Yesterday I told you about Dave Ramsey’s envelope system which helps budget your money so that you don’t overspend.  I’ve been thinking more about budgets and realize this is a subject that needs to be addressed and it’s also an area in which I need improvement.
A study of Harvard graduates showed that those with with written goals achieve more than others.  Some words from Dave Ramsey:
Your budget is a written goal for your money.  People who win at anything have written goals.  Goals are what you are aiming at.  Your money won’t behave unless you tame it.  You need to have a …read more

As I’ve mentioned before, my husband and I have attended Dave Ramsey’s Financial Peace University classes at our church.  These classes were very beneficial to our finances, as well as our marriage.  Finally, we were on the same page financially and were both working toward paying off debt and saving.
One of Dave Ramsey’s tips for budgeting is to use an envelope system.  You simply make an envelope for every area spending which can include: groceries, gas, childcare, entertainment/eating out, clothing, and more.  The envelope system is a great way to keep you from spending more than you had allotted.  It …read more

I received this in a email and I was sure you all would like to see it too.
*******************
Jennifer and Jim kept getting huge water bills. They knew beyond a doubt that the bills weren’t representative of their actual usage, and no matter how they tried to conserve, the high bills continued.
Although they could see nothing wrong, they had everything checked for leaks or problems: first the water meter, then outdoor pipes, indoor pipes, underground pipes, faucets, toilets, washer, ice maker, etc. — all to no avail.
One day Jim was sick and stayed home in bed, but kept hearing water …read more

Here’s another use for vinegar that we can add to the list.
How To Clean Your Dishwasher With Vinegar

I’m so thankful for all of the men and women that have fought to keep us free.

Happy Mother’s Day to all you moms out there. Here’s a little something that I hope makes you smile.

Today my hubby and I have been married for 14 years. Yep, really, 14 years! The bad thing about telling people how long you’ve been married is that they usually look at you funny and then you can see them figuring your age in their head. When I see them figuring my age, I just tell them I got married at 15. hahaha
Here’s a picture of us on our wedding day. My, aren’t we young?

And this picture was taken just a few months ago. We’re a little plumper now.

Anyway, …read more

My friend Nancy sent me a link today about carseats and seat belts.  It was a very moving and emotional video and I think you should take a look at it too.
When my first child was born my husband and I bought the Cosco Alpha Omega Elite carseat.  The weight limit is 80 lbs.  The carseat was $150, which seemed like a lot, but we agreed it was a thrifty buy for the amount of use it would receive. We decided we could save money in the long run by not having to buy multiple carseats.
We have both of our children …read more