The Outspoken Mom Blog

New Health Care? OH! New Health Care!

Good Morning Everyone!

This blog is going to be short and sweet, my dad is coming over this morning to surprise the children before they go off to school so, I only have a few minutes.  By the way, have you ever noticed that you can type super fast when you are not in a hurry with very few mistakes but, add that 'hurry' factor in and you have two left hands?

So, yesterday was my 6 month appointment for my teeth cleaning with my dentist.  You know, we go twice a year to have our teeth cleaned and checked, once a year for x-rays and that is all your insurance covers.  Well, they also cover if you have a filling and a few other things and that is it. 

Yesterday, I was informed by my dentist as he was finishing up that 'they' (not quite sure who 'they' are but, I can guess...) recommend going to the dentist once a year instead of twice a year so my insurance as of January 1, 2010 will only cover 1 dentist visit/cleaning a year and x-rays once a year plus if you have a filling.  Then he said, "However, I highly recommend you continue to come in every 6 months, you will have to unfortunately pay for your other appointment but, I urge you to continue coming twice a year."  Of course I will go there still twice a year, I have learned over my 37 years of being alive that a cavity or any other mouth issue can come up pretty fast and you might be fine one dentist visit and the next you have a cavity.

So, I went up front to schedule my next appointment and found out it will cost me $143 out of my pocket for my next appointment.  OK, not bad but, considering that my insurance premiums didn't go down and my coverage did, ouch.  So instead of me paying $6 a year to visit my dentist (my co-pays are $3 each) I will now be paying $146 a year instead. 

Now, if I couldn't afford to pay that extra $143 a year, I would have to choose the 'new and improved' guidelines and risk my mouth health.  Now, of course, my insurance does cover cavities however, it does NOT cover root canals or any repair work needed or treatment for gum disease.  So, only going once a year raises those risk and of course, those costs to me!

This is my 2nd experience running into the 'new health care' recommendations put forth lately.  A few months ago I had my yearly physical and my doctor told me I needed a Mammogram.  What?  I am only 37 and no history of breast cancer or any cancer for that matter in my family.  He said he is 'highly recommending' (there is that phrase again!) all women between the ages of 35-40 go in for a mammogram so, I did.  It was crazy, they got me in immediately (well next day) and as I was getting my boobs squished, I asked the woman if this was because of health care reform.  She quickly told me that most doctors were trying to get their female patients between 35-40 in as fast as possible, before the new guidelines took effect which said women don't need a mammogram until age 50.

Wow, so there, without me even looking I have already seen 2 changes to my regular health care and one was before the new bill even passed and the other well, I guess that one happened before the new bill passed too since it was implemented Jan 1st.

I wish I could talk more about this but, I need to go!  Just wanted to give you all a little insight into what might be happening with our 'new and improved' health care.

Blessings to you!

-Liza

Support Your Local Small Businesses

Good Morning Everyone!

Only 3 more days left of school for my people and I couldn't be more thrilled!  Frankly just because I am so sick of getting up so early and fighting my 6 year old to get out of bed at 630am.  It will be so nice to have my people sleeping in and to let them watch those morning cartoons again(we don't do TV during the school week) and to let them Wii it up all day.

Plus, the bike rides, the pool, the dog walks, the friends over, the play dates mine have away!, and our summer nanny, all things I am very excited to have going on.

So this morning as I was reading our local paper online and reading about some stupid kid who held a gun (a BB gun) up to the head of some kid in his school parking lot after school on Monday and is still being held...what an idiot!  I heard our milkman pull in front of the house.  Oh yes, we have a milkman!

I love my milkman, we have had the same one for over 4 years now and he is great.  Always on time, never misses a week and if he is on vacation, his little brother does his routes for him.  He is also great with the children and allows my son to jump onto his milk truck and 'help' him and has allowed that since day one.  He brings treats for our dog once in a while and just is a good guy.  He is a young guy, works hard and is always very pleasant and professional.

