NECKLACE FRENZY

Been on a roll . . . Just wanted to share the fun with you!! My facebook page has taken off! I am SOOOOOOOO glad. I adore my job!!

When I make a tag I like it to be crazy and beat up, a little off kilter, because that is life. But the people stamped into that crazy beat up life make it so beautiful.

Enjoy!

Here is the link to my page! Feel free to join me and place your order or just tell me what you would like to see!! Thanks so much!!
http://www.facebook.com/?ref=tn_tnmn#!/Perfectly.Imperfect.Personalized

It's Obvious I Will NEVER be great at blogging ;)

Welp, surprise, surprise it has been a month or two or three since I have gotten on here . . . once again. BLAH.

BUT . . .

Life has been grand!! We have still been going Dave Ramsey debt diet strong!! Over 20k paid off since last November!! It really has TRULY changed the way we spend.

Wow, a lot has happened in these last few months!! We are down to a couple loans left and the house. Our goal is to be COMPLETELY debt free by the end of the year!! I SURE HOPE SO!!

We put our house up for sale, and we have a 60 day contract on it already. woohoo, it's your birthday, not really, but let's party anyway. I am STOKED!! Pretty sure if we don't find a place to live though we will be camping in a box by the river. Positive I could make that look classy.

The kids are doing GREAT. Emmy is taller than my mom now!! Crazy! I was gonna say taller than me, but that happened when she was two. Again, not really, but she is really taller than my mom! She lives and breathes basketball so I guess the height is a grand thing. Libby is a water baby this summer. I bought a season pass and the first time we went she took a cot, the second time her pillow, and the third the fridge. Seriously, she MAKES us go everysinglestinking day. Season passes here are super cheap, $25 for the whole family! Love it, they swim, I read, everyone is happy!! I am expecting Olympic coaches to be calling by the end of the summer (I mean those HUGE goggles are a shoe in . . . I think). Harley of course is enjoying the swimming as well, but he has become a golfer. I don't understand it. Chase an itty bitty ball with a crooked stick all day long. We bought him a bag and clubs for his birthday. Tommy is loving it, because it is a terrific excuse to go golfing, "Honey, we are nurturing the boys interest." LOL

Tommy is still slaving away at Chesapeake, which he seems to like just a lot. He enjoyed the Dave Ramsey class so much that we facilitated at church that he is now doing one at work. We will do another one this fall at church.

I am still making necklaces and have a booming facebook page ;) http://www.facebook.com/Perfectly.Imperfect.Personalized. Check it out sometime. I really like doing this, it has allowed me to stay home with my babies!! Since Emmy is a huge basketball fan and the OKC Thunder is roaring, I had to make a couple necklaces for her! Enjoy and you can see them and others on my facebook page! Perfectly Imperfect Personalized.

Perfectly Imperfect Necklaces

I just HAVE to share my new hobby ;) So fun! You can check them out on my facebook page: Perfectly Imperfect Personalized Necklaces (say that fast fifteen times). When I make a tag I like it to be crazy and beat up, a little off kilter, because that is life. But the people stamped into that crazy beat up life make it so beautiful.

Hope you enjoyed them!! There are lots more on facebook. You know, that other place besides pinterest you waste your time! Maybe that is only me ;)

I felt like every last part of me was smiling!

It is Oklahoma, tornado country, and I have felt that lately. Flung this way, then that, up, then down. Plans change and change again. It's all good though!

We have had a couple of fantastic sermons lately at church that have really hit home for us. I want to share just a couple of points of those, then I want to give you all a debt update.

Our youth pastor gave a sermon on integrity. It was AWESOME!! Integrity = your behavior matching up to what you believe.

How you act when no one is looking!! Integrity demands sacrifice. There will be times you are tempted to do what you KNOW is wrong. You will give yourself reasons like 'it feels right', or 'it's my business and no one elses', or 'no one will know', or 'i deserve it', the list goes on and on. What you decide to do at that moment will determine what your integrity is worth. Integrity=beliefs. So if you decide to take a ladder from work (because they never use it and you sure could), your integrity is only worth a $40 ladder. Seems life awful cheap integrity. If you decide to have an affair or to lie or to kick the neighbors dog, you just devalued your integrity. You devalued your beliefs. What do your actions say your integrity is worth?

