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Friday, December 19, 2014

Our third child's first violin recital

I haven't blogged in a long time, and this may just be the motivation I need.  One of our children started taking violin four months ago and had her first recital last night.  I actually got to accompany her and her teacher which was fun, but I was the one who messed up.  Go figure.

Monday, June 11, 2012

The Stealth Bomber

This past Saturday night my oldest daughter (one of those people that you must always think two steps ahead of)  must not have been able to sleep.  Sunday morning as I was practicing an offertory for church my son came in and sat on the couch behind me and started talking.  "Mom, I had to go to the bathroom at 3:00 this morning.  When I was washing my hands and looked in the mirror, this is what I saw."  When he said that, I turned around to a dejected looking eleven year old boy with a blue handle bar mustache on his face.  WHAT!  Come to find out, she also got one of her other sisters.  As I sat there and lectured her, I started laughing because this was just too funny.  I could totally picture myself doing this to someone.  I just wish her timing had been better. Trying to get rid of blue marker before going to church is not fun.

Thursday, January 19, 2012

We're Debt Free!

This actually happened in April of 2011.  I'm not sure why it got saved as a draft in my blog instead of a post. I know it was a post before.  For those who have not read our story before, here it is.

I remember when my parents got out of debt. I was about six or seven years old, and they never looked back. They used only the money they had from that day on. Fast forward many years, and I was debt free too. I even graduated from college with money in my pocket to help me get started in life. For some reason though, I took a credit card just in case of emergencies.

A couple of years later I got married and stayed at home. Staying home took a lot of sacrifice on our part that most people would not even consider taking on, but we thought that our kids were worth the sacrifice. The only problem was that we burned through our savings and began using the credit card to make ends meet. (If only we had known then what we later not having so much taken out of my husband's check for taxes so we could make ends meet every month.) Every year with our huge tax refund we would pay off our debts and start the whole cycle again. A couple of years ago, I got really tired of this cycle and began praying that God would change things. I was really irritated with my husband for what I thought was irresponsible spending. The funny thing was that when God answered my prayer, I realized that I was just as much a contributor to our financial tightness as my husband was.
One day my husband came home talking about a new guy named Dave Ramsey coming on the local talk radio station. After a couple of months of listening to him, we began working on our baby steps, and my husband decided to order Financial Peace University. Because of the price, I was hesitant about ordering the class, but didn't voice my concerns because I was excited about my husband being excited about learning how to manage our finances. I'm so glad I didn't say anything in opposition to him. The class helped clarify questions that we had about the baby steps. Twenty-two months after we began the class, we have paid off $30,ooo--mostly vehicle loan debt. (During this time, the Lord gave my husband a pay raise, and provided a couple of at home jobs for me.)
I didn't realize how much it meant to our kids until we went to make our last payment on our vehicle. As the payment was going up in tube of the drive through line, my husband and I heard a spontaneous chant from the back. "We're debt free. We're debt free."

Not only are we debt free, but we plan to stay that way this time. Financial Peace University taught us how to do that. We learned how to start off with a baby emergency fund to keep us from having to crack out a credit card for emergencies. We also now know to save up for a 3-6 month emergency fund now that we are debt free. Not only that, but we have also learned how to prepare for the future and have a plan for our money instead of our money having a plan for us. Oh, let's not forget the budget and learning how to work together as a team was also something else we learned. We are now on baby step three and looking forward to getting a larger house for our family of six.

As a side note, the first baby step is $500 for people who have an income of $25,000 or less. Also, much of the same information used in Financial Peace University can be found in the book, The Total Money Makeover (also available at most public libraries.)

Monday, January 02, 2012

Our New Year

They say how you start the new year is how you will spend the year.  I surely hope not!  We went to bed early New Year's Eve and couldn't go to sleep....not good.  We woke up running late for church the New Year's Day...not good.  Our son put on a pair of pants two sizes too small on him, and one of our daughters could not find shoes that fit her...not good.
We finally made it to church about five minutes before it was supposed to start....not bad unless you are the pianist and song leader.  We stepped in the church building only to realize that our son's pants that he had changed into were one size too small...not as bad as the first pair.  They had looked better in incandescent lighting than they did in fluorescent lighting. I got up to the piano and was playing away before the official start of services when our two youngest daughters came up to me.  The very youngest had tears right under her eyes, and the next to youngest informed me that we had locked them in the vehicle....not good.   Evidently my husband, oldest two children, and I had jumped out of our vehicle and hastily headed for the church building.  My husband locked the doors with the remote without ever looking back.  The two younger girls said that they unlocked the doors, and the alarm went off, but they locked the door back after they got out.  Poor babies.  Good thing our church is small, and the parking lot is too.

On the bright side, we all stayed up late that night, having a great time watching Roy Rogers movies.

Pictures Taken Recently

Trial Run

Tuesday, December 20, 2011

Cinnamon and Cumin

My children love to have toast with sugar and cinnamon for breakfast.  The best and worst part is that they make it themselves.  One day they informed me that we were out of cinnamon, and I told them to remind me to get some the next time we went to the store.  Sure enough the next time we took a trip to Aldi, my son grabbed some cinnamon and threw it in the cart.  The kids were happy to have their cinnamon back on their toast.
 Fast forward about a week.  Imagine my surprise when my husband asked where the cinnamon was.  I told him it was right there in the spice cabinet.  "All I see is cumin," was his reply.  I got up to check, and sure enough that brand new bottle of cinnamon was cumin.  What I want to know is why didn't the kids taste the difference?

Tuesday, September 20, 2011

A Child Converted from Her Crush.

The other night our six year old got embarrassed about a crush that she had on a waiter at a local Mexican restaurant. Today we found this video she made of herself and her new take on boyfriends.

Sunday, August 21, 2011

Broken Connections

This week's theme for MCP 52 is "Connections." We have a portable dishwasher that hooks up to the faucet. The night before the photo theme was announced, the washer was going, but then I heard a WHOOSH and the sound of water splattering everywhere. The hot water handle had flown off and water was shooting out of its hole like a geyser. I got brave enough to take a picture the next morning although it is quite a tamed down version.