The Ebb and Flow of Finances – part I

There is a strange phenomenon happening here.  I am fairly certain that I am not alone in this. What happens when you feel like there could be a little wiggle room in your budget?

If you are like me, you start to feel a little relief and might even comment that you were able to put some money away into savings.  You forgot to knock on wood.  You didn’t have your fingers crossed.  You said it out loud!  And Wham…….that little devil gets busy.  Unlike the tooth fairy, this one is not bringing you ANYTHING!

It can manifest itself in a leaky radiator, a washing machine that won’t spin, a vacuum that forgot how to vacuum, an ice maker that no longer wants to be cold, or good ole’  Uncle Sam.  Taking care of it all is about as much fun as having a root canal but the end result is the same.  This is the real world.

Things break,  plans fail, people disappoint.  Life gets very lifey sometimes.

So, we have choices.  I have little choice in whether or not I take care of the problem.  Ignoring it is usually not an option.   What I can control is my attitude.  This is the hard part.  I can cry and complain. (I’ve done this many times and I end up with a stuffy nose and a headache) or I can choose to be positive.

So, what can I do?

  •  I’m trying hard to adopt the idea that money is like the tide.  It comes and goes.  At times I will have a surplus.  At times I will be pinching pennies.  Most situations, whether good or bad, won’t last forever.

So, today I’m working on adopting the attitude of Paul and trying hard not to fret over “things”  that are temporary anyway. ebb and flow

Phillipians 4:11-13 Not that I am speaking of being in need, for I have learned in whatever situation I am to be content. I know how to be brought low, and I know how to abound. In any and every circumstance, I have learned the secret of facing plenty and hunger, abundance and need. I can do all things through him who strengthens me.



It’s the Most Wonderful Time of the Year! (Set Your Goals!)

I LOVE the beginning of a new year! Henry and I chose January 1 as our wedding date because of my ridiculous obsession with it. I have this thing for new beginnings, when I feel that all things are new.   And I get to start new goals, a clean slate, and fresh start!

I don’t think it is isolated to the start of a new year. I love the start of school. I can remember even as a little girl the excitement of a new school year…..the new bottle of glue, the fresh notebook paper, the nice sharp pencils. Ha! That sounds crazy but I love everything about new things.

It is also this thought that refreshes me when I think of the blessings of the Lord. How I always need a new morning, another helping of mercy, a “do-over.” A verse that sticks with me is Lamentations 3:22-23The steadfast love of the Lord never ceases;his mercies never come to an end;they are new every morning;great is your faithfulness.

Big praise there!! Thank you Lord for new beginnings and then more new beginnings when I’ve messed those up too.

I am a list maker and a goal setter. I’m the person who reads blogs and ebooks about goal setting every year. I ponder on goals. I scribble goals. I finally come around to what I think I’d like to work on. According to many people who know far more than I do, Crystal at Money saving mom (who I think is my personal friend) and Zig Ziglar (Henry’s friend), the benefits of setting goals are astounding.

I had a little trouble going between goals and dreams as I whittled the pool and the RV off of my list. (Boo!) But this is what I came up with for 2016:

Goal #1 Spiritual Goal: To live as if living for the Lord

My plan includes: Faithfully doing a daily Bible study, Joining a midweek Thrive class at my church and taking the kids to Kidzpointe, Hosting a once a month friend group to grow Christian friendships, making Sunday a day of rest

Goal #2 Family Goal: To grow closer

My plan includes: Making sure we eat at least three meals each week SITTING DOWN together, Having a date night with Henry at least once a month, either Henry or I having at least an hour of one on one time with each child each week

Goal #3 Health Goal: To feel and act with more energy

My plan includes: Read books that inspire me, Focus on a positive attitude, Walk at least a mile each day, implement healthier eating habits

Goal #4 Financial Goals

Our plan includes (this is a team effort): using cash for most purchases during the month, saving at least 3 months expenses, replacing Henry’s vehicle, and continuing to fund at least one vacation this year

Even cash envelopes look more appealing with pretty titles!

Whew!! So….I have a lot of work to do. What’s that they say? A goal that is not written down is just a dream! I HAVE GOALS!

Happy New Year!!!

Winning Christmas Presents

I probably do not want to know how much money I have spent on presents that were tossed to the side and never looked at again.  They usually can be found later in a pile with parts of tape and wrapping paper still hanging on!

This year, I felt like I knew the girls a little better and they have more definite likes and interests.  Compared to years past, I didn’t spend as much money on Christmas gifts.  However, we got several things that seem to be a big hit with the girls!

Most of my purchases were made on amazon.  I LOVE me some Amazon Prime!  One of our favorite gifts that the whole family is enjoying is the Winning Moves Tile Lock Scrabble that we got.  We have played it multiple times a day.  The twins can’t spell well yet so playing with them might make you want to throw it through the front window   requires a little patience. 🙂  It is especially fun for LG.  Henry and I may or may not have played a game alone after the kids were in bed last night.  I told him that we were going to make awesome old people!

Hands down, the most favored gift of all the girls is a cardboard box!  Shocker! This Easy Playhouse
actually comes in the form of a playhouse and it has been a HUGE hit!  The girls love them.  I ordered them back in the summer when they were on for $19.99 but I would probably pay amazon’s price now that I know how much they love them.   They have decorated them and love to hang out in them with their toys and play.

Of course, we had to throw in some babysitters  electronic devices.  But once again, amazon came through with $35 kindles.  Henry downloaded a program called Freetime (also from Amazon) which allows him to set a time limit, as well as an on and off time.  This has really taken care of the five more minutes that some kids (not mine, of course) might argue about.

 So, it’s time to begin my Christmas shopping for next year!

HO, $ HO, $, HO $

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