Sunday, June 30, 2013

Week 7 Update......

Getting closer.....and closer.......

Well this week has most definitely had its challenges.  I started my new job a week before last but had my first overnight shifts this week.  Holy moly.....My husband has been great with the kids and letting me sleep.  But my house looks like it exploded.....Clothes....dirty dishes...you name it.  

The upside is that I have already gotten my first check.  Yay!  Playing catch up is really nice.  In spite of the "extra" money, we did not shop for any extra stuff or go out to eat a ton.  We did eat out once this week as a family and I had lunch with my sister.  Other than a pedicure, which let me tell you, was necessary (can you say sore, cracked heels?), nothing extra. 

Can I tell you how huge this is for us, for just a moment?  It is really huge.  The hubster and I are both shoppers.  We shop when we are happy, we shop when we are sad, we even shop when we are mad. One HUGE gain for the Smith family.  I think I already said it was huge.  But really....It was huge.

So to give the gory details....Still no money in savings.  This will change next week.  It has to.  We paid off another $321 dollars in debt.  We didn't add any new debt and kept our spending under control.  As tiring as this week has been with the new schedule, it was a satisfying one for sure.  

    
                                      

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Friday, June 21, 2013

H54F




1. How crazy is it that I love to see updates come up on my phone??? Sorry, folks. Call me crazy. But it makes me smile every time! 2. I got my office nice and clean recently and am feeling uber appreciative of my Thirty One totes at the moment. Cute and they hold EVERYTHING! 3. Along with my hubby's birthday, the Army celebrated their birthday last week. Yet one more opportunity to thank our military personnel. 4. We got a new faucet this week. Our last one had a mini explosion. 5. Feeling blessed to be living back in Colorado. We have had (and still do) had several wildfires, yet our state pulls together and gets it done! Thank you firefighters, police, military and volunteers for keeping us safe. Have a great Friday folks!!! Talk to you soon and thank you for reading.

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Wednesday, June 19, 2013

Bloglovin

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Tuesday, June 18, 2013

Hope I win!!!

Entering at House of Rose to win some awesome blog advice! Keep your fingers crossed!!!!
www.houseofroseblog.com/blog-advice-giveaway

Sunday, June 16, 2013

Week 6 Update......

Well week 6 is over.  Finally....This week has had some added stress with the fires close by our house. We are so fortunate as over 400 homes were lost in this fire alone.  So very sad....

All of that to say, I start my new job tomorrow.  I am happy for that.  FINALLY, I can start bringing in some money.  We have still done really well this week as far as buying extras.  We have only spent money on bills, food and gas.  That is a big step.  I don't think we've gone quite this long without caving in the past.  We are doing well, sticking with our budget too.  Now if we could just get that $1,000 in savings....... Soon.

We are waiting for payment on the odd jobs that we recently took and the money for selling things is no longer coming in.  Once my husband gets back from his business trip, it will be time to set down again and reevaluate priorities.  We still have some catching up to do.  About 4 more weeks and we will be at water level, instead of below.  Can I get an AMEN????


The Cut Up Party Hostess..........


This week too, I pulled all of my department store credit cards out of my wallet and had a cut up party. I was surprised that when I pulled them out, I was actually hesitant.  I know that we have not been disciplined with them and I know that they needed to go.  But, honestly, a part of me struggled to pull them out and cut them up.  That may sound strange.  To have some sort of attachment to my credit cards. I would venture to say that I am not the only one who feels this way.  If I was, we wouldn't have the debt that we do in this country.  Not only do the cards give us some imagined buying power, but they are also almost a status for some people.  I know that in years past, I have thought how "LUCKY" some of my friends were for having as many cards as they did.  WOW.  Now that I have them, I see how easily they can take control of your life.  You get trapped into thinking that you will only use them "once" or "just for this sale" or "just until next payday"......Well, many a payday has rolled around and many a cards have been left with a balance.  NO MORE!!!!!  Here are my before and after shots of my credit cards.  This week, I am going to call and actually cancel them.  But for today, while I had the guts, my scissors and I had a party.  And then a glass of wine.........


                        
Before........

                        

After.....

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Friday, June 14, 2013

High 5 For Friday.......


1. There's nothing like being upgraded on a flight.....A little more leg room=One Happy Traveler!

2.  Loved that my cab driver from the Toronto Airport had was a closet Disco Man!

3.  My new travel hair care routine......Let's just say the Ottawa water and lack of good hair products did not make for a very pretty week.  Thankfully, Toronto was much better in the hair department.

4.  This was my snacking material for the last three days in Canada.  I was lucky enough to have a market with a fruit and salad bar just around the corner from my hotel.  YUMMY!!!

5.  Strawberry, banana Jamba Juice.  I think I will.  

High 5 Everyone!! 

