tag:blogger.com,1999:blog-48170923609805286352024-03-13T17:14:25.574-04:00...it's the journey on the way!I've always loved the song lyric "It's not the final destination, it's the journey on the way."
Follow our journey as we discuss budgets, bargains, and raising our family in a debt free household!TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.comBlogger220125tag:blogger.com,1999:blog-4817092360980528635.post-64884677611887313142012-10-06T12:43:00.002-04:002012-10-06T12:43:46.462-04:00<span style="color: #333399;"><div class="post-body entry-content" id="post-body-5814200127487760064" itemprop="description articleBody">
Wow! I just read my last post... from almost TWO years ago. I don't know where the time has gone. Oh, wait! Yes I do... facebook. Yikes. It's hilarious looking back. I never did become <em>that</em> mom. I'm not really sure what kind of mom (or woman) I've become, but I will admit that the gym didn't work out and the house is rarely clean. <br /><br />I'm still home. Troy is in first grade and Addison is in her last year of preschool. Every day of every year is new, uncharted territory. I have gotten involved with a direct sales company that I LOVE. It gives me a chance to get out of the house a little, keeps me busy, and gives me something of my own. I had to admit that I'm the type of person that needs rewards. I have to have something to strive and succeed at and, lets be honest, being Mom is not the most rewarding job at times.<br /><br />I've also moved in to a semi-caretaker role for my 93 year old grandma. She's still amazingly independent, but now that she's not driving I have jumped in to the role of shopper, chauffeur, and more. There is a lot of drama that goes with that role and it's consumed a lot of the last couple years, but it's worth it. I think I'm teaching the kids an important lesson too. <br /><br />I have a lot more lots and a lot more to write (and hopefully more often) but that's a quick catch-up of where we are now.</div>
</span>TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com0tag:blogger.com,1999:blog-4817092360980528635.post-35778836220184907142011-01-10T12:20:00.000-05:002011-01-10T12:20:00.539-05:00Accepting Who I Am<div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"></div> <table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="http://4.bp.blogspot.com/_LhXqkms42Qw/TSs_VuLh3rI/AAAAAAAAA1w/ST5Gi11OMuo/s1600/peggybundy.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" n4="true" src="http://4.bp.blogspot.com/_LhXqkms42Qw/TSs_VuLh3rI/AAAAAAAAA1w/ST5Gi11OMuo/s1600/peggybundy.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">A facebook poll says I'm Peg Bundy. Hmm... <br />
Not sure I agree with that, but I'm not sure<br />
there is a tv mom that fits who I am.</td></tr>
</tbody></table> <em><span style="color: #990000;">Warning: This is an expression of some personal emotions I've been dealing with. Some of this may be offensive to certain people, but that it not the intent. Please proceed with caution. </span></em><br />
<br />
<span style="font-size: large;">L</span>ast year at this time I wrote a post about <a href="http://notthefinaldestination.blogspot.com/2010/01/home-is-where-heart-is-my-decision-to.html">my decision to become a stay-at-home mom</a> and <a href="http://notthefinaldestination.blogspot.com/2010/01/adjusting-to-life-as-stay-at-home-mom.html">adjusting to the new job</a>. As crazy as it sounds, I'm still adjusting a year later. I sort of had a light bulb moment last week. Because I let the holiday weight add back up, I decided it was time to do something drastic. I was going to join the gym. I made an appointment for Tuesday morning to check out one near here. As I dropped the kids off at school, I realized I had become one of <em>those</em> moms. <br />
<a name='more'></a>The moms that show up wearing the hot pants and gym shoes sipping a Starbucks latte as they kids their kids good-bye for the day. The ones that made me ask, "Don't they have anything better to do?"<br />
<br />
<span style="font-size: large;">A</span>s I was cooling down on the treadmill it occurred to me. What's wrong with being one of <em>those</em> moms? Much of the last year I've been fighting my roll as a stay-at-home-mom. Part of it was the fact that I never thought I'd be able to "afford" to stay home, part of it was dealing with the fact that it's not favored in my family, and some of it was guilt over the state of the economy and all those without work by force and not choice. I felt like I still needed to "work" to justify my existence (and extensive education). I started volunteering my time, taking on projects around the house, and taking on the responsibility for much of my grandmother's care. Basically I was as busy as ever. In the process, I totally lost track of me.<br />
<br />
<span style="font-size: large;">I</span>'ve spent so much of the last year trying to deny who I am for fear of how others would feel or what others would think, but the fact of the matter is... I'm a stay-at-home-mom. Tim and I worked really hard to get to the point where we were debt free and could afford me that luxury. I just needed to accept that it is just that, a luxury... not a curse. In a few years the kids will be in school during the day and I'll most likely go back to work. I might as well enjoy this precious time while it's here. <br />
<br />
<div class="separator" style="clear: both; text-align: center;"><a href="http://2.bp.blogspot.com/_LhXqkms42Qw/TSszOTLZ46I/AAAAAAAAA1o/jDJ-44agOOM/s1600/beaver+mom.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" n4="true" src="http://2.bp.blogspot.com/_LhXqkms42Qw/TSszOTLZ46I/AAAAAAAAA1o/jDJ-44agOOM/s320/beaver+mom.jpg" width="217" /></a></div><span style="font-size: large;">S</span>o, my plan for 2011 is to embrace the life we have worked so hard to create. I'm giving myself permission to join the gym and make it a priority on the days the kids are in school. I'm going to attend field trips and make lunch dates with my friends. I'm going to do crafty and creative things. I'm even going to give myself permission to pamper myself a little. My hope is that if I get more organized, I can take advantage of these times without too much guilt. Use the days the kids are in school to recharge myself so I can better enjoy the days they are home. <br />
<br />
