Posted in books, debt, encouragement, family, finance, food, kids, money, obedience, Parenting, parenting advice, relaxation, savings, travel, Uncategorized, vacation

How to Change your life by changing your attitude.

So Ive been a little MIA from writing the last week or so. We just started back with full force of homeschooling. We have also just gotten back from a couple trips. So with that let me update you on where we stand with the debt.

I refigured the grocery bills, i was over, but after talking it over with hubby, a good portion of the overage was the groceries we bought for our camping trip so we took it off the grocery total and put it on the vacation total. Still it was money spent. I mentioned before hubby is having a hard time sticking to the plan, and that i feel i cannot do much about that. He works incredibly hard and telling him not to purchase a case of beer or some donuts seems a tad too controlling. I believe by leading by example he will follow along willingly when he starts seeing the results as well. That said I do most of the grocery shopping so I have been sticking to the plan, and if he WANTS something not in the budget he has to go get it. This seems like a fair compromise.

We also had the majority of the school expenses come out this month. Which seems like A LOT but in the scope of comparing to what we would have spent of private school, were way ahead. below are the bulk of the costs

Classical Conversations Tuition for 2 kids $1050

Classical Conversations Audio Memory Work CD Cycle 2 $30—– if you’re new to homeschooling or even considering it THIS is the NUMBER 1 purchase I suggest. I would even recommend the Audio CDs for non homeschool, or kids not in the Classical Conversations circle. While I LOVE the classical model of education I do understand it is not for everyone and every child, the CDs however are an easy intro to the topics.

Old World Tales $17 with shipping, this is another book new this year to CC and already loving it. Its a great way to jump into reading time in the morning each day. The kids like the stories and it is a nice way to spend time together. This would be another HIGHLY recommended item for families homeschooling or not!

This year we also decided to dive into the AMBLESIDE online world of education. I stumbled on this by accident and really really loved it. If you follow the blog you know im a giant book nerd so this was right up my alley. We are not following the schedule but instead reading some of all the books everyday. I am less concerned with completing all the years on schedule as i am with fostering a LOVE of reading. The other thing i love about this ‘curriculum’ is the focus on narration . If you dont know much about that i HIGHLY recommend reading the book know and tell. In essence, it is teaching the kids to not only listen when were reading, but to learn. Meaning i do not want them to simply parrot back to me the books we read. This may seem counter intuitive with the classical method and classical conversations as a whole, BUT from my stand point i think it fits in perfect. That is bc the classical method is teaching them FACTS, but the Narration is teaching them to not only listen to the facts BUT to understand it.

The Ambleside year 1 books did make up a heafty investment BUT i will say that books are in my opinion NEVER a wasted investment. I am currently trying to decide if I will purchase the YEAR 0 books for my younger kids as i think they would enjoy the stories, but they are not cheap.

Again this year we are continuing with the teaching textbooks for my sons math, he started the subscription mid last year and it is a year long, so we will not need to renew and get the next years work until around february 2020.

Handicrafts is another investment we are making, this is something charlotte mason touts and while i dont feel its as crucial to an education as she does, i do think it plays a part in breaking up the day and having more fun.

the Ambleside Art is another FUN thing. my kids and i appreciate art and painting and so were printing the art suggested and the kids will be talking about it and painting their own based either on reproducing, or using the same method, colors, etc… i have decided to take a picture of their work and at the end of the year print using google photo books to keep as their portfolios. If you live in a state that requires portfolio i find this is a simple way to just take pictures of the work and they line up nicely on the shelf instead of files and files of crinkly missized papers. plus the kids enjoy flipping thru these.

Other costs this month that we were NOT expecting, the brakes AND air-conditioning went out on our truck. i realize this is a mainenance thing and periodically need redone BUT wasnt expecting it. SO i am 100% happy that we started the savings plan at the beginning of the month BC we had the money available CASH to pay for it instead of going further into debt to cover the costs. That said the SAVINGS plan has been reduced to not much BUT thats ok were still on track for basically everything else.

Another EXCITING piece of information is i published a short work of poems! this has been something ive wanted to do for ALOOOOONNNNNGGGG time. I was o nervous to do it but am really so proud of myself. I do not care if a single copy sells. Just the fact that i did it and its out there is such a personal accomplishment. In fact i have taken the step to publish more works. I have purblished a short math workbook for pre-k students. I didnt do this for the money but found that what we have used for our kids in the past for math hasnt worked great and so made a book based on what OUR kids needed. I was tired of printing them all off the computer and having loose papers all over the house, so them being bound is a nice option and also makes my pre-k student feel like big stuff. I intend to publish more as she needs them. I published it bc i figured if my kids need this other kids may need it as well and instead of waiting for someone else to do it i did.

This month also saw the second check off of my bucket list. I finally saw Joyce Meyer in person! she has been such an inspiration in my life and I love listening to her ministry. One of the things she said this weekend is that People try church thinking theyre trying God. then when they dont feel welcome or they see hypocrisy in the church they think they dont like GOd. The church is made up of sinners and as such will never be perfect like God. it is made up of people who WANT to do better. So if you feel like you dont like church maybe you need to try another one, OR try listening to online church sermons. Find a minister you like. One thing people seem to not like about sermons is that they feel called out. THAT IS THE POINT. to be convicted on something in your life that you can change. it doesnt even have to be something big. this past week she talked about forgiveness and how it is for YOU not the other person. THIS is something ive heard a million times before but sitting in that arena it came to my heart what that MEANS. instead of turning my complaints and irritations to prayer and praying for the person who offended me i have been stewing in the offense.

