I have been thinking about how to meet our goal in 2010 of continuing to pay off our debt and I think we have to get back to basics. If you've followed me from the beginning, you may recall the 7 Baby Steps by Dave Ramsey. We are going to concentrate on the first two to begin with:
1: $1000 in an emergency fund
2: Debt snowball
We need to get our emergency fund rebuilt. Then we need to get going on our debt snowball again. This month we are focused mainly on getting caught up from December (the income that I lost from some DHS kids that weren't attending regularly and then from being closed at Christmas). So that is my first goal: getting our "four walls" current. The four walls are: home/shelter (house payment, utilities, etc), cars (we don't have car payments, but we do have insurance and vehicle maintenance), clothes, and food. So mainly we need to get all of our utilities and other similar bills up-to-date.
Sunday, January 10, 2010
Saturday, January 9, 2010
Ugh...frozen pipes
Well, our washing machine pipes froze up sometime in the last day or so. I'm just praying that when they thaw out that they are not busted.
My main goal for this year is obviously to continue on our debt repayment journey. To be honest, I've become really discouraged over the last several months. It seems like it has been 2 steps forward and 3 steps back. But I guess we wouldn't be anywhere now if we hadn't started and we have made progress, however small. Giving up is not an option!
My main goal for this year is obviously to continue on our debt repayment journey. To be honest, I've become really discouraged over the last several months. It seems like it has been 2 steps forward and 3 steps back. But I guess we wouldn't be anywhere now if we hadn't started and we have made progress, however small. Giving up is not an option!
Friday, January 8, 2010
Tired tonight
Well, this was an extremely long week being cooped up inside with all the kiddos. Tonight as soon as everyone left, I went to Enid to get groceries, picked up pizza from Pizza Hut using a gift card we got for Christmas (thanks Di & Dan!) and came home and vegged on the couch. This weekend I will start discussing my goals for this year.
Thursday, January 7, 2010
Somewhere along the line...
Somewhere along the line, I got off on my counting days. LOL. I have found one mistake, but I know there are more. I'll try to get it fixed, but at any rate, my 2 year "blogiversary" is coming up in a few days.
Anyway, a recap of 2009. It was a tough year. It started out with Tom's job cutting everyone back to 32 hours a week. It was supposed to only be for a couple of months, but now it's been over a year. In May, Serenity totaled her car. Thankfully, she was okay and that was all that really mattered. At the end of August, the van died, never to be revived again. We were saving up to buy another vehicle and had borrowed a car to use in the meantime when Tom totaled his car in October by hitting a deer. Thankfully, again, Tom was safe and that was all that mattered. We ended up getting enough money to purchase two new to us vehicles which was a blessing. Things were not all bad though. I finished my college credits and graduated in December. I'm really hoping this year is much better.
Anyway, a recap of 2009. It was a tough year. It started out with Tom's job cutting everyone back to 32 hours a week. It was supposed to only be for a couple of months, but now it's been over a year. In May, Serenity totaled her car. Thankfully, she was okay and that was all that really mattered. At the end of August, the van died, never to be revived again. We were saving up to buy another vehicle and had borrowed a car to use in the meantime when Tom totaled his car in October by hitting a deer. Thankfully, again, Tom was safe and that was all that mattered. We ended up getting enough money to purchase two new to us vehicles which was a blessing. Things were not all bad though. I finished my college credits and graduated in December. I'm really hoping this year is much better.
Wednesday, January 6, 2010
Day 735 and confessions
Well it's been a while since I've done any true confessions, so it's time. After going all of 2009 without any "courtesy pay fees" from the bank, we got two already this year, for a total of $45 and it was just stupidity on my part. Not really a great start to the year. We've also been eating out too much again, I have a tendency to not want to cook when I"m not working. So anyway, we are getting back on the straight and narrow and plugging along again. I've been planning and cooking meals the last few days. Thanks to some generous friends from church and a great sale on chicken last month, we should be set on meat for a while so that will help the grocery bill.
Coming up next, I will post a recap of 2009 and start establishing my goals for 2010.
STAY WARM!
Coming up next, I will post a recap of 2009 and start establishing my goals for 2010.
STAY WARM!
Tuesday, January 5, 2010
Day 731, 732, 733, 734, and really trying to get back on track
I swear I really am trying to get back on track. I've had the hardest time getting myself into a routine since I finished my college classes. I don't have to be on the computer as much, so I'm not.
So...I filled one of my openings. BUT...one of my drop-in's grandma lost her job so I won't be having him anymore for a while. UGH! Sooo frustrating. No news on when/if the Friday cleanings will start at Tom's job, so please keep praying for that and for me to fill my other opening.
So...I filled one of my openings. BUT...one of my drop-in's grandma lost her job so I won't be having him anymore for a while. UGH! Sooo frustrating. No news on when/if the Friday cleanings will start at Tom's job, so please keep praying for that and for me to fill my other opening.
Friday, January 1, 2010
Days 727, 728, 729, & 730 and the New Year
I just love New Years, don't you? It's such a wonderful day, a fresh start, a chance to get it right this time. I hope you all had wonderful and safe celebrations and I'll be back tomorrow to start sharing my goals for the New Year.
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