This sermon was a tough pill to swallow. It makes you check yourself! Check your beliefs! Check your willpower! Check your self worth!

The benefits of integrity are amazing.

1. Closer walk with God. If you are trying to live right, you WILL be closer to God.
2. Built in guide for life. Do right ALWAYS.
3. Constant peace in your heart! How awesome would this be?? To walk away knowing you did right!
4. Gain trust, respect, honor and influence. People love a person with integrity.

I took good notes. It was an awesome sermon, even our thirteen year old daughter pondered this for days. She wrote the word integrity down and circled it, and circled it, and circled it. I pray it still runs through her head ;).

It is never too late to start over. God forgives, so do godly people. I saw a great sign it read: For what it is worth, it is never to late to be whoever you want to be. I hope you live a life you are proud of. And if you find that you are not, I hope you have the strength to start all over again.

So start today, right now! Do what is right!

On to last weeks sermon, I labeled it Talking With God. It was probably called something a lot more creative than that. I am just going to give you the five points.  I am not going to discuss it much here. You will most definitely see the impact of it in our debt elimination at the end of this post.

1. Regular Prayer and Fasting. Regular means MORE than just Sunday morning! Everyday! Fasting is not between breakfast and lunch, it is for a full day or more!

2. Do what you can for the Lord right now. Help others!

3. Be ready to change directions on a moments notice.

4. Be faithful.

5. When God is silent work anyway.

DEBT REDUCTION


Remember those five points above. You better, it was just a few lines ago!

Our debt has been a big ball and chain for years. We have had opportunity after opportunity to eliminate it and have decided to go our own way instead. You know how it is new car, new house, new clothes, another new car, more clothes. We just couldn't seem to stop!! In our last debt update we mentioned that we had planned to pay off my student loan and put a roof on the house. Well . . . we did put a roof on the house.

The second and third points above kept popping in our heads though. 2. Do what you can for the Lord right now and 3. Be ready to change directions at a moments notice. Although we had yet to hear this sermon!!! Freaky, I know!!!

We had a roof put on the house, paid off TFCU and paid off a car. We ALSO bought a car for $1500 cash (money we had saved just for that). Now, it gets complicated, we paid off a car to help someone else out financially. That burden being off their shoulders was completely worth the student loan still sitting there. Why? Because we did what we were told. We did what we could for someone else. We changed directions at a moments notice. I have to tell you, I never felt so good. It really was an awesome feeling! I literally felt like every last part of me was smiling! I want that rush more than anything now! That is what is motivating me to get out of debt. I want to GIVE.

I am well aware that God has been the force behind everything that has happened to us and for us lately. I am very thankful. I feel overwhelming blessed.

The awesomeness just keeps rolling in, right along with the bad. We just CHOOSE to focus on the good. Give you an example:


Bad: I cried this week. Because I got turned down for a job! Lame, I know. I was just discouraged. I have applied here several times and everytime they give me a lame excuse for not hiring me, or no excuse at all. I know I have more education than some of their employees and I know I am smarter than some of them. So why can't I get a job here?? Why? What do these other people have that I don't? THEN, Poor Tommy pops off, "God just knows that isn't the place for you". Made me livid. I cry when I get mad. Completely caught him off guard. I mean I know that if God wanted me there I would be there. Stupid thing to say. I cried, he felt bad, so I felt bad that he felt bad, so I cried some more. Pathetic I know. He apologized, even though he did nothing wrong, because he is awesome like that. He then clarified and said that maybe I was too good and deserved something better. I so liked that reasoning better. lol You feel sorry for him don't you, but he loves me despite my spaz attacks.
Good: I have realized that I don't need a job. I am so very happy where I am in life. I started making some cool necklaces. I think they are cool anyway. Check them out on facebook, Perfectly Imperfect Personalized Necklaces. I have also been painting some. This has brought in some income, so I don't feel like such a moocher. I know, I know Moms work way harder than most full time jobs. I believe that, wish I could get a check for it. God has given me a spastic creative gift and I am just now becoming comfortable with it. So here is to being content in life!

