Showing posts with label Dave Ramsey. Show all posts
Showing posts with label Dave Ramsey. Show all posts

Friday, April 5, 2013

5 Quick Takes Friday

Okay, I don't know that I'll do this every Friday, but I do have three other posts that I'm percolating on and I want to keep in the habit of posting so here I go joining another Internet Fad. Just for grins I'm going to throw in random pictures from our week too!


    More brotherly love as Maestro shows Bruiser a new duet
  1. This week has been the first in a long time in which I have not had to keep the car even once! (Well, I was going to keep it Thursday for a service at the Langley Chapel, but there were issues that kept that from happening.) But there were no classes or clubs for Maestro to go to, nothing pressing on my own plate from church. It has been a refreshing week!
  2. chocolate pancakes with fruit compote
    The White Knight (TWK) has been plowing ahead on getting the organization done on the garage this week. That means that his tools are now out of the extra space in my laundry room. I am beside-myself-happy that I finally get to put some order to that area. I suppose this means TWK's organization-bug is rubbing off on me!
  3. Brothers DO work together (sometimes!)
    I led my 2nd-ever Dave Ramsey class this week. As I listened to him talk on the video, I found my mind wandering to all of the OTHER places in life that his words also applied to. This class is going to be very, very good for me and our family!
  4. Unquestioned yumminess - homemade sopapillas
    The Dave Ramsey classes also showed me that I am a "Nerd" only when it comes to finances; otherwise, I'm a "Free Spirit" and TWK is evenly split down the center. Who knew?!
    I know she showed this in the last Review post, but she's
    just so proud of it! I'll miss these years later even as I'm
    enjoying the events to come!
  5. And the kids - especially the younger kids - are going to have a rough time following DR and understanding why we're doing it. So this morning, as I told Buttercup we cannot go horseback riding, we came up with a plan: anytime we have something we want to do or buy, but can't until we're debt free, we'll draw a picture of it to put on the wall in the hallway. That will be our Dream Wall. At the end of our getting-out-of-debt journey, we'll pick some things to try out and go for it!

Monday, December 20, 2010

Ending 2010 Feeling Blessed

I saw a friend's post on Facebook the other day and she was (seemingly) stunned, excited, and feeling blessed all in one shot. She and her hard-working husband had found out that one of their bigger bills had been paid in full by an anonymous benefactor as a "Secret Santa" gift. I am totally thrilled for them!

Their family and ours have been concurrently working through the Dave Ramsey Total Money Makeover system this past year and I can think of no better gift to give than to help someone come one step closer to Freedom. Freedom from being indebted to "someone" (whether a large corporation or an individual person) else. Freedom from worrying at night over what bills might not be paid; Freedom from having to delay vacations, get-togethers, and nights out because the money is needed for something else.

Along those lines, I also am excited for our family! We started 2010 with about $17,000 in debts, not including our house, but including my student loan from years back. My goal is to have everything paid off in the next two years so that when Jeff retires in four years we have about two years of savings built up and don't have to worry while we move on to "what's next." I have been working towards this goal all through the year, and will continue to for the next two years as planned.

The bill I received in the mail today is for a now-cancelled credit card that I used when starting up my business. At the beginning of 2010, I owed $3,000 on the card. It is now down to $345 - something I can even conceive of paying off in one month! Jeff is sleeping, after pulling an all-nighter as he completed a final paper for a class he's in, so I get to share the news here first.

In looking back over the events of any given year, I am always amazed at how much we've achieved in spite of spending so much time feeling like I am trudging from day to day to day, spinning my wheels, getting "no where." Our three biggest this year are:
  • This year, I completed my Bachelor's Degree in Social Science - something I started eighteen years ago before I was even out of high school!
  • Jeff is finally re-enrolled in college classes and working toward his degree. He has been planning, hoping, and wanting this for sixteen years, but has been thwarted for many reasons over the years. Again, I am thrilled for him!
  • We are closer to being debt-free than we were at the beginning of the year.
So often it is easy to feel like we have let ourselves down in not achieving every single "New Year's Resolution" that we set at the beginning of each year. I don't put goals like weight loss, etc. in stone, but I do write them down, along with my intended path for getting there. I always end the year closer than I was when the year started, even if I didn't achieve the exact goal. In that, I am able to feel continually blessed as I come to Christmas and to the New Year. I hope, as you look at your achievements - not the ones you feel like you missed (the "should have's") but the ones you really managed to ring the bell on - that you feel as much confidence and blessing as I do entering into 2011. If you're not quite there yet, you have two weeks left to really look at what you've done, and realize it's always more than you thought!


