Tuesday, February 28, 2012
Like No One Else
I had written: "May we live our lives differently, within our means, to be a testament to ourselves, to others, and to our future children about how to handle our money in order to have a secure financial future. May we use or finances to the glory of God." I'm pretty sure that was my pre-Dave Ramsey way of saying, "May we live like no one else so later we can LIVE like no one else!"
___________________________________________________
When advised to budget, most people respond: “But I just don’t have enough money.” In fact, most of these individuals have a lot more money than they think; they just lack control of it. Making more money is not the answer. The sad truth is that if you’re out of control, no matter how much money you earn, you can figure out a way to spend it. … Bad budgetary habits, when applied to twice as much money, simply create twice as much havoc. – Unknown (I would add that sometimes when the income is around or below poverty level that income is part of the problem.)
But the thing is, [debt] is worse than obesity, because this is a problem that you can hide. It’s a problem that you can deny that you have. You can have a big fat lifestyle, and you can pretend you’re making a lot of money because you can just finance it and pretend that you’re going to pay for it tomorrow. So who needs this diet? Anybody who is not saving anything, anybody who is living paycheck to paycheck, anybody who is fighting with their spouse about money, and anybody who wants a better financial future tomorrow. — Jean Chatzky, as told on Oprah
The problem with Americans is that they act and spend as if they are rich before they actually ARE rich. — Economist interviewed in Kiplinger’s Personal Finance
Friday, November 18, 2011
Journey to Financial Peace - Part 1
Early 2000s. Financial Peace University [FPU] was offered at my then church. My concept of Dave Ramsey and FPU was that this class was for middle-aged families who had major financial difficulties, as in major credit card debt, mortgage, etc. Sort of like an AA for finances. For some reason, I just had that stereotype in my head.
2009. Nate and I decided we weren't happy with our finances. We didn't have what we considered major debt, but we just knew there were a lot of things we should be doing but weren't, such as saving for retirement, and we had no idea where to start. We got Dave Ramsey's book, "The Total Money Makeover," as a gift. We excitedly read the beginning of it, and then...stopped. Not for any reason, but I don't think we had hit enough of a "rock bottom" to feel desperate enough to change our situation. Dave Ramsey says, "you have to get mad." We definitely weren't mad at that point.
2010. Toward the second half of the year, I went through a period of unemployment. I have no idea how we managed without racking up a ton of debt. Our idea of a budget was to write down the bills that we had to pay, such as our loans, etc., and then to make sure we covered them. It was an attempt, but it certainly wasn't a very good way to go about it. So suffice it to say, we weren't budgeting at the time. Right before Christmas, I was offered a job, and we moved to Texas. You can read about all that here and here.
Early 2011. We hadn't been in Texas longer than a few weeks when we felt convicted about the fact we hadn't been tithing. It's embarrassing to admit, but we hadn't tithed faithfully pretty much ever. We put in a little here and there, but the 10% God requires as per the Bible, yeah, no. We didn't. I recently heard a statistic that 5-7% of Christians tithe. I could write a whole post about this, but I'll just say that that makes it easier to admit since we obviously weren't alone. Tithing has changed our world. It requires faith. And because of that, we have been forced to get our finances under control. It's been HARD. But God is faithful.
August 2011. Remember up there where I said we hadn't hit rock bottom? Well, in August, we did. Three weeks without work in addition to three planned (but not budgeted-for) cross-country trips? If we had been budgeting properly, we could have saved the money beforehand. But, we didn't. Because of our own
September 2011. We did our first real budget in September. That process is initially so hard. To scrounge up all of the info of where every single dollar you spend goes is, well, painful. But so worth it. I can honestly look back and say it was the hardest part. We also took an Equip class at our church about what the Bible says about how to handle money. Our new way of handling our finances was definitely not perfect, but we felt encouraged. I started listening to The Dave Ramsey Show hour-long podcasts, which helped keep us motivated. We researched more about the Seven Baby Steps (which we now have memorized), and we started saving for our baby emergency fund plus cost of materials for the FPU class at our church that starts in January.