And OH MY WORD, this has been a LONG POST!! Just one more thing, bear with me!! Pretty Please!!

We took our saving guru children to the bank today to open up savings accounts!! How very cool is that! I then proceeded to embarrass them by asking the bankers, Kyle and Mary, to pose for a picture with them. I live to mortify my children after all! I am just super excited that they may not have to live like we do with money someday, that possibly they will learn from all this. One proud momma!!

Look at Harley's smiling face, bwahahahaha! All three kids opened savings accounts today! Thank you Kyle and Mary for tolerating me!

So keep trudging along, it will all be worth it someday!! Focus on the Good, Laugh at the Bad. Keep God at number one in your life!! God Bless!!

Forgive, Love, Have Mercy, Bestow Grace Anyway.

My mind is tumbling in turmoil. What do we 'deserve' in a marriage? Do we 'deserve' what we put into it? Do we 'deserve' what we get out of it? Do we 'deserve' anything?

I keep thinking about people who give up. I have been married once before, I gave up. I am madly in love with my current husband. We have been at those 'do we give up' points in our marriage too though. What do we deserve? Jeez Louise, that is HARD. In my opinion (read that little bit twice if you need to, this is an opinion), I don't think we deserve much. Do I want to be happy? Yes. Do I want to feel loved? Yes. Do I want to be respected? Yes. Do those things always happen? BIG FAT NO!!! If I am being honest I have been super great at making my other half feel unloved, unhappy, and not respected. A lot.

We are enveloped in a society that thinks they are entitled to what they deserve. I am a good person, for the most part, I deserve something that is good most of the time. Right? . . . NEGATIVE. I believe (an opinion again) that we are challenged daily. Challenged to love someone that at times is downright unlovable, sometimes 'time' drags on and on for days, weeks, months and years. But when we entered into this contract of marriage, it was between us and God. It is super easy to leave God out of the mix, because then we feel justified for doing what was right for 'us'.

Do I condone abuse? NO. Of any sort? NO. But just for the sake of the point let's throw some Jesus in there. Did he deserve abuse? NO. Any of it? NO. Why did he do it? Love, sacrifice, mercy, grace. All for us (the abusers). Have I been the abuser in a relationship? Yes. Have I been on the receiving end? Yes. It is a big fat circle. Abuse is a small minded term because Abuse can come in all forms, physical, mental, emotional, being lied to, let down. cheated on, ignored, neglected. It is most generally ALWAYS a two way street. A two way street most of us are guilty of driving on.
Our society also likes to label one sin (abuse) as bigger than the other, so that we feel better for what we do. To the good Lord it is all sin. I heard a fantastic quote, "Lord please help me forgive those who sin differently than I do".

If you enter into a marriage, or just learn it along the way (me), that divorce isn't an option. What are you learning: You are learning to give unconditional love. You learn to sacrifice what is natural for humans for what is right by God. You learn grace. Boy do you ever learn mercy. Unconditional love, WOW, I am not even sure we are capable of that as humans. When we are wounded by someone else's sin, we want retaliation, retribution, some sort of justice so bad. So bad that we in turn commit a sin trying to get just that. Trying to get what we think we deserve. We spit on the cross. GUILTY? I know I am. That cross is forgiveness and love. NO MATTER WHAT! no matter what????? You are kidding right, no matter what?! Yes, no matter what! God is committed to you no matter what. He forgives you no matter what. He loves you no matter what. He NEVER gives up on you no matter what.