Example: someone cuts me off in traffic, now ill be the first to admit im NO saint and suffer from road rage. I KNOW the person cannot hear me yet i yell, cuss sometimes, ANGER flares, my heartrate increases, you can feel the rage in your heart and head. I sit there with my anger physically consuming ME, while the person who cut me off drives on with their day. THIS is what unforgiveness does to us. When someone in our family, our kids, coworkers, etc hurt us they may not even KNOW, yet here we are MAD and angry for hours, days, years even. What i took away from the forgiveness sermon was that i need to turn the offense into a prayer. back to the road rage example: instead of yelling at the other driver i can say “THANK you father for giving me eyes to see and that no one was injured in an accident” By changing our WORDs and ATTITUDE away from complaining about whats wrong INTO what were are thankful for we can be happier as a whole.

Joyce mentioned how were all a bunch of winers, and wow she is write, my foot hurts-yea but thank you father i have feet to walk on. My kids dont listen- thank you father for my kids.

You may not even be a Christian and thats FINE, the point of this is that our WORDS have an impact on our attitudes and emotions, which impact our actions and being. TRY it for a day, try NOT to complain and to change the complaint into a thanksgiving. She asked us to do this as we left and BOY what a lifechanging day that was. Something as simple as that gave us SUCH joy and exuberance we were giddy with laughter realizing all the mundane things were THANKFUL for in life.

So as i sign off with the update on debt and our last couple weeks i encourage you to try the same.

Posted in debt, family, finance, money, savings, Uncategorized

debt journey update:

Well here we are less than a week into this journey, and already i can see its going to be harder than i imagined. Dear husband is apparently not as on board as i thought. He has made some purchases that i didnt budget for. Im slightly peeved, because these are HIS student loans and credit card debts. I get that i married him and now they are ours, but i feel his not taking this seriously, even after i showed him the work and budgets and totals that took literally DAYS to figure out.

not only that but i realized that there are somethings i didnt budget for well timing wise. Some of the bills are due sooner than i initially thought so we had to make the payments earlier which is fine but now i have to reconfigure the calendar/paycheck system to make sure everything is paid without going negative in the account. Diapers, toilet paper, and dog food… all the bulk items i get from costco all ended up running out this week, and i didnt plan on purchasing for another two weeks. SO i am hard at work moving things around.

on top of this i want to reference the previous debt post . where we are putting quite a bit away for savings. This is for school and travel expenses, so while we will be saving, it is more a downpayment for these activities. this coming weekend will be the first planned trip we have, and our first withdrawl from the travel savings, it is a small weekend trip to canoe and camp, it will be a relatively small amount we have to take out compared to what we have put away. we need gas, kids paddles, some food (which i already paid for most of it in last weeks grocery bueget, to save both time and the clicklist charge). while i went over my weekly budget amount by spending over last weekend, i am under for the month still. This is a learning process.

The second part being schooling. we homeschool using a combination of Classical Conversations, local CO-Ops, and AmblesideOnline. We are Charlotte Mason-ish. I think the classical model definitely has benefits but ultimately we chose to homeschool because of the freedom it allows us. We do not have to choose just one curriculum, we dont have to use the FULL curriculum. but back to savings… this week will be our tuition payment, (we have been putting into this savings account before this month). it is a large cost all at once. $1056 in one gut check to the savings account. on top of that we begin community day in two weeks and i have to order the rest of year 1 ambleside books, as well as our materials for classical conversations (CC), this year we will only be purchasing the audio cd, and the old world echos. last year we purchased the curriculum book for foundations and wont need to spend as much this year. The ambleside books we felt are a great addition to the cc materials and so we will be using them more as supplemental than base curriculum.

In addition we spoke with our tax accountant this week and she let us know that we would be getting a federal refund, this is maybe the first time that has happened for us. We try to not loan the government money interest free, so our dependents and withholdings have always been set so that we owe about $500/year give or take which is REALLY close. But filed an extension this year as we didnt yet have our youngest SS# at tax filing time. We also didnt adjust our withholdings after our son was born last year. so we will have a little extra money to put into the savings account than originally planned. This is not something we had anticipated but we are glad to be able to have the cushion.

Lastly we have decided to downside our fleet. hubs listed two of our vehicles this weekend, to hopefully be able to purchase cash a new to us vehicle, but cut down on insurance payments and low mpg of the current vehicles. the remainder of the cash will also go into savings. these additional savings contributions go into our long term savings account. any time the savings account reaches 3k we bump everything over 2k into long term savings. our short term “variable” expenses of travel, car repair, homeschool costs, come from the main savings, but frequently we have more time between those costs so we bump it over into long term savings for the kids college fund.

Also for grocery/shopping I JUST signed back up for Ibotta, I’ve used it in the past, they say it’s money back but for me it’s more just coupons. I love using all the store coupons, I’m not a pro by any means but I do the few store apps if it’s something I’m already buying I figure cuts down on bills a little. try it out bc literally just about anyplace you buy stuff there is some kind of reward in Ibotta.

so there is this weeks update on the savings/debt journey. I will update again after these expenses come out and update the timeline for debt. I do not think it will be altering much.