I started having a milkman because even though our grocery store is one house away from us, the heaviest items and the ones we run out of the most are milk, eggs, and juice.  When we first started my people were little and I was pushing a grocery cart home trying to hold onto 2 little hands sometimes 3 or, I was pushing the double stroller, holding on to a hand and trying to carry groceries.  I decided to find a milkman.

For us over the years our orders have become very limited because of our food allergies however, he does carry soy milk so, it works for us still.  It is great knowing every Wednesday morning around 730am I will have milk, eggs, butter, popsicles(in summer), and juice delivered to my front door and when the children were younger, he would often bring the stuff in and put it all away for me too!

He carries a bunch of different items and most of his prices are comparable to the grocery store, he just doesn't take coupons.  But, he carries dish soap, garbage bags, a few different cereals, breakfast sausage, eggs, juice, etc for those times when you open your fridge to feed your children breakfast and realize you are out of everything!  Oh, I know that has happened to more people than just me.

Even when gas was really high and everyone else started putting sur-charges on things or delivery charges, he still kept his free delivery and his prices didn't rise.  That is good service to me and that is why I continue to support him and continue to keep his service.

With everything that is happening around the US with the government seizing and taking over large businesses and our banks failing and homes foreclosing, we now more than ever need to support our local small businesses.  My husband and I have always tried to support and shop at our local small businesses instead of big box retailer.  We believe that is what made America what it is and we believe it helps our community when we shop locally and yes, you might pay higher prices but, you can't beat the customer service, the community feel and the fact that most local businesses also are local people that give back to the community in more ways than a big box could ever do.

I have quit shopping and using many of the big retailers because customer service doesn't exist anymore and that was something I prided myself in when I was in the working world.  The customers were 'always right' even when they were wrong, they were important and deserved to be treated well.  Now, I find only that philosophy in small businesses.

I avoided Target like the plague for almost 3 years because their customer service had gotten so bad.  Now, they are doing much better with it again so, I am shopping at our local Target again.  However, I avoid Macy's at all cost and I only shop there if I have a gift card.  I can't believe how empty the store feels and how completely rude the employees are now.  Plus, since they don't sell children's shoes, forget it, that was the main reason I ever went to a department store anyway.

I will say Best Buy is very good with customer service too however, I believe a lot of that is our local store is one of the last of the small Best Buys and they are located only a couple miles from headquarters.  But, they hold the door for you, greet you with a smile and will walk around the store with you helping you find what you are looking for.  THAT is good customer service!

However, for fixing our computers, we do tend to go to the local computer shop that I don't even know if it has a name but, they do a great job and their prices are right there with Best Buy's.  We try to stay away from chain restaurants, we tend to go to our local car wash instead of the big nationwide one down the road. 

That is how we as just average citizens can help pull our country out of this mess we are in right now.  Shop locally, shop the mom and pop stores and eat at the local restaurants.  Get to know your local business owners and work with them and get them involved in your community.  They will do it because it is like free advertising for them and it will benefit the community too.

I will say...my little side-note about what is going on right now in politics.  I will not be buying anymore GM cars.  I will buy used ones 2008 or older but, that is it no more new.  I will either go import again or I will go Ford.  I love America but, I don't love Socialism and government run companies.  That isn't Democracy and that isn't having freedom.  Democracy is letting companies fail.  Here is my little analogy on why we should let companies fail:  Mount St. Helens, it was dramatic and devastating.  The mountain never looked the same again and the towns around it were hurt too in the early 80's when it erupted.  However, if you visit the area now, it is lush and green again.  The valleys are filled with new growth, new trees, new wildlife and the cities and towns are back to normal and thriving again.  You need catastrophe, you need things to fail, you need things to die in order to get new things, new ideas, new products, new businesses.  By not letting these companies fail, we are not allowing 'new growth'.

Blessings to you all!

