Wednesday, March 30, 2011
Tuesday, March 29, 2011
Sunday, March 27, 2011
Wednesday, March 23, 2011
Monday, March 21, 2011
Sunday, March 20, 2011
Thursday, March 17, 2011
Wednesday, March 16, 2011
5. I wore the only green shirt I have...today. Genius.
6. I finally broke down and went to the urgent care clinic last night. They determined that my original sinus infection never went away and that I needed another and stronger dose of antibiotics. They also gave me a steroid shot. I love those things. They relieve all that pressure so fast. Today I am feeling so much better already. Praise the Lord.
7. I am almost finished editing images from my 3 sessions last weekend. Editing sure takes a lot of time. I definitely don't have my post processing as efficient as it could be. I need to work on this.
9. My husband is already asleep in bed. I can hear him snoring all the way down the hall. Anyone else deal with a loud snorer (or grinder, sleep talker, etc)? On really fun nights, my dear hubby does all 3! It can be quite a circus.
10. I am heart broken over Japan. I am sure you all are, but I just wanted to put that out there. I read on someone else's blog today how she watched her son eat breakfast this morning and she was overcome with grief at the thought of all the mothers in Japan who couldn't feed their hungry children or worse those who couldn't find them. Oh my word. It brought me to tears. The blogging community is taking a day of silence on Friday in Japan's honor. There are lots of ways to donate and help, google it and do something. Even if it is only a little.
Monday, March 14, 2011
Sunday, March 13, 2011
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Thursday, March 10, 2011
Wednesday, March 9, 2011
Hi everyone. I want to introduce you to someone...this is my friend Beth (and her adorable daughter). I have know Beth since high school. We went our separate ways after high school and were reconnected 3 years ago. There are days that we talk a lot. Seriously, a lot. She is a dear friend who I trust fully. I trust her opinion, I seek advice and counsel from her, we pray for each other and share secrets. We also laugh a lot. She rocks.
Beth is one of the most financially responsible people that I know. This is really inspiring because she is not an elder, she is my age. She is tempted by all the "stuff" that I am. And yet she makes remarkable decisions. She has a lot of great advice to offer about budgeting. I thought her advice might be helpful and/or inspiring to some of you. Enjoy!
Sabrina asked if I would share a few budget tips with the Noodles and Milk readers. Of course, I said yes because I'm addicted to saving money. Watching my savings account grow is one of my favorite pastimes. Followed closely by eating chocolate covered Oreos. Yum.
1. Write it down. Tonight. Sit down with your significant other (and older children if you'd like to include them) and put your budget on paper in black and white. Or blue if you prefer. Figure out how much is coming in and going out every month.
Don't try and write out a budget for the entire year-this is NOT effective. Each month your family has different financial needs dependent on everything from the weather (utility costs) to birthday celebrations (gotta pay for that party!). In our house, we budget by paycheck rather than month-so every two weeks we sit down to write a new one. Believe me, taking a little extra time to figure out where your money is going (and telling it where to go) makes for a lot more peace in the home.
2. Stick to It. Make sure your budget isn't a "pie in the sky" plan. It needs to be realistic. If you know that you are going to order pizza once a week because cooking just sounds like too much work (I've been there...oh, just about every night), great! Budget for it. If it's not in the budget, don't do it. Budgets aren't set in stone, but they are guides and should be followed. Next month, review how you did and make necessary changes. And in the end, when you have a monthly surplus of money, it will be worth the little sacrifices here and there.
3. Pay Yourself. Even better-pay yourself automatically. Most banks will let you transfer a set amount of money (like a direct deposit) automatically into your savings on a weekly or bi-weekly basis. It's much much easier to build a savings account this way. Money that you never see will not get spent. The old adage that you live off what you earn is true. Just pretend you earn a little less and put more money away for a rainy day.