<span style="font-size: large;">O</span>f course, with the joys of being a stay-at-home-mom I also have to accept the responsibilities. This year I'll also be trying to get a better grip on maintaining the house and getting a sensible dinner on the table each night. I have no intention of becoming June Cleaver. I just don't have it in me. But I am hoping that by allowing myself the opportunity to recharge on a regular basis and enjoy my time, it will make it easier for me to do the work that goes with it. I don't see me becoming super mom or a clean freak. I still value time with my kids over a clean house, but letting go of the guilt has to be a step in the right direction.TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com0tag:blogger.com,1999:blog-4817092360980528635.post-69455626124565757902011-01-08T18:32:00.000-05:002011-01-08T18:32:05.999-05:00Financial Goals: 2010 Update<span style="font-size: large;">A</span>s I look back on our <a href="http://notthefinaldestination.blogspot.com/2010/01/2010-financial-goals-and-resoluations.html">2010 Goals</a> I'm amazed by how much things change in a year. The goals we followed we smashed. The rest, well... they just seem so insignificant to me now. I see the value in the accountability, but the reality of the time involved in tracking stuff in the blog format, creating a price book, etc just doesn't fit with living life with a young family.<br />
<br />
<span style="font-size: large;">H</span>ere are the updates on the 2010 goals that we did focus on:<br />
<br />
<strong>Goal:</strong> Set specific dollar amount to save for car replacement, home improvements, and other major savings categories and track it in side bar. -- <em><span style="color: #990000;">We set the amounts early in the year, but didn't track them in the sidebar.</span></em><strong>Goal:</strong> Save 50% of car replacement fund by the end of 2010.-<em><span style="color: #990000;"> Actually saved 100% of the amount we targeted AND <a href="http://www.michianafpu.com/2010/12/our-free-car-how-we-paid-cash-for-our.html">bought a new to us car</a>. Paid cash for the whole thing.</span></em><br />
<strong>Goal:</strong> Save 75% of deck replacement fund by the end of 2010 (other 25% in 2011). - <em><span style="color: #990000;">Actually saved 100% and <a href="http://ourzones.blogspot.com/2010/06/fruits-of-our-labor-our-new-deck-and.html">built a new deck in pergola</a>. Paid cash for the whole thing.</span></em><br />
<strong>Goal:</strong> Budget money each month for clothes for the kids, so there are fewer surprises and less temptations. - <em><span style="color: #990000;">I got a lot better at separating my categories in 2010. My spreadsheet is a lot longer, but I have separate categories for clothes, gifts, entertainment, blow, etc now that I didn't have in 2009</span></em><br />
<br />
<br />
<span style="font-size: large;">W</span>e also did pretty well at the resolution to have more fun in 2010. Tim actually got to golf more, we took a couple weekend trips as a family, joined the Children's Museum, Center for History, and Potawatomi Zoo, I spent some money on my new obsession - Thirty-One, etc. Overall, it's been a great year. <br />
<br />
<em><span style="color: #990000;"><span style="font-size: large;">H</span>ow did you do in 2010? Did you set goals and stick to them?</span></em>TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com1tag:blogger.com,1999:blog-4817092360980528635.post-11924177699054694812011-01-03T07:42:00.000-05:002011-01-03T07:42:18.152-05:00Getting back on track!<span style="font-size: large;">I</span>t's time for a new year and reality check. After a week and a half of having a 2 parent household filled with activities and fun, Tim goes back to work today. The house is trashed. My bathroom remodel is only 3/4 the way through. The Christmas decorations are still cluttering the living room. Oh, and the kids are very antsy.<br />
<br />
<span style="font-size: large;">M</span>y plan for today is to get back on plan. The Motivated Mom's calendar is printed and on the fridge, I've dusted off the kid's commissions charts (adding one for Addison), and I'm looking forward to a productive day. In addition to our chores for today, I need to put away the decorations (sort what we don't need or is broken), organize my returns, plan out the rest of the week so I don't forget anything.<br />
<br />
<span style="font-size: large;">T</span>his week we'll be hosting FPU Alumni where we'll discuss goal setting for 2011. I'll share those later this week once I have formalized my own. <em><span style="color: #990000;">What's on your list for today and the new year?</span></em>TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com0tag:blogger.com,1999:blog-4817092360980528635.post-85578883164491566872010-12-05T17:49:00.000-05:002010-12-05T17:49:07.453-05:00The Smell of Tradition<div class="separator" style="clear: both; text-align: center;"><a href="http://1.bp.blogspot.com/_LhXqkms42Qw/TPwWpjMmZJI/AAAAAAAAA0U/dNUFWIvi-ZE/s1600/DSC_0125-1.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="212" ox="true" src="http://1.bp.blogspot.com/_LhXqkms42Qw/TPwWpjMmZJI/AAAAAAAAA0U/dNUFWIvi-ZE/s320/DSC_0125-1.JPG" width="320" /></a></div><br />
As December rolled in, so did the wave of memories and holiday traditions. I woke up Wednesday morning to the smell of apples and cinnamon. As I turned on the light to kitchen, I had a flashback to my youth. On the back wall were two felt Santa's with 24 mini candy-canes decorating their Santa suits, just like the ones my mom had made for me when I was little. On the counter were applesauce-cinnamon ornaments that had been slowly drying for the past couple days. While I love the practicality and savings of home-made gifts and decorations, it's carrying on the traditions that is truly priceless. I LOVE THE HOLIDAY SEASON!!!<br />
<br />
<div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><a href="http://1.bp.blogspot.com/_LhXqkms42Qw/TPwVi1EIsuI/AAAAAAAAA0Q/-TVqLk7iRnQ/s1600/DSC_0129.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" ox="true" src="http://1.bp.blogspot.com/_LhXqkms42Qw/TPwVi1EIsuI/AAAAAAAAA0Q/-TVqLk7iRnQ/s320/DSC_0129.JPG" width="212" /></a></div><br />
ps - Troy's dislike for the candy canes wasn't even enough to damper the cheer in my heart.TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com0tag:blogger.com,1999:blog-4817092360980528635.post-72091433582491802272010-11-29T07:30:00.001-05:002010-12-05T17:41:15.927-05:00Holiday Grand Plan: Holiday Decor WeekI think I missed a couple weeks due to the Thanksgiving "break" and insanity of trying the sell the house. One good thing about the house being on the market is that I have had to do a couple big cleans from top to bottom, so it's staying in pretty good shape. I still feel the need to get back on track with the<a href="http://christmas.organizedhome.com/holiday-grand-plan"> Holiday Grand Plan</a>.<br />
<br />
<a href="http://christmas.organizedhome.com/holiday-grand-plan/decor-week"><span style="font-size: large;">Holiday Decor Week</span></a><br />
