I think I really could have used that this weekend. I got paid on Thursday and by Friday? There was $10 left in our account. The banks are not open on Monday in observance of MLK day, as a result we will have no money until Tuesday, the earliest.
Frustrating when you are running low on some groceries. Luckily J received a check for the work he has done, but again, no banks are open for him to cash and/or deposit. The check will need a day to clear so probably on Wednesday we will have cash. He received a payment, an electronic payment on another job, but that won't clear when the bank is not open. It is too bad that awith all the eletronic banking that goes on in the world that it doesn't continue after hours. It really should be 'real time.'
I am looking forward to getting started on with our class. I spoke to our babysitter and she completely understood. She is also available on Monday's should our plan not work for us. I haven't heard from the class leaders at the new place. Not really impressed by that.
Feeling a little down about the current status as I am sure had I analyzed it more comprehensively we would be a little more solvent today.
Good news? J's check will enable us to put some away for the $1,000 emergency fund!
We went to church today! The kids enjoyed it and my soul felt good. Oh and I realized that even on Sundays I will need to get up early to ensure that the kids have their clothes laid out. I spent a significant amount of time this morning screaming at the kids, running up and down the stairs and yelling at kids. Oh, I already said that, right?
Our current state will make it challenging to plan our weekly menu. We are out of the following:
pancake mix
bread
tortillas
celery
crushed tomatoes
Potatoes
Garlic
shredded cheese
My pantry is STOCKED with the likes of these:
black beans (kids don't eat)
kidney beans (kids don't eat)
pasta
tuna fish (kids don't eat)
Oh I could go on and on. But for now I will get my wheels spinning on some ideas for next week.
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CHANGE –verb (used with object) 1. to make the form, nature, content, future course, etc., of (something) different from what it is or from what it would be if left alone: to change one's name; to change one's opinion; to change the course of history.
About us
We are Betsy, 44 and Jeremy, 42. We have three, scratch that, FOUR children, Merriweather is 10, Wilton is 8.5, Oliver is 7 and Eliot, he was our surprise for 2010, is 2.
We are committed to continuing change in 2013 and beyond! We enrolled in and graduated from Dave Ramsey's Financial Peace University class. In January of 2013 we hosted our first class. It was really wonderful to give back and encourage families.
Thank you for stopping by.
We are committed to continuing change in 2013 and beyond! We enrolled in and graduated from Dave Ramsey's Financial Peace University class. In January of 2013 we hosted our first class. It was really wonderful to give back and encourage families.
Thank you for stopping by.
Resolution - the act of analyzing a complex notion into simpler ones
I wrote these for 2010...We did make a lot of changes last year, but still have some work to do. So with that said. I like this list:
I resolve to have a date night with my husband, every month. - this is SO hard
I resolve not to smoke. - done
I resolve to eat less without sacrifice. - Yes!
I resolve to move my body and pump my heart. - trained and ran TWO 5ks!
I resolve to plan our lives. - There is always room for improvement
I resolve to rise earlier than my children. - having a baby helps with this one
I resolve to find a church and bring the children consistently to that newly found church. - Yes, we have and we love it!
I resolve to live in abundance. - must remind myself of this one, daily!
I resolve to write. - I have not done this at all.
I resolve to have a date night with my husband, every month. - this is SO hard
I resolve not to smoke. - done
I resolve to eat less without sacrifice. - Yes!
I resolve to move my body and pump my heart. - trained and ran TWO 5ks!
I resolve to plan our lives. - There is always room for improvement
I resolve to rise earlier than my children. - having a baby helps with this one
I resolve to find a church and bring the children consistently to that newly found church. - Yes, we have and we love it!
I resolve to live in abundance. - must remind myself of this one, daily!
I resolve to write. - I have not done this at all.
Notable Quotes
"New year or not, you are not going to reach your full potential by accident. You need to make a plan, write it down, and then attack it!" - Dave Ramsey
"All of old. Nothing else ever. Ever tried. Ever failed. No matter. Try again. Fail again. Fail better." - Samuel Beckett Worstward Ho (1983)
"Character is the ability to carry out a good resolution long after the excitement of the moment has passed.” ~ Cavett Robert
"All of old. Nothing else ever. Ever tried. Ever failed. No matter. Try again. Fail again. Fail better." - Samuel Beckett Worstward Ho (1983)
"Character is the ability to carry out a good resolution long after the excitement of the moment has passed.” ~ Cavett Robert
7 Baby Steps by Dave Ramsey
1. Fund a $1,000 emergency fund
2. Pay off debt using Debt Snowball
3. Save 3 to 6 months of living expenses
4. Save 15% of household income for Retirement
5. College funding for children
6. Pay off home early
7. Build wealth and give
We are on BS 2 and holding steady.
Starting debt = $88k
Current debt = $65k
2. Pay off debt using Debt Snowball
3. Save 3 to 6 months of living expenses
4. Save 15% of household income for Retirement
5. College funding for children
6. Pay off home early
7. Build wealth and give
We are on BS 2 and holding steady.
Starting debt = $88k
Current debt = $65k