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Thursday, June 13, 2013

Week 5 Update...

Well, we are in the delayed gratification stage of our debt payoff.  We have worked a ton of hours, sold a bunch of stuff, gotten more jobs and now we wait.  We wait for the money to start coming in from the jobs, the reimbursements to come in from the things that we sold to pay for the trips that made us some extra money and for the new jobs to start.  OH!  But before I forget, I did make $118 dollars this week with my direct sales company.  Yay me!  That was really helpful.


    *Me working in the hotel.  Loved this lap desk by the way.........


It is a bit of a struggle this week.  I have been in a different country and wanted to shop, shop, shop.  But I didn't.  Part of me feels really good about it and another part of me REALLY wishes I could have just bought some stuff.  Not a lot of stuff, but stuff none the less.  *SIGH*  Like I said in the beginning, it is what it is.

Another thing that was a bit different this week was how we handled our food bill.  We did shop a little for necessities {milk, bread, T.P.; Can we please not discuss the catastrophe that happens when we are out of T.P.? Thank you.}; but have been using the stuff that we have to make it through the next several weeks.  We have had 2 of my husband's second job paydays go by now without a paycheck as he is on hiatus for the summer and man does it hurt.  You don't realize how much you depend on that money until it's gone.  

All of that said, we are still in a pretty good place.  Still doing better, not creating any more debt, and looking forward to paying off some in just a couple of weeks.  I think the best thing that's happened in all of this, is that our attitude has changed.  SIGNIFICANTLY.  We are both working on the debt now, neither one of us is in the corner trying to hide from it.  I can not even express in words how much this has changed our relationship and our bank accounts.  It still isn't pretty, but it's definitely headed in the right direction.

We still do not have any money in savings.....Ugh....But maybe by next weeks update I will have better news in this department!  Wish us luck. 

                                 
  *Traveling 31 Style.  I am exhausted, but the outcome will be well worth it. 


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Wednesday, June 12, 2013

Adoption Classes......

In order to adopt through the foster care system, potential adoptive/foster parents have to go through a series of classes, home visits, background checks and piles of paperwork.  You have to get a physical, be updated on your vaccinations and make some changes to your house.  All of it is worth every moment you have with your children when they come to your home, but it is stressful none the less.  

My husband and I went through our classes with a great group of people.  If it weren't for them, I don't know that I would have made it through.  See, I went into the classes knowing everything.  I mean, I have a degree in Social Work, for crying out loud.  Plus, I had wanted to be a parent for so long, that I was READY. I'd also been parenting all of my friends children for years.  Ok, actually I parented those children from afar.  On rare occasions I would babysit, but I just KNEW how to fix everyone's issues with their children.  

Your kids won't go to bed??? I have an answer for that.
Your kids are picky eaters??? I have an answer for that too.
Your teenager won't listen??? Well, good thing I'm here to fix that for you.

Um.....folks.....I am sure you have all figured it out by now, I know nothing.  Well not NOTHING, {yes, I know that's a double negative}; I could tell you about any stage of development you wanted to know about; cognitive, emotional, physical or social.  But book knowledge did not prepare me enough for the practical knowledge that a person needs to be a parent.

Thankfully, this epiphany occurred in class; before the Great Lord blessed us with any children that required our care.  I remember sitting there and all of a sudden, I teared up..... I stated a bit more loudly than I intended {this always happens to me} "But, we don't even have SOCKS!!" 



Now before you judge, I know many moms who have had a similar experience at some time during their pregnancies.  They were excited, but at some point that "HOLY CRAP WE ARE REALLY DOING THIS" kicks in.  For me, it manifested in socks.  As everyone in the room looked at me, some giggling, some thinking I was crazy, I went on to explain that my fear was not just because of the socks but because we didn't know what SIZE of socks to get.  Again, stay with me.  I know this sounds crazy, but for parents who are giving birth to their children, it is safe to say that you are going to buy new born socks.  With a few exceptions of gigantic babies, you aren't going to buy socks from the part of the store that you would for your 10 year old.  My issue was, I may VERY WELL need to buy socks for a 10 year old. Or 5 year old. Or 7 month old......DEEP BREATHS...DEEP BREATHS... I'm getting anxious just thinking about it.  

See the Good Lord saw fit to make me a planner.  Well when he did so, I found it necessary to take things into my own hands.  Often.  Too often.  So this meant that I needed {honestly I still do most of the time} to have my little plan in place.  Down to every detail.  Well for those of you who have ever adopted or are in the middle of adopting, you know that planning too many details ain't gonna make them so.  

So there I sat, in my class, knowing that we were about to be parents, worried about socks.  

Then I was reminded, Walmart is open 24/7.  And guess what...They sell socks.  All different kinds of socks. In all different sizes and colors.  Our child's feet would not be cold or frostbitten because I didn't have the right socks.  