Why are we so arrogant to think that we deserve something better? That we shouldn't have to walk the same path Jesus has walked. Why do we think that we should be able to treat our marriages, our children, our friends, our family any different than God has treated us? Because we are human! Fix it, become more God like than human. More forgiving, loving, merciful, graceful, forgiving, forgiving, forgiving. (yes I put that many 'forgivings' in there for a reason, WE HAVE TO DO IT A LOT, for A LOT of reasons (all reasons).

I am going to go with Mother Teresa, "Do It Anyway".

People are often unreasonable, illogical and self-centered: Forgive them anyway.
If you are kind, people may accuse you of selfish, ulterior motives: Be kind anyway.
If you are successful, you will win some false friends and some true enemies: Succeed anyway.
If you are honest and frank, people may cheat you: Be honest and frank anyway.
What you spend years building, someone could destroy overnight: Build anyway.
If you find serenity and happiness, the may be jealous: Be happy anyway.
The good you do today, people will often forget tomorrow: Do good anyway.
Give the world the best you have and it may never be enough: Give the world the best you've got anyway.
You see, in the final analysis it is between you and God: It was never between you and them anyway. 

Mother Teresa

Now I realize we can't all be Mother Teresa, but we can sure try. Never give up, Do it Anyway, even
when you want to give up. I also realize that when it comes to fixing a relationship that it really helps to have both parties involved in that reconciliation. Seriously though, we have a one sided relationship with God, He is perfect. YOU never will be, but that doesn't mean that He will give up. He WILL wait a lifetime for you. A lifetime. That means until death. You know when you quit breathing. A lifetime. All your life. He won't give up.


It is that last line of Mother Teresa's that gets me everytime. It keeps me in check. 'between you and God: It was never between you and them anyway.' When my day comes, I want to be able to say that I gave my marriage my all, my children my all, my family and friends my all. I know I will stumble. I know I will fall flat on my face, break my nose and have to walk around with two black eyes for the rest of the world to see. But I won't give up, because He won't give up on me, and it is between me and God.


Fine Print: the author of this is in no way shape or form claiming to be anywhere close to better than anyone else. As a matter of fact she thinks she is way worse. She has done things that are horrendous and unbelievable and ugly and well you get the point. She also realizes that there are people out there who will say "if that is the case, why didn't your first marriage last?" Allow me a moment for an excuse "I wasn't a Christian and I lived my life for me." I will be honest, it is an excuse. Flat out. But it is also the truth. AND God has forgiven me for that!! THANK YOU GOD! I am however a Christian now, and I won't give up ever again. I have God to help me now! I have faith in him to help me through absolutely anything. Forgive, Love, Have Mercy, Bestow Grace Anyway. Never Give Up.

Momentum Theorem- Debt Update

Never Say Never, bwahahahahahaha. I was just telling everyone how it takes me a month between posts to write again. I have even had a post about sucking at posting. I NEVER HARDLY EVER write more than one post a month. Well guess what, I am going to write two in a week!!! Take that my underachieving overactive imagination.

The Devil has been toying with Tommy and I at every imaginable time possible lately. We got excited about our tax return. Our homeowners insurance on both houses decided to cancel on us. We got ahead. Everyone in the house decided that the local Dr's and emergency room needed some financial help. We have felt amazing spiritually. Physically everyone of us has been broke down. Seems like I am being a tad bit of a whiner, bear with me though. You see everyday something has happened that we didn't plan on and we definitely didn't like. BUT. We have been living by faith. By that I mean, we have been believing not that God can do it, but that he will. You see, the insurance cancelling hasn't changed our plans one bit, we have faith that we will find replacement for both houses in time. We will still put the roof on and pay off the student loans. The Dr's visits and emergency room didn't put us behind because we have been faithfully following our budget, and there was money there for emergencies. Physically we have all recovered. I guarantee you that it is because of our spiritual health though.

I want to focus on something else for a bit: Momentum Theorem
I actually saw this written on a tablet by Tommy's computer. Which I am typing on because mine took a nosedive off the black screen deep end and has yet to recover. Stinkin devil.
Anyway, Momentum Theorem. Here is how it goes (insert drum roll) Focused intensity over Time Multiplied by God equals Unstoppable Momentum. This awesome little theorem was on one of Dave Ramsey's Cd's. Explains a ton of the genius behind it. To top it off it is pretty self explanatory.