I love decorating for the holidays. It's one of my favorite times of year. I love watching the house transform in to a festive place with a smile around every corner!<br />
<br />
<strong>Holiday Prep:</strong><br />
<ul><li>Sort Lights - pitch broken lights and inventory remaining</li>
<li>Updated (outdoor) Lights to LED - <em><span style="color: #990000;">done</span></em></li>
<li>Decorate house - inside and out - <em><span style="color: #990000;">done</span></em></li>
<li>Make applesauce-cinnamon ornaments with kids -<span style="color: #cc0000;"><em> done</em></span></li>
<li>Finish Advent Santa for the kids - <em><span style="color: #cc0000;">done</span></em></li>
</ul><div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/_LhXqkms42Qw/TPwUzEbbdBI/AAAAAAAAA0M/jBA2b5Kc_f8/s1600/DSC_0135.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" ox="true" src="http://3.bp.blogspot.com/_LhXqkms42Qw/TPwUzEbbdBI/AAAAAAAAA0M/jBA2b5Kc_f8/s320/DSC_0135.JPG" width="213" /></a></div><br />
<ul><li>Update <a href="http://notthefinaldestination.blogspot.com/p/christmas-master-wish-list.html">Master Wish List</a> for kids & wrap up shopping</li>
<li>Finish Christmas shopping for extended family</li>
<li>Finalize Christmas plans with family</li>
<li>Make grocery list for holiday treats (see what can be made ahead)</li>
</ul><br />
I am hoping for a little less insanity this week, but I start facilitating my first FPU Class on Wednesday night and we're going out of town again on Friday, so I'll be happy with what ever I accomplish!TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com0tag:blogger.com,1999:blog-4817092360980528635.post-11995905257933235702010-11-21T19:20:00.002-05:002010-11-21T19:20:51.968-05:00A little holiday fun!<div style='background-color:#e9e9e9; width: 425px;'><object id='A884717' quality='high' data='http://aka.zero.jibjab.com/client/zero/ClientZero_EmbedViewer.swf?external_make_id=O7R2FmNdyepafFlY&service=elfyourself.jibjab.com&partnerID=ElfYourself' pluginspage='http://www.macromedia.com/go/getflashplayer' type='application/x-shockwave-flash' wmode='transparent' height='319' width='425'><param name='wmode' value='transparent'></param><param name='movie' value='http://aka.zero.jibjab.com/client/zero/ClientZero_EmbedViewer.swf?external_make_id=O7R2FmNdyepafFlY&service=elfyourself.jibjab.com&partnerID=ElfYourself'></param><param name='scaleMode' value='showAll'></param><param name='quality' value='high'></param><param name='allowNetworking' value='all'></param><param name='allowFullScreen' value='true' /><param name='FlashVars' value='external_make_id=O7R2FmNdyepafFlY&service=elfyourself.jibjab.com&partnerID=ElfYourself'></param><param name='allowScriptAccess' value='always'></param></object></div>TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com0tag:blogger.com,1999:blog-4817092360980528635.post-26347304858055031712010-11-08T10:25:00.002-05:002010-11-13T12:48:46.372-05:00Holiday Grand Plan: Garage and StorageWe had our first Open House this week, so I basically condensed the last couple months of cleaning in to 2 days. While I'm EXHAUSTED, it's so nice to have a clean house. Unlike other times I cleaned, I tried to avoid just shoving things in closets (since people will look in your closets). I still have a lot to do, but am much further than I have been in years!!!<br />
<br />
This week in the Holiday Grand Plan is the <a href="http://simplemom.net/plan-your-peaceful-christmas-prepare-the-budget/#more-9917">garage and storage</a>. The garage is pretty much Tim's territory, but there are a few things there that I would like to get done this week. I'm also going to use this week to try to sort through the storage and stacks of stuff that I didn't actually get to over the weekend.<em> Confession -- I have a couple baskets of stuff that got thrown together and put in the car as we left for the open house.</em><br />
<br />
<strong>Cleaning:</strong><br />
<ul><li>Sort baskets of paper - file, recycle, shred - <em><span style="color: #990000;">half done</span></em></li>
<li>Clean hall closet - sort, pitch, donate</li>
<li>Attack front section of garage - sort, pitch, donate</li>
<li>Tool cabinet - sort, pitch, donate (consider moving what's left downstairs)</li>
<li>Revisit <a href="http://www.motivatedmom.com/">Motivated Mom</a> list to help maintain the house. - <em><span style="color: #990000;">printed</span></em></li>
</ul><br />
<strong>Holiday Prep:</strong><br />
<ul><li>Make one batch of holiday goodies (figure out what I can make ahead and freeze)</li>
<li>Decide one what I'm taking to Thanksgiving</li>
<li>Inventory card situation</li>
<li>Create Christmas Card list</li>
<li>Buy Thanksgiving Dinner for church donation (goal: buy 2 this year) - <em><span style="color: #990000;">done. Can I do 3?</span></em></li>
<li>Pick an Advent option - <em><span style="color: #990000;">done, will post pictures soon</span></em>.</li>
<li>Order on-line gifts</li>
<li>Create <a href="http://notthefinaldestination.blogspot.com/p/christmas-master-wish-list.html">Master Gift List</a> for kids - <em><span style="color: #990000;">done</span></em></li>
</ul><br />
I am still shocked how clean our house is right now. Tim even cleaned the carpets in a few rooms. I know it won't last. It never does. But I am hoping that I can find a way to at least keep it clean enough that I can have it "show worthy" in a short amount of time.<br />
<br />
<em>Any suggestions for frozen meals? Do you use an Advent Calendar?</em>TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com1tag:blogger.com,1999:blog-4817092360980528635.post-3550630289931876282010-10-25T21:11:00.002-04:002010-10-31T20:32:56.224-04:00Holiday Grand Plan: The Pantry & ClosetsSo, last week I joined <a href="http://www.rockingranola.com/">Kara</a> in the <a href="http://christmas.organizedhome.com/holiday-grand-plan">Holiday Grand Plan</a>. I can't say I got very far on the list, but it was certainly a nice start on getting back on track for the holidays. In addition to Week 9's task for the Pantry and Closets, I'm also playing catch-up. Here's my plan for this week (<em>with fingers crossed</em>):<br />
<br />
<div></div><div></div><span style="font-size: large;">Week 9: <a href="http://christmas.organizedhome.com/holiday-grand-plan/pantry-closets-week">Pantry & Closets</a></span><br />
A lot of people dream of more closet space. I find it to be a curse. I hold on to WAY more stuff than I need to simply because I have a place to put it. I'm really glad this is the focus of the week, because it's a priority in getting the house ready for sale and regaining my insanity. <em>Note: Helping a 91 year old woman move and sell her house will make you wish you had a LOT less stuff.</em><br />
<br />
<div></div><div></div><strong>Cleaning:</strong><br />