-Liza

Words from the Frugal Millionaires

Good Afternoon! 

Today is one of those rare days where I feel compelled to write two blogs in one day.  Doesn't happen often as I think it is a bit silly but, I just got done ready an article that I just HAVE to write on!

The article is based on interviewing millionaires and seeing how they stay that way and how they got that way.  We are talking the 'under the radar' millionaires.  I know many of them and Minnesota is filled with them.  This isn't about the movie stars, rappers, or private plane owners, this is about Joe Blow down the street that has owned his house free and clear for 30 years now, drives a 10 year old Cadillac and his wife stills wears her diamond ring he gave her when they were 20.  They have nice things but, not too nice.  But, those are the same people that are able to winter in Florida or Arizona, travel to Europe, pay for their children's and Grandchildren's college education,their children went to private schools, and they tend to give generously to their favorite charities.  Sound like anyone you know??

Ok, here are some of their tips from the article, "How to Spend Like a Frugal Millionaire." by Kimberly Palmer from a guest blogger Jeff Lehman author of The Frugal Millionaires.

Spending philosophy.

Frugal millionaires are unique thinkers when it comes to spending money: 1) they can easily delay their need for gratification when purchasing; 2) they are resourceful in getting what they want by carefully timing their consumer purchases; 3) they make living below their means painless; 4) they don't like wasting anything (especially money); 5) their sense of "self-entitlement" is highly minimized: and 6) spending is OK with them...depending on what they are buying (think: appreciating vs. depreciating assets).

Buying tips.

These millionaires keep more money than they spend, that's why they are rich. Their tactics work for them so they'll work even better for you. Key Point: They don't view shopping as a sport. They shop efficiently and spend their time doing more important things with their lives. Here are their tips that will help you save while spending:

Cars: Buy used (or off lease) fuel-efficient cars, often with "certified pre-owned" warranties. This warranty can be better than a new car, plus the initial depreciation hit is avoided. Drive the car for a long time and never lease it.

Eating Out: Bring half of a meal home to eat later (this also saves the waistline). Eat at happy hours. Bring wine from home and skip dessert. Value food quality over expensive ambiance.

Eating In: Eat better and less expensively by cooking at home. Make it a friends and family event. Get your kids involved. Bonus: You can have that extra drink without worrying about getting busted for driving under the influence. Also: buy day-old bread at the best bakery in town and freeze it. Eat oatmeal, because it's the most cost-effective breakfast food. Get a supermarket "club card" and buy food on special. Play the game of trying to see how much of a discount can be saved off the total food bill.

Clothes: When you buy something new donate something used to charity. Buy traditional clothes, but wait for the off-season to acquire them. Go for high quality - not high price. Buy vintage clothing and avoid logo clothing and keep people guessing who the designer might be. Hint: There shouldn't be one!

Consumer Electronics: Buy low-end gear that has the basic functionality of the more expensive stuff. Don't be the first to buy new technology. Wait at least one life cycle so the bugs are worked out. Buy refurbished electronics whenever possible.

Computers: Buy more mainstream computers with proven technology. Select higher capacity hard drives, a decent amount of RAM (the memory that the program runs in) and a cost effective processor. Super fast doesn't always equal super good...unless you are building airplanes or bridges. Laptops are a good compromise between desktops and netbooks. Don't go through the pain of upgrading operating systems on existing computers, it's not time efficient and you will probably go insane trying.

Going green: Being green and frugal go hand-in-hand. Yet frugal millionaires don't readily fall for the trendy green hype machine. They typically buy green if it helps the environment and lowers their costs. They look at the time frame when a product can pay for itself. They do use compact fluorescent lighting, turn off lights and equipment that isn't being used, monitor AC and heat usage (with programmable thermostats), drive efficiently, live in "right-sized" homes and turn off the water when they aren't brushing their teeth or washing dishes. Because they have trained themselves to not waste money they won't waste anything else either. They get into good habits and keep them going. You can, too.