Focused Intensity

Setting goals and working your hiney off = Focused Intensity. You HAVE to set some goals. Lots of goals. When we first started this journey toward debt freedom our goals were smallest to largest. As in smallest debt to largest. Sell this, sell that, find a way to make a little more money, QUIT WHINING about your current situation if you aren't willing to do anything about it!! That last one was my goal!! Proud moment!!! Listen though, we set those goals with the realization that we were going to have to really kick it into gear!! I mean seriously kick it in high gear. So we sold, and McDonald's was no longer my best friend, and we learned how to be a tad more content. We sold the Tahoe, the motorcycle, the pickup, stuff in the house and outside of the house. We quit using even our debit card!!! I KNOW!!!! CRAZY!!!! Only cash!! It was HORRIBLE!! And it has paid off AMAZINGLY!! Because of those little sacrifices we have seen absolutely astonishing results. We have paid off over 12k worth of debt since Nov. 4th of 2011. In about a week that number will go up to 19k and we will also put a roof on our house. We have focused intensity down!!!! We are doing what we can take that up a notch.

Over Time

Whew, wait for this!! Exciting stuff. On the Dave Ramsey website they have a debt snowball tool. I know there are other places on the web with that kind of tool as well. You input all your debt, payment amounts and interest rates, and out pops how long it will take you to pay it off. We put all our info in in November. Out popped a date of three years later being debt free!! Three years!!! Mind you this doesn't include the houses. Still, three years! I couldn't wait that long (patience is not one of my strong character traits). So we did the above and sold and I worked a few evenings and our three years has turned into less than a year and a half. In half the time of the original time frame (I am hoping for half of that ;)) we will be screaming that we are debt free. Over time. . . I have learned that you, with God's help can change what should happen into what could happen. It's amazing, I promise.

Multiplied by God

Let me just give you a run down of only a few things God has done for us since Nov. 4th. I say for us, but I think you will be excited what he is doing for others as well. We started this because of one of Tommy's co-workers. He and his wife are burning through the Dave Ramsey plan like a wildfire out of control!! They lit a fire under us! SO THANKFUL for that. God worked through them. We have paid off 12k (I know I am like a broken record). Because of that we have been able to give! We have been able to give the gift of financial education. Our church is going to have a Financial Peace University. We have been able to sponsor a little girl, send her and her family Christmas. We have been able to be content. We have been able to see that our plans were WRONG and by following God's plans we have been beyond blessed. We have Faith like never before. I haven't had a job in two years. Being a mom became a priority two years ago. We had a lot more money two years ago and a ton more debt. We live on half the income now, yet because of God's multiplied blessings, we live with almost no debt. We are literally over halfway through our debt snowball, and I give all the credit to God. We have had checks come in the mail from strangers!! Strangers!!! Do you even know how much God loves you, how he sees your struggles and wants to help. He WANTS to help!!!! I just can't get over the amount of help he will give to people.

Unstoppable Momentum

I know you have all heard most of the above before, but you need to hear some of it again. God uses us to help others. We aren't supposed to throw all our eggs in a basket and then hoard them. They will just rot and you will get sick. If you share, bless others, you can 'feed' a ton of people. Let me tell you, you benefit by that. As I have told you our church is hosting a financial peace class. The class costs around $95 to attend per couple, but because of sponsors, the class was only going to cost about $25 per couple. Get this though, Tommy called me this morning and said he was handed a personal check for $1000. They wanted to help so that no one would have to pay for this class!! Now you tell me that God doesn't work for his people!!!! How absolutely awesome is our God!! How awesome is it that there are amazing people out there that are willing to follow God's principles and that they not only are able to give but receive God's blessings

So keep that equation in mind Focused intensity over Time multiplied by God equals Unstoppable Momentum. Fi/TxGod=UM

Focus on whatever you need to work on in your life that is pleasing to God, do it with intensity, believe and have faith and through God and you will be Unstoppable!!