<ul style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><a href="http://4.bp.blogspot.com/_LhXqkms42Qw/TM4KY_bu9ZI/AAAAAAAAA0A/T2T0UENB6Yo/s1600/P1030379.JPG" imageanchor="1" style="clear: right; cssfloat: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="150" nx="true" src="http://4.bp.blogspot.com/_LhXqkms42Qw/TM4KY_bu9ZI/AAAAAAAAA0A/T2T0UENB6Yo/s200/P1030379.JPG" style="cursor: move;" unselectable="on" width="200" /></a>
<li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;">Sort master closet - sort, pitch, donate unworn and unwanted items - <span style="color: #cc0000;"><em>Done - <strike>four</strike> six bags to Goodwill and counting.</em></span></li>
<li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;">Store summer clothes - <em><span style="color: #cc0000;">Done</span></em></li>
<li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;">Sort cleaning cabinet under sink - pitch, pitch, pitch</li>
<li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;">Sort Bathroom closet - pictch expired, inventory cold meds, etc</li>
<li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;">Sort hall closet - sort, pitch, donate</li>
</ul><br />
<div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><br />
</div></div><div></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><strong>Holiday Prep:</strong>I have a lot of catching up to do here, especially since I basically did NONE of it last week.</div><ul><li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;">Make one batch of holiday goodies - <em><span style="color: #cc0000;">Done</span></em></li>
<li>Make one freezer meal </li>
<li>Create Master Gift List - <span style="color: #cc0000;"><em>Almost done. Still not sure on a couple things.</em></span></li>
<li>Purchase pumpkins for Halloween - <em><span style="color: #cc0000;">Actually might skip this year. Bad mommy!</span></em></li>
<li>Carve pumpkins - <em><span style="color: #cc0000;">Actually might skip this year. Bad mommy!</span></em></li>
<li>Finalize costumes for kids </li>
<li>Make <a href="http://pinkandgreenmama.blogspot.com/2010/10/homemade-felt-pumpkin-game.html"><span style="color: #004666;">Halloween Felt Game</span></a> </li>
</ul><span style="font-size: large;">Catching up</span><br />
Since I started the Holiday Grand Plan on Week 8, I'm playing catch-up along the way. I'm started where I joined and working my way backwards. I didn't get too far last week, but have decided it's better to keep going than to beat myself up over what's not done.<br />
<br />
<div></div><strong>Week 6: Kid's Room</strong><br />
There isn't much to do here, since I had just spent serious time on these rooms before listing the house.<br />
<ul><li>Dust ceiling fans</li>
<li>Clean switch plates</li>
</ul><br />
<div></div><strong>Week 5: Master Bathroom</strong><br />
Since there isn't much to do in the kid's rooms and my master bathroom is in MAJOR need of attention, I decided to add it to this week as well. <br />
<ul><li>Medicine Cabinet - empty, clean shelves, pitch expired medicines</li>
<li>Vanity - empty, clean, sort, pitch, donate</li>
<li>Clean mirrors</li>
<li>Find new spot for basket on vanity counter</li>
<li>Clean and organize shelves above toilet</li>
<li>Recycle old magazines</li>
<li>SUPER CLEAN shower and toilet</li>
<li>Recaulk shower</li>
<li>Sweep & mop</li>
</ul><br />
<div></div>Big list. Wish me luck!<br />
<div class="separator" style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; clear: both; text-align: center;"><a href="http://4.bp.blogspot.com/_LhXqkms42Qw/TM4KY_bu9ZI/AAAAAAAAA0A/T2T0UENB6Yo/s1600/P1030379.JPG" imageanchor="1" style="clear: right; cssfloat: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="72" src="http://4.bp.blogspot.com/_LhXqkms42Qw/TM4KY_bu9ZI/AAAAAAAAA0A/T2T0UENB6Yo/s200/P1030379.JPG" style="filter: alpha(opacity=30); left: 521px; mozopacity: 0.3; opacity: 0.3; position: absolute; top: 317px; visibility: hidden;" width="96" /></a></div>TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com1tag:blogger.com,1999:blog-4817092360980528635.post-1072872686295651722010-10-18T09:09:00.002-04:002010-10-22T08:00:07.585-04:00Holiday Grand PlanNow that phase 1 of our house clean-up is done (in preparation for putting the house on the market), it's time to get deeper in to cleaning and organizing. I've been reading along with <a href="http://www.rockingranola.com/">Kara's</a> <a href="http://www.rockingranola.com/p/christmas-365.html">Holiday Grand Plan</a>. She always inspires me. I'm proud to stay I actually know her in real life too! While I don't think I could catch up, I think I'm going to follow along with her for the remainder of the Holiday Grand Plan and hopefully fill in some of the past weeks when I have time.<br />
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<div></div><em>Background: </em><a href="http://christmas.organizedhome.com/holiday-grand-plan"><em>Holiday Grand Plan</em></a><em> is a system by Katie Leckey and Cynthia Ewer of Organized Christmas where you break down all of your holiday tasks into weekly lists and complete a total home deep cleaning at the same time.</em><br />
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<strong><span style="font-size: large;">Week 8: <a href="http://christmas.organizedhome.com/holiday-grand-plan/kitchen-week">Kitchen</a></span></strong><br />
I've already done a lot of cleaning in the kitchen, but this is one of those rooms where there is always more to do. It's also one of the rooms that is the hardest for me to slim down. I'm pretty attached to most of my kitchen gadgets, even though a lot of them are only used 1-2 times per year.<br />
<br />
<strong>Cleaning:</strong><br />
<ul><li>Clean out cabinet under the sink - pitch any old or unused cleaners</li>
<li>Clean out and organize other cabinets - <em><span style="color: #990000;">in progress</span></em></li>
<li>Clean out and organize drawers</li>
<li>Clean fridge - <span style="color: #990000;"><em>half done</em></span></li>
<li>Wipe down appliances</li>
<li>Clean microwave cabinet - <em><span style="color: #990000;">done</span></em></li>
<li>Bleach sink</li>
<li>Reorganize hutch - <span style="color: #990000;"><em>done</em></span></li>
<li>Pitch, sort, donate</li>
<li>Mop by hand</li>
<li>Wipe baseboards</li>
<li>Wipe switch plates</li>
<li>Organize pantry - <em><span style="color: #990000;">done</span></em></li>
</ul><br />
<strong>Holiday Prep:</strong><br />
I have a lot of catching up to do here...<br />
<ul><li>Make one batch of holiday goodies</li>
<li>Make one freezer meal</li>
<li>Create Master Gift List</li>
<li>Purchase pumpkins for Halloween</li>
<li>Finalize costumes for kids</li>
<li>Make <a href="http://pinkandgreenmama.blogspot.com/2010/10/homemade-felt-pumpkin-game.html">Halloween Felt Game</a></li>