I also had a sweet lady in my class that brought me a huge gift bag of socks the next class.  There were several pair, in all different sizes.  

We had the socks...........We were ready...............

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Savings.....

So I met some very interesting people this past week, while working for a bit in Canada.  The conversation of money came up and I discovered a new {well, new to me} way to save money.  It is called a sou-sou.  It is popular with Caribbean and African cultures.  Let me explain my understanding of how this works...... A group of friends and/or family get together and contribute the same amount of money into a "savings account" every month, week, bi-weekly, whatever works for the group.  Then each member picks a month that they get to draw from the sou-sou.  For example, if there are 10 people contributing a total of $100 per month.  That would mean the sou-sou would have $1,200 each month for a person to draw.  Each person then picks a month either by mutual agreement or by drawing a month out of a hat.  If you draw October, then in October you get the $1,200 for that month to with what you wish.  




This tradition started as a means for people to get the down payment for their houses or other large expenses, when credit from a bank was not available.  The sou-sou has been around for generations and is still very active in Caribbean and African communities today.  There are different amounts that are contributed as well as different time frames for saving the money, but everyone benefits.  

What are some different ways you save?  What would you do with your sou-sou draw?

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Out of the Country.....But now I'm back

I've been a bit of a slacker this week with the blog. The good news is that I am back in the saddle and ready to go! I got a ton of new ideas for the blog while I was gone. Holy Moly!! I almost don't know where to start. For now, I am on the monthly Blog Hop with Bloggy Moms! Come and check it out!!!! Keep your eyes open for new posts. There will be a lot to see this week!!!! Have a great day!
1.A Bloggy Mom2.A Money Maven
3.Gingerlillytea4.The House of O
5.Ramblings of The Geek Wife6.Hushed Voices, Secrets Untold
7.always Josefa8.Thyroid Thureen
9.A purpose driven wife10.Thyroid Thureen
11.Mama Love Diaries12.Suburban Epicurean
13.Mrs Flams14.Plus the Magic
15.On Loneliness...16.Mommy Writings By Daughter of Maat
17.Cool Moms Cool Tips18.Mamamusing.ca
19.The Non-Martha Momma20.The Dairy-Free Home
21.Flotsam of the Mind22.willamette valley wonder woman
23.Grateful with Twp24.The Born Unique Baby Guide
25.This Girl's Life26.Baby's Own Room Blog
27.Mommy Call28.DecRenew.com
29.Raising Hunter Lane30.Sweet on Books
31.The Mommy Rundown32.My Life on the Divide
33.Hope Whispers34.Two Little Humans and Me
35.DaysnThoughts36.Ebabee
37.Becoming Synena38.Carrigan's Joy
39.MotherStucker40.The Army Life of an Aviators Wife
41.Home and Never Alone42.sunnydaytodaymama
43.DecRenew Interiors 44.Michelle @ Our Three Peas
45.Magic, Memories, Mayhem46.Sand In My Toes
47.Ann @ Such a Mama48.Meals by the Week
49.Just Everything Ashley50.Life away from the office chair
51.I Support Mental Illness, How About You?52.All My Loose Ends
53.Kingdom 1st Mom54.This is Really 40
55.Sockadoodle- World of Accessories56.Practips: Tips for Family, Home, Garden
57.Mama And The City58.This Is Really 40
59.BeforeSexAfterBaby60.A drink in one hand, a baby in the other
61.Successful Homemaker62.Chikadee Creations
63.This Momma's Ramblings64.She Turned Her Dreams Into Plans
65.Love to Laugh and Learn66.Big Foot Tribe
67.Sisters Raising Sisters68.Anywhere Is....
69.Practical Mama70.Country Bunkin Mama
71.Papertree72.Housee of Bedlam
73.Running In Pearls74.Organized Island
75.Frugal Fit Family76.Sewing and Crafting with Sarah
77.My Papaya Jambalaya78.The Real Housewife of Ohio
79.The Sticky Mom80.DevelopaChild.net - About Child Development
81.First Time Mommy Adventures82.Pretty Little Dahlia
83.Another Cent Saved84.Road Trip the World
85.Krazy Momma86.Stringtown Home
87.He Married Me For My Cooking88.Domesticated Breakdown(follows back)
89.Byrd is the Wyrd90.Baby Social
91.Blueberry01092.Christin @ Manicures & Extra Sprinkes..Please!