I love this article!  Good advice that is easy to follow.  It is so important to live below your means.  Just because you make the money doesn't mean you have to spend it all.  You don't need to keep up with the Jones's, I would much rather be the 'under the radar' millionaire than the one everyone thinks is a millionaire but, I have nothing in the bank.

Blessings to you all,

-Liza

Is it an addiction or an errand?

Good Morning Everyone!

Ok, I am crabby today, seriously sick of the wind and I need the sun!  Plus, my children are bugging me and I haven't seen my husband for more than 5 minutes without interruption since Saturday and it has been even longer since he and I have been alone.  I am crabby.  I need to remember why I am married to my husband!  Oh...that sounded wrong.  What I mean is, I really need a date with my husband, I need to catch up with his life and I need to get away from my children!  I love them but, AHHHHHHHH, they are driving me nuts right now.

Ok, I got to vent a bit, phew, feeling better, deep breath.  Hmmmmm, ok better.

Let's start over again shall we?  Good morning everyone!  So today, I am addressing shopping again.  It seems to be something I just don't understand.  Trying to understand it. 

It seems that people tend to shop every weekend or every Saturday or sometimes even daily I guess.  What I don't understand is, are you buying things every weekend?  What possibly could you need to buy every week besides groceries?

Maybe I am weird and everyone else is normal?  Plus, frankly, it isn't in my budget to shop most of the time for things other than food and toilet paper.  It kills my grocery budget when I need to buy things like laundry soap, hand soap, dryer sheets(have you seen the price of those lately!), shampoo, toothpaste,and toilet paper/paper towels.  That stuff can quickly add another $20-40 easily to my grocery bill.

Then, when I do decide I am going to go shopping for either myself, the children or my husband, I have to take money from somewhere else in the budget to do it because I don't have clothing in our monthly budget except for right before Sanibel and right before school.  Am I missing something?  Is this something I should be trying to squeeze into our family's budget monthly?

I feel like we have enough clothing, shoes, etc.  What do you shoppers buy when you shop?  Do you buy stuff for your home?  I just don't get it.  I have enough crap in my house, I can't imagine buying more.  Although, OH I would love to have new furniture some day!  But, that is what my savings account is for not my budget.

Is that what you shoppers do?  Do you take that money out of savings?

I am so confused.  My husband comes from a shopping family.  His mother has closets full of clothing with tags still on them.  She just shops I think sometimes to keep herself busy in retirement and being a widow.  I can understand that, you can't take your money with you and she gives a lot of money away so, then shop.  His sisters are big shoppers too.  I get that sort of too.  They were raised shopping a lot.  However, I think they like it too much sometimes because they seem to me, to shop all the time.  I am not sure if they buy stuff but, they shop a lot.

I know a few other that shop a lot.  I don't know when they have the time or where they get the money from but, the money part isn't really my business is it?.  I have many friends that go to certain stores every Saturday or Sunday and shop there.   I have NO idea what you would need to get at those stores every weekend but, apparently they need stuff there.  Is shopping an errand?  Is it something you really need?  Or is it an addiction?  Is it something to keep your mind off of reality?  Is that why Target is so gosh darn busy on Saturdays? 

 I wonder if sometimes it is an addiction.  I wonder if some people shop out of the addiction to buying things more than they like it or feel they need it.  I wonder if some people shop to soothe themselves.  Shopping because they need an outlet from the stresses of life whether financial, marriage, work, children, parents, etc.  But, doesn't shopping when you have no time and no money create more stress?

I have known a few women in my life that I truly feel have a shopping addiction.  I think they are/were covering up other feelings with shopping.  I often wonder if it is a transfer addiction.  Meaning, you know when an alcoholic goes into treatment and comes out of treatment smoking like a chimney, drinking pots of coffee, or eating pounds of chocolate?  I have never understood how you can call that treatment when all they have done is transferred their addiction to something else.  I think that is the case with some friends I have had that were addictive shoppers.