God Bless

Gifts and Surprises- Debt Free Update

WOWEEEEEE!!!

Never ever never ever never underestimate the power of God.

Tommy and I decided to sell the house. It is a small 2 bedroom, 1 bath home, 17 miles from our kids' school and his work. We believe we need to be closer to that area and that the rest of us deserve to use the bathroom on occasion, not just the teenager. So on the market it goes. We have looked at quite a few houses already and really have our hearts set on one in particular. We do know that we have to sell ours first. The waiting game has begun.

To top it off it is tax season!! GRRRRRR. I never enjoy tax time. We try every year to adjust our w4 so that at the end of the year we aren't hit with some lovely taxes owed to the even lovelier government, but it rarely works in our favor. Here is where it gets good . . .

Tommy listens to a Christian radio station every morning on the way to work. Every morning this past couple of weeks the radio host has challenged its listeners to say one simple prayer, adding nothing to it. He prayed, "God surprise me." That is it, but get this, Tommy only did it once!! One time, because he is obedient like that. Just kidding, kinda. He didn't tell me about this prayer until after I did our taxes.

On a cloudy, rainy, super cold and blustery day, I sat preparing our taxes. Okay, okay, it was sixty and sunny with no wind which is weird for Oklahoma. I think you understand why I used the first description though. I am itemizing like a mad woman, filling in those grueling tax forms and praying the entire time that we were going to be blessed. I could here the music from Jaws creeping into my mind, but with some lyrics. "Hosanna, Hosanna, Hosanna in the highest." Seriously people, once you get to know me that won't be so odd. Anyway, back to the task at hand. I finished the forms and was SHOCKED! So I checked them again, and again, and again. Three more times I looked at the numbers. Then I hollered at Tommy and said, "You are not going to believe this!! We don't have to pay in a dime this year! But honey, that isn't the unbelievable part, we are getting enough back to pay for the roof, and to pay off my student loans!" I think he thought I had been possessed. I think he was hearing the Jaws music too. I have an overactive imagination though, so he was probably just surprised.

Then he told me about the prayer. All this time I thought it was my skills. It was God!! Only he can produce miracles and that is exactly what it was.

We will pay off my student loans, put a new roof on this house, and all we will have left besides the mortgages is the car! The car was actually in our plans to pay off first, God has a way of changing our plans for the best though. The amount we will receive back this month is almost on the money to pay off those two things, and we don't believe that is a coincidence. We will still pay off the car in the next few months. We are super excited to do that, as it will be a blessing to others as well (I will fill you in on that another time).

Our church is hosting a financial peace university, and Tom and I get to be involved. We so want others to see that by following God's plans, everything falls into place the way it SHOULD be.

The Bible actually says, The borrower is a slave to the lender. Proverbs 22:7 I don't want to be a slave, I want freedom. Freedom to live like no one else and give like no one else.

Speaking of giving. We received a note in the mail. I am in tears as I type this, overwhelmed at the love of others to give. They sent us a handwritten note, blessing us for staying on track, praying for us, encouraging us to keep with our goal for debt freedom, and writing US a check to help. WOW. I don't know that there are words to thank people like that. How do you thank someone who, although they barely know you, they give unselfishly to you? I send them my prayers, thankful that God has sent us yet another gift and surprise, and knowing that God will give it back to them more than they could imagine.

So here's to those that give, and here's to those that receive, but mainly here's to those that glorify God because of it all!!

Just a few Canvas Shoes! ;)

Love painting canvas shoes!!

Some acrylic paint!

And then a coat of sealer!

Easy Peasy!! Super fun to do them for family and friends that want a unique look!
I also paint leather boots, read farther into the blog for them, but be prepared, they are bright and crazy!!

ART, ART and more ART

Just more paintings done to avoid laundry and ignore stress or at least relieve it!!