4. Know your weaknesses. I have a good friend with the best of intentions to get out of debt and stick to a budget. But every so often she decides that she "needs" something, even if she doesn't have the cash and splurges. Putting it all on a credit card. Not good, people. Know your weakness-my friend's weakness is a handy credit card that she ought to cut into teeny tiny pieces. Mine is Chick-Fil-A. Without some self discipline, I could break the entire budget in one week with my Chick-Fil-A habit. In fact, to help me out, we've gone to a cash only food budget. Now when the cash is gone, it's gone. I'm a lot less tempted to spend too much eating out now, knowing that the money has to last a couple of weeks.
What's your weakness? Shoes? Accessories? Kid clothes? Deals? Remember that you can add a little bit of money into your realistic budget for these things, but only if you can afford it and when the money is gone, it's gone.
5. Live within your means. Just because your parents, friends, neighbors, etc have something, does not mean that you need it. I love the mantra, "Use it up, wear it out, make it do, or do without." In fact, I'm often telling my husband that I just want to live like the Amish-a simple life sounds so peaceful and financially sound. I loved Sabrina's post about selling "things." It's a great way to add to your savings or pay down your debt AND simplify your life. A couple of weeks ago, I sold my wedding dress on Ebay and put the money into savings. The money in savings is doing me a heck of a lot more than the dress was hanging in my closet taunting me with its size 4 tag.
There is a time and season for everything, including owning nice cars, taking covetable vacations, and collecting electronic gadgets. That time and season is when you can afford it. NOT afford the payments. Afford to pay cash. My parents scrimped and saved, bought second hand and always paid cash. Growing up, we didn't drive fancy cars or wear expensive brands, but my parents are reaping the benefits of their financial decisions now. Currently, they own (as in paid in full) 5 nice cars and 2 homes. Just in the last year they have been on an Alaskan cruise, to New Zealand, Hawaii, and several trips across the United States to visit various family members. They are in a financial position to give back and do so generously. That sounds like a pretty good life to me. Moral of the story: Budget and save. You CAN do it. It is exhilarating to watch your debt decrease and your savings accumulate.
6. Find pleasure in saving money. Don't think of yourself as a poor victim, looking around at what others "have" (that the banks actually own). Be proud that you are in control of your money. Spray paint second hand furniture with happy colors (we have a bright orange $15 dresser in my son's room), cheer when you sell your kids' old clothes on Ebay, and reward yourself when you pay off a debt.
7. Do yourself a favor and read a Dave Ramsey book. It will most likely change your life. I was a skeptic-mainly because I was already budgeting and saving money, but his book was entertaining and gave me the extra jolt I needed to really get serious.
If you'd like to follow, I share deals and free stuff here. Read other posts I've written about saving money on my blog.
Wasn't that great? I hope that you learned something new or was at least inspired by her words. I do have a couple of things to add to her article.
1- If you do not already follow her deals facebook page...join it now. Trust me, it is awesome.
2- As Beth described her parents lifestyle, I can attest to the fact that my inlaws are in the same position. They lived most of their 20's, 30's and 40's super frugal and were extremely financially responsible. They made tough decisions and because of those decisions, they are able to live an amazing lifestyle now. They own 3 homes and paid CASH for all 3 of them. They buy a new luxury car every 3 years and PAY CASH every time. They have established large college funds for all 7 of their grandchildren. They give away a very considerable amount of their income every year. And they are retired. At 60 years old. They just took a 2 week roadtrip from Texas to Florida just because. And there are a lot more details like that if you dig deeper. I cannot help but be inspired by their story.
I hope this has been informational and inspiring. If you have any other tips or stories to share, I would love to hear them!
Tuesday, March 8, 2011
Well, it is official. I had my first paid client as a photographer on Sunday. I was sure that after I posted the opening of my business on facebook, that my first paid experience would be family or friends. Well, I did have lots of friends book with me (I am actually booked into May!) but the way the scheduling worked, my first client was someone that I did not know.
Ya'll, I was so nervous. The only thing that calmed me down was that I was working with a baby the same age as my son. This helped because I knew what to expect out of that particular age.
This little doll was so sweet but not sure about me at first. She definitely takes in her surroundings and is more serious than playful. I only got one semi-smile out of her. Thankfully her mom told me that she is a serious baby and doesn't smile much anyways. This made me feel better that I was capturing her natural personality.
Here is a little peek at our afternoon.