93.The Chocolate Bottle94.Epic Mommy Adventures
95.Harvey Ever After96.Momsters Gabwheel
97.Modern Hippie Momma98.Oh Hey Baby
99.A My Name Is Amy100.Where the Submarine Takes Us
101.Homemakers Heart102.Mommy Works a Lot
103.Roberta's Realities104.Messie Jessie's Kitchen
105.Searching for the Happiness106.Inspired Passions
107.It's me, Deb CB!108.Michelle Mossey
109.Sweetpea Lifestyle110.The Hodge Podge Diaries
111.Day to Day Life112.Piloting The Zoo
113.Aileen's Thoughts114.Vodka Infused Lemonade
115.Frugal Texas Diva116.My Little Sunshine House
117.Uncommon Designs118.Mom In Love Forever
119.Finding Myself Young120.Love, Umi The Master Rantor
121.Ef Zin Creations...Live Well!122.Rachel's Country Roots
123.Thee Mommy Diaries124.Shh!! Momma's Writing!
125.Behind the Makeup126.The Harris Life
127.Sharing Thanks128.Back Home Again
129.CREATE WITH JOY 130.The Elements of Review
131.Beauty, Fitness & Health...Oh my!132.Momma Candy
133.1mommy2monsters134.Live Simply, Live Thrifty, Live Savvy
135.My Fruitful Home136.Everyday Morning
137.Just Mildly Medicated138.Rich Single Momma
139.Busy Mom of 4 Kids and A Blog140.Alphabet Soup
141.Word Traveling142.I Sarah Take You
143.Hot Commodity Home Decor144.Sharing Thanks
145.Life With The Crust Cut Off146.Life and Other Stuff
147.Dear Creatives 148.Simply Sweet Savings
149.Diy mason jar lantern150.one family's first home swap experience
151.Simple Sojourns152.Disentangled Heart
153.Super Fun Mama154.Running Through Motherhood
155.Beauty Health Goddess156.Mom Spot
157.Dayton Mom Spot158.sincerely, sara d.
159.Sockadoodle- World of Accessories160.A ChicMom
161.What Does She Do All Day?162.Love Inspired
163.BossDivas Fashion Cents164.From the Desk of Elle Ay Ess
165.Momfever166.Welcome to my cloffice!
167.A Bit of Wine168.Rosels' Mom Diary
169.Dandy Giveaway170.Heart of Carrot
171.Countryside Mam172.A Few Days in the Life of Courtsie Ann B
173.Hot City Cool Mom174.Living on Phosphenes
175.Western New York176.Love to Laugh and Learn
177.My Real Food Family178.Left Brain Buddha
179.Ashlie @ That Love Rush180.Behind The Scenes
181.Max and Me Marketing 182.Frugal Fanatic
183.Urban Almanac184.Mommy Madness
185.Our Everyday Harvest186.Carpool Goddess
187.Living on Phosphenes188.What Vegan Kids Eat
189.The Bluebird Patch190.Looking at life CreativLEI
191.Top Free ebooks192.Geomatics tools
193.Toronto Mama194.The Power of Play-The Best Way To Teach Your Toddler To Talk
195.Budget Hotels Delhi196.Car Booking
197.Royal Proclaims198.Project Courtney
199.Melanie Britt Project Life200.FILL IN THE BLANKS
201.Your Mom Is Strange202.Mommys Juice
203.Ting's Mom204.The Redder Side of Pink
205.Avon Beauty with Mary206.Miss Mama Me
207.Ef Zin Creations208.My Life as a Trimommy
209.Meredith's Musings210.Mom Imperfect.
211.Pixie Budget212.Diary of a Working Mom
213.Night Owl Venting214.Jewelry box creation
215.Nom Monster216.Frugal Fit Family
217.Trending Belly218.Babs in Blogland
219.One Reason I Love Disney World220.Life With The Crust Cut Off
221.RENOfamonthego222.How Long Are You Going to Breastfeed?
223.The Jenny Evolution224.Not My Year Off
225.Georgie Lee Books226.Alena @pidala family 5
227.Flirting with My ISMS228.Umoya Designs LLC
229.Umoya Designs LLC230.Blogdeedah! - Summer Food Fun, Corona Cupcakes Recipe

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Tuesday, June 4, 2013

H54Friday

What a great week!  I have been in Canada all week on business.  I feel so grateful that God has blessed me with an education that I can use to feed, clothe and make my family feel secure.  Canada is a beautiful country.  Thank you for this opportunity, Lord. Feeling Blessed.  :)


1.  Who knew two little chocolates could make a person feel so warm and fuzzy.  
2.  Keurig??? I think I will......
3.  This little guy is going to become a part of the Smith family sometime soon.  I can not tell you how easy it made posting on the blog and other places.  EVERYONE should get one. Now to find out where.....
4.  The beautiful view that God created, from my hotel room window.  Breathtaking.
5.  The sweet man that looked like Santa in the airport on the way to Ottawa.  It makes me want to be a kid again and believe in the pure, little things.......

Happy Friday everyone! 

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