</ul><strong><span style="font-size: large;">Catching up:</span></strong><br />
I need to revisit weeks 1-7 and finish some of them as well. I think I'll work backwards...<br />
<br />
<strong>Week 7: Guest Room</strong> - we don't host guests for the holiday, but still need to work on the 4th bedroom for the sale, so this will be a good list<br />
<ul><li>Spend at least 1 hour organizing desk area</li>
<li>Sort bookshelf. Donate any unneeded books to <a href="http://www.betterworldbooks.com/">Better World Books</a></li>
<li>Spend at least 1 hour organizing closet</li>
<li>Fix window screens</li>
<li>Dust ceiling fan</li>
</ul>I'm trying not to get too giddy about the fact that this totally feeds my love for lists! I think it's also time for me to revisit my <a href="http://www.motivatedmoms.com/">Motivated Moms Calendar </a>too. It'll be a lot easier to get ready for showings if I keep up with it as we go. If I get really brave, I'll add some before and after pictures along the way.TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com1tag:blogger.com,1999:blog-4817092360980528635.post-21355114037977364072010-10-12T07:19:00.003-04:002010-10-14T22:18:17.343-04:00Changing things upNow that I have my other site to write financial ramblings (although I haven't written much lately), I'm going to use this site to do more life stuff. Today I need a plan and this is probably the best place for me to work out that plan. I'll be writing a post soon on our decision to downsize. Trying to get the house ready to go on the market is a lot of work, but it feels good to be productive. Here's the plan for the next 2 days:<br />
<br />
* <strike>Get rid of dresser on Craig's List</strike><br />
* <strike>Find someone to install carpet - Do we install the remnant, order new, or give credit??? Can't decide.</strike><br />
* Finish organizing basement<br />
*<strike> Move carpet out of Troy's room to make way for new carpet</strike><br />
* <strike>Fix closet doors in Troy's room & organize</strike><br />
* <strike>Rehang shower curtain in kids bath & declutter</strike><br />
* <strike>Quick pick up in Addison's Room</strike><br />
* Declutter & organize master closet<br />
* <strike>Quick pick up in master bedroom</strike><br />
* Clean bathrooms - master, <strike>kids</strike>, <strike>half</strike><br />
* <strike>Empty cabinet in dining room (move downstairs)</strike><br />
* <strike>Set up/organize table</strike><br />
* <strike>Declutter dining room</strike><br />
* <strike>Quick clean/declutter living room</strike><br />
* <strike>Quick clean in kitchen (already decluttered)</strike><br />
* <strike>Quick clean in family room (already decluttered)</strike><br />
* Finish basement<br />
* Laundry<br />
* Switch seasons in closets and store summer stuff<br />
* Sort kids clothes and give away what they've outgrown<br />
* Sort pantry<br />
* Deposit checks <br />
<br />
So much time and so little to do. Strike that. Reverse it!TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com0tag:blogger.com,1999:blog-4817092360980528635.post-78065172964484386692010-07-05T21:33:00.000-04:002010-07-05T21:33:17.757-04:00Secrets Revealed...Curious why I have been missing in action lately? I'm been working on a new website/blogsite. I'm pleased to announce <a href="http://www.michianafpu.com/"><span style="font-size: large;">Financial Peace Network</span></a><span style="font-size: large;">!</span><br />
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I will probably continue to write on this site (probably the more personal things), but will likely spend a lot more time there. I hope you will continue to follow my journey on the new site.TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com0tag:blogger.com,1999:blog-4817092360980528635.post-142656039473356512010-07-02T10:17:00.000-04:002010-07-02T10:17:07.029-04:00The snowball is starting...I have a phone interview with the local FM station in about 15 minutes. Topic of discussion... FPU Alumni! Put that together with my exciting new project and this snowball might actually start gaining some speed. Wish me luck!!!!TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com0tag:blogger.com,1999:blog-4817092360980528635.post-29863247658952101682010-06-28T19:52:00.003-04:002010-06-28T20:03:55.251-04:00Giving Back<div><span style="font-size:130%;">T</span>roy started his first Vacation Bible School yesterday. As part of their week, they have a different item each day that they are requested to bring in for the Food Pantry. This morning Troy emptied the "giving" slot on his piggy bank and we headed to Aldi's. It was a perfect opportunity for us to talk about the importance of giving back, those less fortunate than us, and why God wants us to care for those around us. I think he got it. I'm sure it will sink in even more once he gets to take his <span style="font-size:130%;"><strong>12</strong> </span>boxes up to the stage tonight.</div><br /><div></div><br /><div>Here he is with his tower of mac-n-cheese!</div><br /><div></div><br /><a href="http://2.bp.blogspot.com/_LhXqkms42Qw/TCk3tgXELfI/AAAAAAAAAwk/dDUCc2T9QBw/s1600/DSC_0247.JPG"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 213px; DISPLAY: block; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5487978875847978482" border="0" alt="" src="http://2.bp.blogspot.com/_LhXqkms42Qw/TCk3tgXELfI/AAAAAAAAAwk/dDUCc2T9QBw/s320/DSC_0247.JPG" /></a><br /><br />I can't wait to hear how things went tonight!TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com0tag:blogger.com,1999:blog-4817092360980528635.post-4598794676873284682010-06-23T22:01:00.002-04:002010-06-23T22:10:30.070-04:00Where have I been hiding?Wow! I can't believe it's been over a month since I've posted here. I've been working on a couple VERY time consuming projects. While one of them is still very hush-hush (although, stay tuned because it will be coming soon), the other has been the bigger challenge. A few months ago I connected with a very new chapter of an international not-for-profit -- Fuller Center for Housing. From the same creator of Habitat for Humanity, this is an organization that really highlights a lot of my beliefs and passions.<br /><br />The local organization is still developing, getting in to its rhythm, and finding its way. It has taken a lot of time, but I know it will be well worth it. I really wish I could find more time to devote to getting things off and running because I strongly believe in their mission. I sort of feel like I'm trying to cram a full time job in to a few hours a week. I hate doing things less than 100%, but keep trying to remind myself that it's more help than they have had in the past.