Why does everything go on sale when you have no money!!!??

Well just because I can't take advantage of this great deal doesn't mean someone else shouldn't! Get a great discount on Family Strategies From Vision Forum. 
Use discount code FAMILYSAVE35 and get $35 bucks off! Making it only $60, which I believe is well worth the money!!


Family Strategies: An Invitation from Doug and Beall from Douglas Phillips on Vimeo.

My Goals 2010

So here is our goals for 2010-

First and foremost our financial goals.

Paying off the rest of our debt outside of our Home and car loan-

Which consists of,

Lawyer fees from last year- $800 ($100 p/mo Jan-Mar, then $500 payoff Mar 26th)

YAY!United Rental $287.97 -Jan. 8(this was the amount after Ins. paid for the accident that we owe)

Hospital balance from L/D with Madi- $1,145.87 ($100 p/mo until paid full)

Suburban- $1,200 ($400 ea mo for the next 3 months)



Put $200 in saving per month= $2,400 in Savings by December



Next Family Goals.



Better nutrition. More variety for all of us. More organic foods, better base ingredients, more fresh veggies.

Work on reading with Madi.

Less TV/internet



Marriage Goals.



Date night at least once a month.

Be more involved with Church groups.

less resistance for each others affection/ideas/plans.



Personal goals.



Me-



And this of coarse is a financial/family/couple goal, but because Ill be the one doing all the work- have baby #3!

improve sewing skills.

exercise regularly (normally I have the lose 5 lbs on my list, but this year Im going for general health since Ill be pregnant in a few months.)

read the bible in its entirety.

become less cluttered and more organized.



Russ-

Get out of debt

exercise regularly

outfit all weapons (okay I know this sounds weird, but what he wants is for his hunting rifle and shotgun to have the things on them/for them to improve their function.

Become more involved in the youth ministry at church

Master Auto LISP (its programming software he uses at work)



Of course there are many other things we want to do in 2010, I would love to take a trip to WA, but I also want to get out of debt, so if finances allow I will also go to Seattle this year.

Advent Conspiracy

Frugal Friday- Being a One Income Family- Christmas Time

Head over to Life as Mom for other great Frugal Friday posts!

So a few weeks back I wrote some about being a one income family. There are lots of difficulties that come with living on one income but I believe many more benefits.
This time of the year can be particularly hard when it comes to staying disciplined and focused. Just because its Christmas doesn't mean you forget all about your budget. In fact if you are an organized one income family you will have budgeted Christmas into your finances months ago.
I know its tempting to forgo putting extra on the credit card your trying to pay off so that you can buy that video game for your kid. But trust me when I say your child will understand, maybe not now...but when he/she is older they will remember what it means to be responsible and wise when it comes to money. So whats your Christmas budget look like? Do you have one? Here are some tips-

1. Set a budget and stick to it! Sounds simple doesn't it. But our consumerist society is out there waiting to temp you into buying more. And its not just stores that don't have your best interest in mind. Its friends and family too!
Just yesterday I was told by my well meaning Grandmother to just get a $5 gift for a gift exchange at a family gathering. Although I had just told her that we are not doing gift exchanges because our budget will not allow. Just $5, and my nephew will have something to open up. As if he doesn't already have many gifts to open that day. Its easy to think "Just $5" but that's a slippery slope to go down. Don't do it.

2. Make a list and check it twice! Yes, write it down, everyone your buying for and what you will be buying, then try as best you can to stick to it. I know once you get out there you might see something for someone you hadn't thought of, and that's okay. But it has to fit into the budget. Set a limit for each person your buying for. It might be $20 for your Aunt, and $100 for mom. If you see something while your out that you just know that special someone would love but it doesn't fit into your budget you will have to have the discipline and strength to move on. Maybe you can save to get it for them another time. There's always birthdays! Plus they will never know that you didn't get them that "other" gift!

3. Don't forget about the "other" expenses. Gifts are not the only thing that you spend more on this month. There's all that yummy holiday food, and gas to drive to visit family and friends. Is there going to be a office Christmas party, a bible study group gift exchange, or perhaps your child's school will have a special event that you'll have to bake something for? You must consider all of those things and add them into your budget.