October 2011. Nate and I finally understood how the zero-based budget works and wrote out our monthly cash flow plan. Thanks to bumming materials from an old FPU kit, we started using the envelope system for groceries, eating out/date nights, personal care items, vehicle care, etc. It has helped a ton to not just use the debit card for those things. Before if we had gone over our budget by $5, I would have just said, "oh well." Now, when paying with cash, I can't do that, and it really helps us stay under our budget. At the end of the month, we finished Baby Step One: the $1,000 emergency fund plus the cost of materials for FPU! We feel so encouraged. I started listening to the 3-hour-long Dave Ramsey show at work, which continues to inspire and keep me motivated to start Baby Step Two and our debt snowball.
November 2011. We wrote our zero-based budget/monthly cash flow plan at the beginning of the month, as we will continue to do. As we are right now, we are scheduled to pay off our consumer credit card debt by the beginning of March 2012, though we would love it if we could beat that. We have budgeted for a teeny-tiny Christmas, and we will hopefully be able to scrounge up some extra income in the next few months. Nate and I are so in-sync about this, which is apparently not the case for most married couples in our situation. I am so thankful for that. Our next goals are, in this order, to pay off: our truck, my student loan, our car, and then Nate's student loan. These are based on pay-off amounts (as the interest rates are all very close to the same). Right now it looks like it will take up to two years, but then we will be finished with Baby Step Two, and we can be DEBT FREE.
You can read all about Dave Ramsey and everything he teaches on his website, but just for quick reference, the Seven Baby Steps are: 1 - $1000 emergency fund, 2 - pay off debt using the debt snowball (except the house, if applicable), 3 - build full emergency fund (3-6 months expenses), 4 - invest 15% of income in retirement, 5 - save for kids' college, 6 - pay off house, and 7 - build wealth. Since we don't have a house or kids yet, we will adjust this to fit us as recommended by Dave. Having kids and buying a house will probably fall somewhere between step 2 and step 4, depending on how quickly we can pay things off and save for other things appropriately.
I know personal finances are a very private thing for most people, and since this is the Internet, I will not share tons of details. But, Nate and I are so excited about this. We are embarrassed about the stupidity and ignorance that got us to where we were, but we don't even mind talking about it because we are on the path to get out of it. I will continue to update on our progress, probably after we start the class!
Tuesday, February 8, 2011
Project 31: Day 16: Dear Ellie
Dear Ellie,
You turned just 11 weeks old yesterday, but I already know we are going to have a special relationship. I'm not your mama. You have a very special mama, though, and sometimes when I look at you, I know you are the spitting image of her. She has gorgeous red hair and a very genuine and infectious smile. Though I'm not your daddy, I'm your daddy's sister. You have a very special daddy, too. He was the best big brother a girl like me could ever have hoped for. He took care of me, and we were best buds. Sometimes when I look at you, I can't see anyone else but him in you. But I'm not your mama or your daddy. I'm your aunt.
Your mama asked me what I want you to call me. That's kind of a confusing topic as I am also going to be your nanny, starting on the day you turn 12 weeks old. I hope you'll eventually learn to call me Aunt Laura. Your mama came up with a baby sign for you to call me as soon as you can learn it. I don't really care what you call me when you first learn to talk. I'm sure whatever it is will melt my heart. I've never had a close relationship with any of my aunts (I've only met one of the three). Uncle Nate has two fantastic aunts who I really look up to, so maybe I can go to them for advice on how to be a good aunt. For now, I'm just going to be the best aunt I can be.
I'm not sure how long I will be your nanny. I'm not sure how long it will be until you have a baby brother or sister or a baby cousin to share my time with you. But I will always be your aunt. Always. I know I'm not your only aunt. You have some fabulous aunts on your mama's side. I hope you cherish the time you get to spend with them since for now they live so very far away. Aunt Becka, on your daddy's side, is pretty great, too, though you haven't met her yet. (She and Uncle Jonathan are getting married this summer, and you get to go meet them!) But I hope that you and I have a special relationship based on the foundation we'll have from me being your nanny as well. I am so looking forward to the times we'll spend together, much more than you can possibly imagine right now. I hope I'm able to teach you lots of new things and instill in you some lasting qualities. I don't feel qualified to teach you anything, but I believe with all my heart that God called me to move to Texas to be your nanny. I know that he doesn't call the qualified but qualifies the called. I know that concept is way over your 11-week-old head, but I pray that someday when you get to read this that you'll get it. I don't have to be "able" to be your nanny. God will give me the knowledge and skills I need. I just have to be available and faithful to be used by him.