Sunday, August 15, 2010

Embracing Your Purpose - II

So now that I'm almost another year older, and far wiser, what goals have I for myself? Where am I going next? How am I getting there? I am determined to be debt free (except for the house) by my 36th birthday in 2012 - for that, we have started following Dave Ramsey's program and advice (again, there is another blog post in that, but that is for another time!) As a side note, his program has helped I don't know how many thousands of people and can be found here: www.daveramsey.com - it is worth every penny.

I'm determined to get the many schedules that run my life into a working order that can be synchronized and followed. I don't have a program for that (many use flylady.com though, if that is something you're struggling with but it didn't work so well for me about ten years ago; perhaps I should try it again...) Right now, I see many parallels between the house/clutter-freedom and the budget/debt-freedom. I'm working from that point - but there is one other very important thing that goes with these two goals:

I have learned that, in my own life, to make these two goals happen, I need to stop worrying about working outside of my home at everyone else's projects, at every other volunteer opportunity that comes up that may - or may not - be edifying to my family and me, at every piece that I think I "should" be doing to take some of the financial-breadwinner burden off of Jeff's shoulders.

He has never - ever - said a sideways word about my staying home or about being our primary source of income. The pressure I feel in that comes entirely from within me. The pressure is there, nonetheless, and I am learning that my first job is house and family - there is plenty to do there. My second job is Heritage Transcriptions, in which I get to write memorial books for the families of the fallen members of our military. That is a labor of love. I feel more fulfilled in my life by doing them.

Otherwise, I must be content with "just" being a stay-at-home-mom. I must ignore the looks, the questions, the ugliness that we SAHMs get when we are out and about, especially the looks that see four children and inquire, "Don't you know when to stop??"

For the record, we do know when to stop, but we've decided to love and enjoy all that we're given. Though I am religious and a Christian, I'm not a "quiverful," Bible-thumper type of person: each family has to make its own choices. This is what works for our family, but here is the irony about our having children and choosing to have - or not have - those children with which we are blessed:

Indulge me for a minute in a side-rambling, please: Is it "irony?" I am a little nervous about using the word because of the song by Alanis Morrisette - Ironic - I read an article by a professor after it came out in which the professor said that nothing in the song was ironic; that everything she mentioned in the song was just bad luck! ... isn't it ironic? Don't'cha' think?? So anyway... end side-rambling now. Read on and weigh in...

Here is my sister working with Buttercup in our garden earlier this year. She doesn't plan to have children right now, and I am content to let her be the great-aunt-type to mine! She does a great job!


So here is the possible irony in our having children: when I was sixteen, like many girls, I declared my intention to adopt many children - a busload of them - and never have any of my own. Why would I want to have children of my own when there are so many out there already who need help?? Then I met Jeff and he wanted children - at least one or two - and so we compromised. We would have a couple few bio-babies, then we would adopt at some point in our lives together.

Well, we're up four children and I love them all and wouldn't trade them for anything. They are part of my super-blessed life and to those who would say that I am helping with the "overpopulation" of the world, I say this: which child would you want put back? Which human being would you get rid of? Ponder that, then talk to me. And adoption is still on the table and something we plan to do in our lives.

So what does all of this have to do with "embracing your purpose?" Only this: sometimes, our purpose in life is not really what we might have thought it was. Maybe, just maybe what I want/ed was not what was best for me or where I was really heading in my life and I just didn't know it. Learning to pray, learning to listen for the answer, learning to wait and knowing that what is coming is ultimately leading me to where I need to go to fulfill my purpose in life, gives me peace and makes every step of the way count.

If my purpose is to be a great stay-at-home-mom, who bakes, sews/crochets and does the domestic goddess thing, and on the side, I get to support military folks and their families by writing memorial books, I am at peace with that. It is not what I envisioned when I joined the Navy all those years ago - and it is still on my heart to one day learn to fly, just not F-16s (for the reference to that, go to Embracing Your Purpose - I), but it is where I am now and what I truly believe I have been led to do. In the future, when my children leave home, who knows what my purpose will become? But every moment of what is happening now is leading me to that purpose, whatever "it" is.

Each of us needs to ask similar questions, determine our purposes and learn to embrace who we are. If you don't feel like you're in the right place, make changes to become who you're supposed to be. But consider whether your purpose might not be very different than what you once envisioned and that attitude makes a huge difference in our happiness within that purpose.

As my mother used to say when we asked (whined!), "Do I have to?"

Pause for the big smile, "You get to."

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