<br /><br />It wouldn't be so hard if I didn't have my hands in a couple other things at the same time. I'm hoping the bulk of the work on at least one of those projects is mostly behind me. I'm not sure what it will mean for my time to blog, but I at least wanted to let you all (all 2-3 of you, LOL!) that I'm still around!<br /><br />More soon!TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com1tag:blogger.com,1999:blog-4817092360980528635.post-6888902270489179512010-05-21T13:42:00.003-04:002010-05-22T08:57:26.692-04:00That's a side I haven't seen in a while!I went to the mall with the kids this morning. It's a rainy day "activity" that allows us to get out of the house and play a little, plus I had some clothes to return. Usually the biggest stressor of the trip is keeping the kids from throwing a fit when it's time to leave. Today I was faced with a whole other demon.<br /><br /><span style="font-size:130%;">I</span>'ve been going through some horribly difficult emotional issues in my life lately. A lot of things from my past resurfaced at the mall today. Every where I looked there was either some thing I wanted to eat or some thing I wanted to buy. I found myself 'jonesing' for clothes for myself. If you know (the current) me, you'd realize how odd this is. While I love shopping for the kids and admit it's a bit of an addiction, I rarely actually crave stuff for myself.<br /><br /><span style="font-size:130%;">I</span> quickly crabbed my phone and started texting my husband. Even with his help talking me down, I finally just had to leave the mall. I had to get away from the temptation before I craved. I overwhelming saw today how much I used to rely on food and retail therapy to solve my emotional problems. It's no wonder I racked up a significant school loan debt (bought way too much in college) and credit card bill. <span style="color:#990000;">I was constantly seeking <em>things</em> that I thought will fill the void, solve the problem, make me feel better.</span><br /><br /><span style="font-size:130%;">I</span>'ve done pretty well at getting my food cravings under control lately. I rejoined Weight Watchers last summer and am currently in the middle of my 6-week maintenance for my lifetime membership. I've had to learn to "budget" my food much like I budget my money. I'm usually 95% successful with that approach. The other thing I had to do was admit that I'll never be back down to the weight/size I was before I had 2 kids. Today I got a glimpse at how quickly all that hard work could slip away from me.<br /><br /><span style="font-size:130%;">W</span>ithout careful attention, I could easily down the 1/2 pound of fudge while spending hundreds at Victoria Secrets. It would be an easy thing to do. What we have to remember on the journey is that it's just that... a journey. Even after you reach your goals, you still have to maintain them. It's not a punishment. It's simply a reality. <span style="color:#990000;">If you change your habits, you'll find success. Recognizing your weaknesses and developing positive coping techniques, however, is the key to <strong>maintaining</strong> that success.</span><br /><br /><em>So... what are your weaknesses? Do you consciously keep these in mind? What positive ways have you found to avoid those temptations?</em>TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com2tag:blogger.com,1999:blog-4817092360980528635.post-66281289763326181722010-05-18T19:19:00.003-04:002010-05-18T19:45:24.917-04:00FPU Alumni Summer Schedule<span style="font-size:130%;">A</span>fter a couple e-mails and some discussions, we've set the schedule for the FPU Alumni Summer Series.<br /><br /><span style="color:#990000;">June 2nd - <strong>Living the "single" life</strong>: Tips and tricks for budgeting on a single (or reduced) income<br />July 7th - <strong>Filling in the gaps</strong>: A look at some of the things Dave didn't talk about in FPU.<br />August 4th - <strong>Help for the holidays</strong>: How to avoid sticker shock during the holidays.<br /></span><br /><span style="font-size:130%;">I</span>'m excited about having specific topics and hope it will generate some interest with the members of the church as well. We've talked to the Communications Director and will be getting some extra publicity for the upcoming events. Our group has always sort of been a quiet church bulletin announcement, but hopefully that will change starting this Sunday.<br /><br /><span style="font-size:130%;">T</span>he format is an open forum discussion. We'll provide some material and research, but we really look for additional ideas, help, and feedback from the rest of the group. While I could talk for hours, I really enjoy hearing other peoples suggestions and tips even more.<br /><br /><span style="font-size:130%;">T</span>he church provides childcare (for free) and welcomes any one who wants to attend, so we might try promoting the event to other churches as well. If you live in the area, registration will be available soon...<br /><a href="http://www.claychurch.com/utilities/registrations.htm">Registration</a><br /><br />Thank you for your input and suggestions!TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com1tag:blogger.com,1999:blog-4817092360980528635.post-21485303678735589102010-05-17T09:57:00.004-04:002010-05-17T10:14:31.905-04:00FPU Alumni<span style="font-size:130%;">A </span>few months ago I started a <span id="SPELLING_ERROR_0" class="blsp-spelling-error">FPU</span> Alumni Group at church. The idea was to create a place where like-minded people could gather once a month to ask questions, ask for advices, share success stories, and all around support each other. I was also hoping it might help people who had drifted away by <span id="SPELLING_ERROR_1" class="blsp-spelling-corrected">inspiring</span> them. It's scheduled for the first Wednesday of each month, which I thought would go well with beginning of the month budgeting.<br /><br /><span style="font-size:130%;">T</span>he first month we had 2 couples come. Both had finished Baby Step 3 and were doing quite well. It was nice to visit with them and know there were others out there, but they didn't return the 2<span id="SPELLING_ERROR_2" class="blsp-spelling-error">nd</span> month so I guess they didn't "connect" with the idea.<br /><br /><span style="font-size:130%;">T</span>he second month we had 2 couples from the class we were helping facilitate. I shared a couple articles on Dave's opinion on success vs. failure (Successful people are simply failures that learned from their mistakes). It was a very short gathering since the actual <span id="SPELLING_ERROR_3" class="blsp-spelling-error">FPU</span> class started 30 minutes after our group met, but it was nice to see some people come.