At class on Monday night we discussed SAVING money. Something that I have never been consistent or deliberate at doing. We also talked about ways we can come up with extra cash that could be put to use either for saving or paying off our debt. We have been toying with the idea of cancelling cable for a while or maybe not cancelling cable but perhaps reducing the number of channels. So last night we did it. We will save $50. It isn't forever, it is to assist us in analyzing where our money goes and how we can better plan on spending our money.
When we made the change we got rid of the DVR which we got the summer I was home with the children, and it has been a STAPLE in our house for three years.
It hurts but I am quite sure that it will be well worth it!!
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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