I have seen many times them lying about their purchases.  Whether it be the price they paid, how much they shop, or whatever.  If you are lying about your shopping, you are probably addicted.  If your children are dressing in rags or too small of clothing and you are dressed in something new almost every day, you are probably addicted.  If you think about shopping all the time and worry about when you are going to be able to do it again...well, you get it.

I think our society often tells us it is 'ok' to be addicted to shopping as long as you aren't addicted to drugs.  Or it is ok to be addicted to smoking as long as you aren't drinking.  Or it is ok for you to be addicted to coffee as long as you aren't gambling.  Whatever, an addiction is an addiction and if you need it daily to survive or just make it through life or it consumes your thoughts or you do it to make yourself feel better after a horrible day but, you find yourself having horrible days if you don't do your addiction...it is NOT a good thing.

So, back to the beginning, why do people shop?  What are the reasons?

Ok, enough!  It wasn't supposed to be a grumpy blog, I sort of got a little carried up in all of it.  Let's get back to something a little less serious. 

Hahahaha, on the subject of 'shopping', yes, this is why all that shopping stuff came out of me.  I went shopping yesterday.  I finally, oh yes, finally bought myself a new pair of soccer cleats AND a new pair of shin guards.  If you don't know why this is such a big deal, I have been saying for probably 5 years how much I needed new shin guards and soccer shoes.  I haven't wanted to spend the money, or we haven't had the money, or I couldn't find anything I liked or the store was too far or closed or whatever, I just hadn't bought myself a new pair of shoes and shin guards.  I finally broke down and did it.  I wore them both last night in my first game of the season.  The shoes felt great, the shin guards I don't like but, they don't make the style I like anymore so, I am going to have to learn to deal with it.

It felt great to have new shoes on!  My feet didn't hurt at the end of the game and they look fancy. lol.  Now, ready to be shocked...this is my first pair of new soccer cleats in 20 years!  HAHAHAHAHAHA!  I was still wearing my game cleats from high school.  Oh, and I played a year in college and I have been playing again for the past 15 or so years, all with the same pair of cleats.  My shin guards weren't as old, they were only 15 years old however, I think they lost their value about 3 years ago. 

It cracked me up, I had to get taught again by some guy in his 20's about what I should wear for shoes, socks, and shin guards.  I was told the brand that I love is really not that great anymore and about to go bankrupt and they don't even have a rep not just in Minnesota but, the whole mid-west.  Well that sucks!  He had a few pairs of those brand left but, he had me try on some other cleats first.  Guess what brand shoes I ended up getting?  Yep, my old brand!  He thought I was really funny.  Apparently what I liked about that brand and those cleats isn't cool anymore and people tend to not like that.  Well, good for them but, I do!

However, when it came to the shin guards, I was out of luck.  They don't even make the kind I like anymore, period.  So, I had to go with some crazy style that doesn't move and has removable parts that all I can think of is how quickly I will lose one of those parts.  Again, he laughs at me.  He really thinks I am funny.  Meanwhile, my baby is standing there pulling out the try on socks out of halved soccer balls and grunting while she is pooping.  Phew, she stunk bad!  Of course, my baby who poops mostly in the evening would decide to poop during the day while I was shopping and didn't have a diaper with me!

Again, he is laughing....apparently we are both pretty funny!  Actually, he was a great help and put up with a crazy old housewife that never leaves her bubble and hasn't stepped into a soccer store since the 80's. 

I also needed to buy my 5 year old a new pair of soccer shoes too as hers from last fall are too small.  So, up to the register, I am holding my breath.  The guy then tells me, he is going to give me 10% off my total purchase in hopes I won't wait 20 more years to shop there.  I laugh and tell him thank you.  The total wasn't too bad, it was actually a lot lower than I thought it would be.  So, I am pleased, my husband is pleased and my bank account is pleased.