There's one more thing I want to tell you. Among all of the important things your parents and I want to teach you, I want to be an example of beauty to you. That doesn't mean that I want to look pretty and wear fancy dresses and put on makeup every day and teach you to do the same. God made us all different on the outside, and I want you to learn to embrace your own beauty as you grow. Believe me, that is easier said than done! We're pretty sure you are going to have gorgeous red hair, just like your mama, aunts, and grammy. But whether you do or not doesn't really matter. We know you are going to be beautiful because you already are. But the part of your beauty that matters the most is your inner beauty. It's the part that is important to God. Your beauty inside shines through and makes you beautiful on the outside. When you play nice with your friends or siblings, it increases your beauty. When you obey your parents, it increases your beauty. When you talk to God, it increases your beauty. When you worship Him, it increases your beauty. I know you are too young to understand right now, but before you know it, or before I know it, rather, you will understand it all too well. I am so excited to see the beautiful baby, girl, young woman, and woman you become.
I love you, Ellie Bean.
Always,
Aunt Laura
Monday, February 7, 2011
Project 31: Day 15: Laura

Sunday, January 30, 2011
Project 31: Day 7: Melanie
Saturday, January 29, 2011
Project 31: Day 6: Jaded Beauty
Tuesday, January 25, 2011
Project 31: Day 5: Heart Alive
Day 5: Write a blog thanking someone who has made your heart come alive.
I cannot even read this day's title without thinking of a specific individual. I know most people will write this about their husbands or about someone else very close to them. My husband has made my heart come alive, but I did not feel as though I should write this particular blog about him. Instead, I chose someone else who has very much influenced my life. The wording "your heart come alive" instantly puts the song, "Alive" by Rebecca St. James. The following lyrics especially:
You make me come alive
I found the secret
It’s only when I let go of what I want in this life
You make me come alive
Ever since I was about 13 years old, I've been a huge fan of Rebecca St. James. Her music, devotionals, testimony, concerts, etc. have influenced me more than any others. I asked Jesus into my heart and accepted his gift of salvation at a very young age, but it wasn't until I was about 13 that I really came alive. I got baptized at 13, and my spiritual life grew by leaps and bounds. I started prayer journaling, as influenced by her, and my prayer journals are among my most precious possessions.
Though she's not someone I actually "know" or someone who will ever read this, I would like to thank Rebecca St. James for following God's path for her life. She's been singing publicly since she was 14, that's almost 20 years now. She stands for what she believes and holds to that very strongly. It is so inspiring. I wish I could go out for coffee with her sometime and chat with her about life, wedding planning (she just got engaged over Christmas), and God. She is truly an amazing woman of God.

But since I can't sit down with her personally, I will let this blog serve as my thank you. She gave me someone positive to look up to, a beautiful, talented, great role model for my young, impressionable teenage life. She helped me see that a relationship with God is really what makes your heart come alive. But it doesn't stop there. She has emphasized these points so much in the past 15 years that I should have them memorized. 1) Dig into the Bible. 2) Pray. 3) Grab all the Christian friends you can. 4) Get rid of the junk in your life. 5) Get involved in church. I did those things. I'm still doing those things. Or at least learning how to keep doing those things through all of life's twists and turns. I'm so not perfect, but I'm thankful that my Jesus is. He loves me just the way I am. He is the source of my joy and my strength. He makes me come alive. Thank you, Rebecca, for showing me that.
*These are pictures that I have taken of Rebecca and as such are my property. Please do not take them and use them for anything without asking me first. Thank you!
Thursday, July 15, 2010
Empathizing with the Pain of Loss
To think that Providence / Would take a child from his mother
While she prays, is appalling / Who told us we'd be rescued
What has changed and / Why should we be saved from nightmares
We're asking why this happens to us / Who have died to live, it's unfair
:: Chorus ::
This is what it means to be held / How it feels, when the sacred is torn from your life
And you survive / This is what it is to be loved and to know
That the promise was when everything fell / We'd be held
This hand is bitterness / We want to taste it and / Let the hatred numb our sorrows
The wise hand opens slowly / To lilies of the valley and tomorrow
[Chorus]
If hope is born of suffering / If this is only the beginning
We'd be held
This is what it is to be loved and to know / That the promise was when everything fell
We'd be held / This is what it means to be held.....