<br /><br /><span style="font-size:130%;">T</span>he third month - last month - was a total bust. No one registered. No one came. It's frustrating because our church provides childcare, so that's not the excuse. I also hate when I don't succeed at things, so there is some disappointment there. I'm not totally surprised. Money is a hard thing to talk about. I was hoping to light a fire with people who had lost momentum, but people aren't likely to come and confess that they have lost their way.<br /><br /><span style="font-size:130%;">N</span>ow I'm stumped... summers are hard to get people to participate. One thing working in our favor is that our <span id="SPELLING_ERROR_4" class="blsp-spelling-error">FPU</span> class just finished up so there are some people who might now be freed up to join us. I think if I include a specific topic in the church bulletin people might be more likely to attend (we opened it to any one interested, not just people who have been through <span id="SPELLING_ERROR_5" class="blsp-spelling-error">FPU</span>), but I'm not sure what the next topic should be. I'm considering...<br /><br />* Christmas in June (tips on creative gift giving and planning ahead)<br />* Secrets of success - I'm hoping a friend we just met will come talk. He's on Baby Step #7.<br />* <span id="SPELLING_ERROR_6" class="blsp-spelling-error">Couponing</span> 101 - possibly even bring in a local coupon guy<br /><br /><em><span style="color:#990000;">Do you have any ideas? What topics would you like to hear more about? </span></em><br /><em><span style="color:#990000;"></span></em>TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com3tag:blogger.com,1999:blog-4817092360980528635.post-84006279661767028952010-05-14T07:42:00.002-04:002010-05-14T07:55:57.149-04:00Financial Check-up: April 2010It's been a really long time since I have posted. We've been working through some family issues, but hopefully things are leveling out a little and I can refocus on blogging again. It really is a form of therapy for me.<br /><br />Here's our Financial Check-up for our <strong>April goals</strong>:<br />* Complete "Love Letter" of Financial and Personal Information to give to Tim - <span style="color:#990000;">I struggled with this one. I started gathering all the information and then was suddenly overwhelmed with fear. The "Love Letter" has you list all your account numbers, your passwords, etc. It's a great concept (and probably greatly needed), but I got this overwhelming rush of "What happens if this falls in to the hands of the wrong person." I'm not really sure how to address that issue yet. It makes me understand why so many people have safety deposit boxes. Any suggestions???<br /></span>* Explore Excel version of <span id="SPELLING_ERROR_0" class="blsp-spelling-error">FPU</span> forms. See if they will work for us or can be easily modified. - <span style="color:#990000;">These forms were great. If any one wants me to share I can gladly e-mail them to you. I'm not sure they will work for us because we don't actually use the cash envelope system. I need to explore a little further.<br /></span>* Help Dave & Shelly get their budget in a format they are comfortable working with. - <span style="color:#990000;">This is going well. I'm going back again this week to help figure out why it's not balancing correctly. I'm just thrilled they are willing to ask for help. That's a hard thing to do. </span><br /><span style="color:#990000;"></span><br /><span style="color:#000000;"><strong>May Goals:</strong></span><br />* Figure out tax letter (I got a letter that I still owe them money - YIKES!) for Federal and State.<br />* Re-evaluate "fully funded" emergency fund<br />* Explore ways to promote <span id="SPELLING_ERROR_1" class="blsp-spelling-error">FPU</span> Alumni Group -- suggestions welcome!TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com1tag:blogger.com,1999:blog-4817092360980528635.post-18359708240600830892010-04-18T08:14:00.004-04:002010-04-18T08:54:24.146-04:00He's Getting ItWe've been trying to teach Troy the importance of his decisions as we've been working on our commissions system. <span style="color:#990000;">There are so many basic things that they have to learn. </span>It was awesome when I recently saw one of these basic life lessons sink in with Troy.<br /><br />Ever since we started going to the zoo a couple years ago Troy has been asking to use one of those machines where it smashes a picture in to a penny. We've always been able to talk him out of it. When he started on commissions, I decided that it was his choice. If he wanted to spend his $0.51 on a smashed penny, that was up to him.<br /><br />We were walking through the amphibian house when we came to one of those things where you can put coins in and watch them spin down (or race another coin). I offered him a penny and he froze. He loves doing this, so I was really confused. He had this puzzled, almost panicked, look on his face. When I asked what was wrong he said, "But I really want to put my penny in the machine outside." It occurred to me, he was thinking that if he put his penny here he wouldn't have one for his penny picture outside. Opportunity costs!!! He gets it!!!<br /><br />Luckily, I was able to show him he had more than 1 penny in his money pouch, so he got to enjoy both. He was thrilled!!! It seems like such a basic thing to a grown up, but for a child this is a HUGE realization. He's been exposed to the idea before, but it's nice to see him being able to apply it to money too.TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com1tag:blogger.com,1999:blog-4817092360980528635.post-71234815499444545622010-04-14T22:10:00.002-04:002010-04-14T22:13:22.721-04:00Spring Cleaning for your Financial DocumentsI always struggle with what records and documents I need to keep and for how long. I'm pretty sure I no longer need my taxes from 1992, but what about some of the other "questionable" things?<br /><br />Dave has a great resource on his site. Go <a href="http://www.daveramsey.com/article/organizing-your-important-documents/lifeandmoney_other/text4/">here</a> for a complete list of what you should keep (and thus what you can declutter and pitch) and how long you should keep them.<br /><br />This is a perfect resource during this time of spring cleaning!TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com0tag:blogger.com,1999:blog-4817092360980528635.post-16568856780788928642010-04-11T20:58:00.002-04:002010-04-11T21:26:00.216-04:00Asking For It!One of my favorite lines that Tim uses is, <span style="color:#990000;">"You get 100% of what you don't ask for!"