Big Daddy T's birthday present. The kids all wrote down five things they loved him for and I painted a bike and then painted their thankfuls onto it. He loved it and we love him!!

Serious obsession with color!! Looks super duper cute in a zebra print frame!!

The shark is just motivation to just keep swimming through life!

pretty for a nursery.

I copied a pinterest painting I saw. Wonderful quote.

It is HUGE! and different.

over 60 inches in length, four canvas to make 'fluffy's sister'

Got SWAG ;) This one was super fun to do!

Crayon Art Madness!!!

I am a tad addicted to pinterest. I find fantabulous ideas and HAVE to try them. I came across the super fun crayon art craze and thought I gotta give it a go!! So much fun, so easy!

Here is how it is done: 1. Protect your surface this can be messy! 2. Grab a cheap canvas.  3. Hot glue crayons to board wherever you want them. 4. Use a hairdryer and melt those puppies! This step takes a bit of time. So be patient. If you have a handy dandy heat gun it will go faster. Just have fun with it!! I tilted the canvas against a chair so that the crayon would melt in the direction i wanted.

Here are a few pictures of our fun!! The flag one at the bottom, I used an iron to flatten the crayons first (make sure you put some foil between the iron and your crayons), then i used the hair dryer.

Have FUN!!!

First go at it, not to shabby!

Little bit's firecracker! She was the bomb at this project!

Little bit's "Blue".

This is my try at a heart, kinda nifty!

My favorite one! Melted crayon flag!!



Debt Update!!! Whoop Whoop!!

We paid off the house repair loan!!!!

Progress baby progress. We started paying double on the car this last month, so hopefully that $8000 will be knocked out in no time!! Then all we will have left (besides houses) is student loan and wells fargo!!

We have seriously been kicking butt. Once we started a budget and gave a place to every penny, things have just been amazing. Shocker, right?? We have also been able to give a bit this month which has felt pretty great.

Our bratty tat tats have become little savers.Their savings jars are filling up. We are probably going to open savings accounts for them pretty soon. This is money we will make them save for that car they are going to eventually need. I can just imagine how much they will save by then. Big Daddy T and I have agreed to do a match for that up to a certain amount. They are learning that in order to get paid you have to work. We only pay them on commission, so they HAVE to work to make ANYTHING! We used to just give them a few bucks here and there and let them do with it what they pleased. Now they have to put 10% in giving, and then split the rest between saving and spending. The results have been astounding. Little bit is a major shoe shopper and we seriously couldn't keep up with her "need", lol. This has been awesome in teaching her that she has to save for what she wants. She has actually bought two pairs of shoes herself with her spending jar!! I know!! I could hardly believe it myself. And all three of them get a major kick out of taking their Love (giving) jars and deciding who or what they are going to give it too. What an awesome life change for our children, to recognize others needs and to help fill it!! WOW!! It is an amazing feeling as a parent to watch your 8, 9, and 13 year old make those choices. It truly has been life changing.

We have a pink zebra print coupon book (thank you missy) that we now use as our envelope system. Nothing makes me happier than seeing my husband carry that in the grocery store. He's a real man, he can handle it. Besides he looks pretty trendy, zebra print is in!!

So, so far so good!! YAY

God Bless

Welcome to the 1%, That is if you DO IT!

And by DO IT, i mean get OUT of debt. Follow us on our journey of living within our means and less. How many of us as Americans actually do that? I know that in our family buying what we want has become a way of life. Then when the bill comes we have absolutely nothing to show for it.

I mean besides the added pounds of McDonald's takeout and our already outdated six month old gadgets. Oh and those lovely zero percent for six month statements. AWWWW, such a beautifully painted picture of wealth. SWEET! right? right? Come on admit it, the majority of you do the same thing!!

