Words of Wisdom Wednesday

Back a few years ago once a week I posted a quote that I would come across that I would enjoy, amuse me, or move me. It’s time for me to continue this and reflect on what those words mean!

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Financial Peace University Week 1

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Our Kit for Financial Peace University

 

As part of our goals for 2015 I wanted to sign up and do Dave Ramsey’s Financial Peace University. It took me a while for me to find one that wasn’t all the way across town (which means a hour a way). But I finally found one!

We attended our first class last week and although it was a short class I really enjoyed it. Our first class was titled Super Savers. Dave Ramsey provides a brief overview of what we will be doing over the next 13 weeks.

One of the major points he discusses is Baby Step #1: To Build $1000 Baby Emergency Fund. He also discusses that money is amoral meaning that the money is not good or bad it is the person wielding the money that is good or bad.

Our homework after this class was to read Chapter One out of the book we received with our Kit, Dave Ramsey’s Complete Guide to Money. In this first chapter there is a lot of valuable information, like the 3 things we need to save for. Do you know what they are? Dave also talks about compounding interest which is giving DH the most trouble… Hopefully next class he will get some enlightenment. I have found sometimes it is almost pointless for me to explain things to him…

to purchase Dave Ramsey’s Complete Guide to Money just click on the picture.

I am really excited about Financial Peace University and the accountability that will come along with it. I am ready to change our lives. I am ready for Robin and I to get on the same page and build a solid financial foundation.

Have any of you done Financial Peace University? What were your takeaways? Did you enjoy it?

* The page contains affiliate links.

Baby Step 1: $1000 to Start an Emergency Fund

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As stated by Dave Ramsey:

” An emergency fund is for those unexpected events in life that you can’t plan for the loss of a job, an unexpected pregnancy, a faulty car transmission, and the list goes on and on. It’s not a matter or if these events will happen, it’s simply a matter of when they will happen. This beginning emergency fund will keep life’s little Murphies from turning into new debt while you work off the old debt. If a real emergency happens, you can handle it with your emergency fund. No more borrowing. It’s time to break the cycle of debt!”

We have had our fair share of unexpected events pop up so I know how important this is. Like for example a few months ago I had to replace two tires because of nails.. one tire had 13 nails in it!! Our neighborhood is still under construction! It sucks!!

As of right now we have $423.63 in our emergency fund which means we have $576.37 to go. My goal is to have this completed by the end of January.

I’m working what ever avenues I can to accomplish this by or goal if not sooner. All weekend I listed clothes (smocked outfits from Anja & Alexander) on  Facebook and selling them. Hopefully I can get more sold this week.

Are you working on any of the baby steps?

100 Days of Real Food Week One

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Our first mini pledge in the 100 days of Real Food Challenge was to eat 1-2 fruits and vegetables at every single meal. This first weeek was great because it was helping us to build a healthy and stable foundation. Adding vegetables and fruits wasn’t very hard for me or Monkeybutt (we love them) but it was a bit more of a challenge for Robin. My challenge has been to cook the vegetables so that Robin will eat them!

I raised our monthly food budget and cut our budget in other places so I could puchase as much organic product as possible. Organic product is recommended and local sourced if available. I am planning on joining a CSA come Spring time (which will give me the opportunity to get locally sourced fruits and vegetables).

A few of the meals from this week

 

For Breakfast I had bagels with fruit on the side and if Robin ate breakfast he ate a banana. Friday morning I made a fabulous Veggie Bacon quiche. It was super yummy!!!

Lunches I packed us salads with tomatoes, chicken, and cucumbers. Also a few days I had cucumber sandwiches.

I love to cook so I had more fun with dinners. We had salmon with asparagus and sweet potatoes, homemade chili, chicken & vegetable casserole and homemade pizz. Don’t worry you can’t tell fom the picture but the pizza has tomatoes, mushrooms, onions and peppers.

I think overall the week was pretty successful. We have some work to do with breakfast because typically we only feed breakfast to the kids so that has been one of the hardest challenges. However I know we will be healthier and feel better if we eat a good breakfast in the morning.

I have already meal planned for the next week and have included vegetables with at least dinner and I’m trying to incorporate fruits and veggies in all meals. Yesterday I prepped fruit & yogurt for breakfast, salads for lunch for the week, and made Crockpot Gyros with fresh Tzatziki.

Week 2 of the challenge is to drink only real beverages: coffee, tea, milk and water, sweetened only with honey or maple syrup. No sodas, no sparkling waters, etc. Thankfully I am on day 12 of no diet coke so this coming up week wont be too bad.

 

 

2015 Goals

New Year 2015

As I was perusing Pinterest( as normal) I cam across a pin about goal planning. The pin was from Going Reno. I loved how she did her goals by focusing on one buzzword/focus. You can go see her post here.

Here is her blueprint tat we used to help form our goals.

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Our buzzword/focus for 2015 is rregaining control. We made the choice over two years ago to become business owners since then I have felt (as well as Robin) that we have lost control of everything this is the year we make a plan and regain some of the control.

Regaining control leads to our one big goal which is to live a more intentional and simplified life. Living intentionally means many things to many different people. Alexa on Single Mom’s Income post defines it best “It’s about living life on your terms without worrying about what anyone else thinks. Living intentionally is about being true to yourself. It’s ignoring the fads and instead doing the things that make the most sense for you and your family based on your principles and values. As we enter 2015 we want to simplify our life and live more intentionally by focusing on our family.

The next step in the pin as you can see above from Going Reno’s post was to make goals for family, home, health, money, work and calling. We ended up editing this a bit and added one for the kids as well.

Our goals for these various sections of life are:

Family: To have more family time. To take the kids to the zoo, Children’s museum and park without technology and to spend time with our ever growing kiddos. (They grow way too fast.)

Home: To simplify and purge. Our eventual plan is to sell our house and move into a smaller apartment. So we want to continue selling and donating things we don’t need.

Health: To participate in the 100 Days of Real Food Challenge and cut out most of the processed food in our daily lives.

Money: To focus and speed up our debt snowball

Kids: To teach them that the people around them are more important than the things around them.

The last step was to think about…

  • a habit to make-for both of us to work out
  • a skill to learn- for Robin mechanics and for me sewing
  • a habit to break- snus for Robin and diet coke for me
  • Books to read- 3 books for him; 75 books for me
  • Somewhere new to go- New York

Some other goals that we have set are:

  • Make $6000 in Side Income- I am multiplying my goal last year by 6. I know this is a huge jump but since I am now selling Younique. I think this is easily doable. In addition to selling Younique I am hoping to open my own etsy store to sell homemade laundry detergent, dish detergent and other homemade items. I am still planning on continuing to purge clothes and sell them on Poshmark and where ever I can. I am hoping to continue to sell what books I have left on half.com ( I have pretty much switched to iPad for reading), participating in online surveys, possible secret shopping and advertising on my site. As well as affiliate linkes. Essentially we need to make $500 each month!!
  • To save money in our baby emergency fund-Dave Ramsey says to have a minimum of a $1000 in a baby emergency fund however for a rainy day and because we are self employed  I want to have $1500 in a baby emergency fund.
  • Eat at Home at least 6 days a week. We have a horrible habit of eating out although it’s gotten better since I started meal planning but I’m hoping to continue to improve. In addition to eting at home more we are also going to participate in the 100 days of Real Food Mini Pledges.

What are your goals for the new year??