</span> That's a reminder that plays in my head pushing me to ask for more discounts and bargains. We're currently in the process of remodeling our deck. We have saved up and decided to get composite material so we won't have to mess with maintenance for a long time. We researched quite a bit and found that Home Depot had some Trex on clearance. It was still expensive, but we were able to get the higher quality stuff for the same prices and their cheaper brand.<br /><br />Today I was at Home Depot again returning some things and picking up more stain. I noticed that the in-stock Trex material was almost gone - only 5 boards left (glad we got there when we did). I also noticed that it was clearanced even more. It was $7 cheaper per board. With 35 boards in our order, that was really significant. I asked the cashier if they do price adjustments. Of course, she said no. Well, actually, she said I could return it and rebuy it but since they were 16' deck boards that were delivered on a big truck... I wasn't going to return them.<br /><br />I thought it a little more on my way home and wasn't satisfied with that answer. When I got home I called and talked to a manager and then sent Tim back to Home Depot. He's usually better at being firm and getting his way. Amazingly, they didn't give him a hard time. They made one call to the lumber department and then credited us... <strong><span style="color:#660000;">$262.15</span></strong>!!!<br /><br />Bottom line... Ask the hard questions, don't accept "no" for an answer, and don't be afraid to ask for the manager. <span style="color:#990000;">It's much better to have the money in your pocket than regret on your mind.</span>TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com2tag:blogger.com,1999:blog-4817092360980528635.post-31779962732168490152010-04-09T21:27:00.003-04:002010-04-10T09:14:01.502-04:00I'm here!Want to know why I haven't been posting as much... check out <a href="http://ourzones.blogspot.com/2010/04/spring-cleaning-family-room.html">this</a> and <a href="http://ourzones.blogspot.com/2010/04/spring-cleaning-family-room-part-2.html">this</a>. Visit <a href="http://ourzones.blogspot.com/">this page</a>of my blog often over the next couple weeks to see me work my way through the house. Be sure you weigh in on my challenges and successes! I can almost promise this will lead to a post (or series) on garage sales!!!!TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com0tag:blogger.com,1999:blog-4817092360980528635.post-48192200755270090992010-04-09T12:08:00.005-04:002010-04-09T13:05:46.680-04:00Wiggle Room<span style="font-size:130%;">I</span>'ve decided to give myself a little bit of a break and go slightly "off program". No, I'm not getting a credit card or any thing crazy like that. I just decided we really shouldn't be so hard on ourselves. Tim and I have both been feeling guilty about our hobbies. He really wants to play golf and I just started a cake decorating class, but it's hard for us to spend money on these things.<br /><br /><span style="font-size:130%;">I </span>started thinking about how ridiculous that was considering all we've done and how far we've come. Here we are, debt free with a fully funded emergency fund and I'm still being incredibly regimented and strict. I talked in a <a href="http://notthefinaldestination.blogspot.com/2010/01/irregular-income-our-method.html">previous post</a> about how we have established a percentage based formula for irregular income. Normally I would include apply this to <em>any</em> source of income. While that has been great at keeping us on track and moving in the right direction, I've decided NOT to do that with our tax return.<br /><br /><span style="font-size:130%;">N</span>ow, I'm not talking about thousands of dollars. If you get that much back, I hope you are looking at adjusting your with holdings. We really try to minimize our return, but it's hard with my business. This year we got a return from Federal, but had to pay the State. The net difference was a few hundred dollars.<br /><br /><span style="font-size:130%;">I</span> have decided not to our tax return as irregular income this year, but look at our current situation and priorities instead. I set aside enough to pay my <a href="http://www.zanderins.com/">term life insurance</a> for a year (which should be approved and due soon), put some towards an extra house payment, and then decided Tim and I deserved some "blow fund" money for our hobbies. <span style="color:#990000;">I think it's important to reward ourselves with guilt-free things every once in a while. <span style="color:#000000;">I wouldn't suggest this to some one who was being truly gazelle intense, but I have to remind myself that we can occasionally apply the second half of the "Live like no one else" equation. While we were on Baby Step #2 we put at least 75% of any return towards debt (even more toward the end) and used the rest for sinking funds and items we needed around the house. </span><br /></span><br /><span style="font-size:130%;">I</span>t's kind of funny that I think giving us each a $50 blow fund as a big splurge! In reality, we don't usually have much we want. <span style="color:#990000;">Over the past couple years we've truly become content with a more simple life. </span>I'm so glad we don't feel the need to keep up with the Jones's. We don't need the latest and greatest gadgets, don't even want fancy furniture (since we have young kids at home), and think the best form of entertainment is time with the family. It will be nice, though, to enjoy some outside activities.TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com0tag:blogger.com,1999:blog-4817092360980528635.post-19589762715902650222010-04-08T15:29:00.002-04:002010-04-08T15:35:52.118-04:00Financial Check-up: March 2010I think I struck out on this month, but at least I'm going to be honest about it...<br /><br /><strong>March Goals:<br /></strong>* Expand price list to include other items commonly purchased and other stores - <span style="color:#009900;"><span style="color:#009900;">This</span> is a work in progress.<br /></span>* Get taxes finalized and in the mail - <span style="color:#009900;">These are finalized, but not in the mail. We're waiting for the Federal return before we right the check to the State.</span><br />* Set up college funds for kids - <span style="color:#009900;">Decided to wait until tax season is over, but we know what we are doing. I'll try to share more when we actually do it.</span><br /><span style="color:#009900;"></span><br /><span style="color:#000000;">April Goals:</span><br />* Complete "Love Letter" of Financial and Personal Information to give to Tim<br />* Explore Excel version of FPU forms. See if they will work for us or can be easily modified.<br />* Help Dave & Shelly get their budget in a format they are comfortable working with.TA-TAhttp://www.blogger.com/profile/02172627904639676958noreply@blogger.com0