced that life is 10% what happens to me, and 90% how I react to it. And so it is with you ... we are in charge of our Attitudes.
Uggg...Food Waste Friday
I really did not want to post this today but I am a follow the rules kind of girl! Who's rules??? My own! I want to be accountable to myself and I am going to stick with it. So, this looks like alot of food and it is. Let me shed some light on some of the food waste here...At work we hold alot of workshops and we divide up the left overs and take them home so they will not go to waste. Well....we have had alot of workshops this month and will have all summer long. This is a plus and minus all in one. Plus...no cooking and saves money, minus....it's is not usually diet friendly and we will be sick of it by the end of the week. So the most of what you see is food we have been munching on for the week. It is alot less now than when I brought it home. I did however let a bag of spinach and half a bag of lettuce go to waste and also my little steak pieces for my lunch!!! Uggg! I need to get better at this...this is where I beat myself up for not doing better by sticking to my eating plan and then planning food for my family. I will not let this get me down but try to do better next week. :0)
Friday, June 18, 2010
It's Food waste Friday
Today is the first attempt to post with a group of bloggers that are holding each other accountable for the food waste of the family. I wanted to jump in to help keep myself accountable, cooking creative and saving the family money for better things to come :0)
So it does look like alot but you have to remember I am a newbie. I have always wanted to do better and have tried I am praying for God's guidance on our new journey. I am giving it all!!!!
Wednesday, June 16, 2010
Suze Orman
What do you think of when you hear her name??? She is a financial guru of the females!! I have listed to hear book on tape, (thanks to the library) and know her story. When she speaks I listen, I want to share with you her new web-site I just found http://www.moneymindedmoms.com/
Check her out and also don't forget to sign up for her email list and you will get "5 simple ways to save $500.00
Have a great day,
Tracy
Check her out and also don't forget to sign up for her email list and you will get "5 simple ways to save $500.00
Have a great day,
Tracy
Subscribe to:
Posts (Atom)