Let me give you some background (and please no pity, I already feel sorry for myself). We had a nice nest egg of debt! Some 10k in student loans (for a degree I didn't get). Credit card debt of a few hundred. Which was fabulous! I mean it was ONLY a few hundred dollars! We had become pretty great at paying off our cards as we used them. But that temptation was always there!! Because we have several department store cards, a Lowe's card, and more. And we used them! Especially Victoria's Secret!! I will spare you that though  (wink, wink). Just kidding people, but not really! Let's see we borrowed something like 10k extra when we bought this house. Sitting on a good 'ol card or what are those things (lines of credit). You know where you can always go back and get some MORE when you want to. We used it to fix (hahahahaha) a water problem in our basement. It still leaks, and the guarantee they gave us for five years has meant squat. Live and learn people. We have a car payment to the tune of money every month. I purposely left that amount out! Still have $8900 left on that! And then a 2nd mortgage on our current house. Still owe $9900 on that. Our mortgage, we owe 55k. Then we have an additional property in our name, which we owe another 49k. OKAY NOW, you can throw your pity our way. Just kidding again, although this time I mean it.

My husband has a good paying job. I quit my job a year and a half ago, because I NEVER saw our kids. We have three angels! Awww, angels! I hear them singing, the angels not our kids, as I write this. They are cheering us on!! Listen close you can hear them as well!! Go Tommy, Go Lacy, Be Debt Free, That is where You wanna Be, So you can GIVE, GIVE, GIVE to really LIVE, LIVE, LIVE. (You know angels say 'wanna' and not 'want to'). I don't know if you have noticed by now but I REALLY LOVE parentheses!!

So here is our rundown:

Credit Card: $575
Home Repair: $7036
Student Loan: $6565
CAR: $8960
(2nd mort): $9930
House: 49K
Another House: 55K

It is truly sad that it has taken me that much explaining to get to the point! We started Dave Ramsey's program. We have already completed baby step one: Got our mini emergency fund done!!! We have already paid off the credit card.  We have also already shoved another $1500 on the home repair card. We sold my husband's bike and the Ipad2 I so BAD wanted! Knowing that it WILL all be worth it. Listen this was all in the last couple of weeks!! (No my husband doesn't make THAT GOOD of money.) We are learning to live with less now so that later we can truly LIVE. We were spending an ungodly amount of money every month just eating out! It was ridiculous. I knew it was true because my sweat pants and I have a very close relationship since I can't fit into my jeans.

  We are trying to follow Dave's recommendations to a T!! We are still selling things, because I would rather that stuff be gone and my debt to leave with it. WHOOP WHOOP! We have a dual reasoning for all of this! We want to retire wealthy, I mean really who doesn't! But more than that we really really really badly want to be able to GIVE! Give and not expect anything in return EVER. How awesome would it be to be able to just give someone the money because you could. Because you care. Because you realize what it was like to be in that situation and now you CAN help. We are so gonna help a ton of people someday. So take that you negative nancy's out there that are saying they will never do it. We have bigger goals than money, we have better help than mere people (That would be the good Lord), and we have a boatload of determination! Watch and learn, or just watch.

We are on our way!! True it will take time but we are on the same page. Our kids are on board and are excited about Saving, Spending and Giving as well.

I took a couple of pics of our first couple of weeks . . . Enjoy!

Our kids helped us cut up all those cards!! It is freeing!

We are using the envelope system, because it forces us to live within our means! Something we need but everyone might not need!

The kids have three jars each! A Love (Giving) Jar, a $ (Spending) Jar, and a Jar with their initials (saving) Jar. They each HAVE to put at least ten percent of whatever they make in their giving jar and then most of the time they choose to put half and half of what is left in the other two jars. We make them put at least one dollar in their saving jar each time they get paid.

Now to all you thiefs out there, that are thinking "I need to find her house so I can steal her wee little ones money." I believe in Jesus, and I own a couple of Guns. I will use JESUS AND THE GUNS. LOVES!!!

Artsy Fartsy

I paint to relieve stress, or to ignore people, or to avoid doing housework. And I think all of those reasons are FABULOUS reasons to do almost anything!!!

I might have a slight obsession with color as well, but eh, no one seems to mind. That or they are too nice to say anything. ;)