So how is my family budget doing? We set a $500 limit and have about $200 left to get our kids their main gift and eachother something special. Okay, I would like to be able to spend more on my kids, my friends, my in laws. I want to bake every neighbor, church member and acquaintance cookies. Give my pets something special to show my love. But when it comes down to it that isn't what I want my kids to remember when they think back on Christmas. They won't remember that they didn't receive some toy that they wanted when they were 5. They will remember if Mom and Dad where always struggling to pay the bills or never saved for college.
And also let us not overlook that Christmas is about CHRIST, not shopping and presents!

Frugal Friday- Being a One Income Family

We have been a one income family for over 3 years now. Before that I had a part time child care position at our church and prior to that I worked retail. I was happy when my husband and I decided that I would exclusively stay at home with the kids. At the time I was 5 months pregnant with Madi and picking up the kiddos at the church was getting increasingly difficult. A short time after Madi was born I toyed with the idea of getting a part time job again. But the LORD lead me to continue to devote 100% to my family and my home.
And its one of the best decision we have ever made.
I think every family can do it given the right set of tools.
What tools are needed to not only survive but thrive on one income you ask? Well here's my thoughts.

Let me preface this by saying the method of living on one income when you are a family of more then two, so a Dad, a Mom and child(ren) works best when you are following Jesus, and by following Jesus you are living or trying to live biblical. So you accept and embrace the roles GOD has defined for us. Real Men and Real woman are the ones who do best and thrive on one income (aside from the wealthy of course). So the tools that have worked for us-

1. Humility. You must humble yourself to let go of all the things that you think life should look like and hand it over to God. Be humble and ask for HIS help. You can't do it on your own. Staying at home day in and out with your children is trying at the very least and you can't do it without HIS help, period.

2. Get Organized. Not just financially, but through out your home. Recently we made about $900 on EBay from selling stuff that we discovered by simple organization of our stuff! There are tons and tons of great advice and help online to get you organized. If you need links let me know!

3. You have to be Disciplined! We could have very easily taken the earnings off EBay and bought any number of things we wanted. But instead we are saving it for things we need. And you have to be disciplined enough to say no to the things you want and smart enough to know the difference between things your need and things you want.

4. Wise. You have to be prudent and seek wise counsel not only from GOD but from others who you know have their stuff together when it comes to finances. Don't seek advice about how to structure your budget from a working parent of a two income household who is drowning in credit card debt! Go to someone who's been there where you are now, perhaps a fellow member of your church, or perhaps it your own Mom!

5. You must be deliberate, not hasty. When it comes to living on one income this is important. You cannot make hasty decisions when it comes to your money or your time. Talk it over before you buy anything or schedule anything. Once you work on a budget, your not just done with it. Its a continued process, just like your schedule. Your time must be handled carefully also. You may make the mistake of thinking because you will now be staying home, you'll have more time..trust me that couldn't be farthest from the truth. So consider your time spent carefully. Before you schedule that dance class for your daughter on a whim look carefully at what time of the day it falls...is it right around dinner time? Husband decides on a dime to have appetizers with the buddies after work without talking it over with you first? Things like that can really through a wrench in your schedule.

6. Full disclosure. Talk about everything with your spouse, everything. Even the lunch date you have with your girlfriends or the cute shirt you saw and thought about buying. Full and open disclosure of every cent spent is necessary when you are first starting out. Because see most people who have two incomes sometimes spend extra without really talking about it with their spouse simply because they think they can cover it with their income.

7. Stop being a consumer! Start being a producer! You must turn away from the old ways of figuring out how to get more stuff and start figuring out how to produce a meaningful and lasting legacy for your children and YES it can be done on ONE income. There are so many frugal ways to buy the stuff you need and even the occasional thing you want in a frugal manner where you don't have to break the budget and you will actually get ahead more so on one income then when there was two!

8. And this may be the most important yet the hardest one to do. Be CONTENT. Stop comparing your house to the one down the street. Stop wishing your had a newer car, or nicer clothes or a new pair of shoes. Just be content in whatever situation you have and live and make the most of it. Once you start doing that and maybe even trying to give some of it away you'll find that living on one income is so easy!

Oh and since you will be staying at home now...consider homeschooling those kiddos of yours huh?:) Okay did I go to far?? :)

Okay next Friday Im posting more about transitioning from a two income to a one income household. Come back y'all!