Oh, and when I got to our soccer game, I had forgotten that we got new uniforms this year too so, I was looking super spiffy out there last night!  I didn't play super spiffy but, it usually takes me a couple games to get back into outdoor shape. 

Blessings to you all today and the sun is shining!(Came out while I was bringing babes to school...yeah!)  Oh thank you Lord!

-Liza

Live on less and be happy.

Good Afternoon Everyone!

So my husband was out of town this weekend.  He had a boys weekend in Wisconsin and I was at home with the babes by myself.  It went well, fast (thank God!) and I was even able to get some housework done.

Most important thing though is the kitchen was clean and the dishes were done when he walked in the door today.  That is hit BIG thing in the house.  The rest of the house could be falling apart but, as long as the kitchen/dining room are clean and picked up, he is happy.  I can do that.

So, I normally try not to write back to back blogs about the same or a similar subject but, I was reading the news online and ugh, it is doom and gloom!  So, I thought I would write about finances again.  Just with a different spin.

Let me tell you all something right now.  There is absolutely NO reason to be so doom and gloom about the economy or your retirement account right now.  Yes, things are not great out there and you may have lost a job or might be losing a job.  You might even be wondering if you will be able to keep your home or car, etc. 

Steve and I have been there done that.  However, we went through it when everyone else was riding the high horse of a great economy.  It was horrible and it sucked and we don't want to have to go through it again.  But, very rarely were we doom and gloom.  Why?  Because life is so much more than money.   We chose to look at the positive parts of our lives and our family and kept the focus there.  We continued to focus on our children and our marriage.  We knew that is our family unit was strong, we would and could make it through anything.  We were right and we did.

It was over 4 years of clinging to our family and really holing up together and just focusing on God, us, and our children.  We were on our knees daily and we were grateful for each moment.  We were all healthy, we had kept our home(it was touch and go many times!), we had to adjust our lifestyles but, our children never knew.  Nor did they care.  They only knew that mom and dad were happy, they were happy and life was good.  It was hard sometimes but, life was good.  We had a love for a God that loved us more than we could ever imagine and he was watching over us, even if we couldn't feel it, we knew he was there.

I believe it was our faith in God that pulled us through those times and in the end, we were a stronger family unit, stronger in our faith, and were happier with life.

Having no money is NOT doom and gloom.  It is NOT the end of the world.  Money does NOT bring happiness.  It doesn't even make life easier sometimes, it makes it harder.  It was a very simple life we led while my husband looked for work or worked odd jobs.  It wasn't filled with overloaded schedules and packed weekends.  We hung out more as a family and as a couple.  We cherished our family game nights, our card playing, our simple BBQ's in the yard.  We grew to love the challenge of finding bargains and coupon clipping.  Our weekly grocery lists became a family affair as everyone listed what they wanted for dinner one night based on the Sunday ads for our local grocery stores.

Life doesn't have to suck because you can't retire when you wanted to or you have to work a 2nd job or, gasp, you can't buy yourself a new outfit!  Life is so much more than shopping, going out to eat, fancy dinners, new furniture, new cars, etc....  Life is what you make of it.  Life is great!  You can choose to be miserable or you can choose to be happy with what you have been dealt and find a way to make it work.

Sometimes you need to re-evaluate your previous thinking on money and what makes you happy.  I read in the Star Tribune (our local paper) today something that really stuck with me.  It was from a life coach with no financial background.  She said that often people need to get rid of old money beliefs because they tend to hold people back.  Oh so true!  She then said for example, 'the belief that with each new job you need to make more money to be successful, even though you could life on less.'  I couldn't agree with her more!

We as American's are told we can't be happy without new shiny cars, new clothes, new kitchens with granite counter-tops, we need bigger and better!  Not true.  We need to minimalize our lives and our lives will be richer and more fulfilled.   We will me more grateful for the things we have and for our family and friends. 

I need to end here, baby woke up from nap.  Blessings to you all!!!

Here is the link to the article I read this morning that inspired this blog:  http://www.startribune.com/lifestyle/yourmoney/44188752.html?page=1&c=y

-Liza

May Budget and cash

Good Morning Everyone!

So this morning, I find myself very lazy.  I mean VERY lazy.  I have plenty of things I could be doing, some things I should be doing but, I only have two children and no husband today so, it is very tempting to just be lazy.

But, I need to get to the bank!  Friday was pay day and ugh, momma needs some money!  We only get paid once a month so, it is very difficult to budget for the entire month, especially when odd things come up and you don't expect them.

So, this month I thought I would write out my May budget ahead of time.  I wrote down everything I knew I had to pay and things I thought I might have to pay and (insert scream here) it left me only $500 for the entire month for groceries, gas, lunch money, and anything else unplanned.  Ok, THAT is NOT going to work!

Well, God was watching over our family again as our big check we had to write to our daughter's school for next year wasn't as big as we thought it would be and we got a refund from our life insurance so, that gave us almost $500 more that we didn't plan on....phew!

Now, for those of you who are like...what is she talking about?! She needs $1000 a month for gas for one car, groceries and lunch money?!  Well, our grocery bills are on average two to three times the size of the normal family of 6 because of our food allergies.  I went from spending about $125 a week to spending now almost $300 sometimes more a week.   It is crazy expensive to have children with allergies let alone 4 children with allergies!

Ok, back to the budget.  So, we are trying something new this month, I will let you all know how it went at the end of the month.  We are leaving all our money for bills and such in the checking account but, taking out cash for all other things.

I am then going to divide all the cash into separate envelopes.  So, there will be an envelope for babysitter money, grocery money, gas money, lunch money, etc. 

Then, if I run out of one envelope...well, too bad.  I think it will be easier to balance the family budget for the month if everything is broken up like that.  I have tried to just work on cash each week but, it was really hard to divide it all up and figure out how much I needed for each thing.  This way, I already know all the nights we will need sitters in May so, I will have the sitter cash all ready for them and if I run out of sitter cash at the end of the month..we will just have to cancel plans or come up with some other plan.

I think it will really help with groceries too.  Because many times I don't add Costco trips, Target trips, or our milkman to our monthly budgets and that gets me in trouble.  It is hard to add Target and Costco for me because I tend to only go there occasionally.  Costco maybe every month or two and Target usually once a month, sometimes not even that much.

But, then there are times where I have people over or I need something specific or we run out of our 100 rolls of toilet paper we bought 6 months ago and I need to restock.  That is hard to budget for.

It is also hard to budget for your dog getting sick and needing a $3000 surgery only for him to die and then a month later you have to pay almost $300 for a new dog.  THAT really messes up your monthly budget!  Again for those of you new to my blogs, we don't have ANY credit cards, not one.  So, everything is month to month on our finances and everything is paid for with debit card or cash/check.

It keeps our debt at almost $0 and it really keeps your spending in check.  I would highly recommend to anyone who hasn't tried it, to go without credit cards.  Even if you only do it for one week but, I think you should try to go without them for a month or more.

You will quickly find how addicted you were to them and how you really don't need them they are just very convenient.  It is easy with a credit card but, it takes work to only spend cash. 

I personally think spending money should take work.  You worked really hard to get that money, you should work hard spending it too.

So, pray for me and my new budgeting and hopefully it will work!  Oh, I am still under the big 1_0 number on the scale.  I haven't lost anymore weight but, I figure it took me 5 weeks to lose 3 pounds, I can wait for the next pound or two to come off too.  As long as they come off!!!!!

Blessings to you all as I head off to the bank and my new adventure in budgeting :-)

-Liza

PS:  Welcome all new blog readers!  So glad you are here.

It can be fun to save money and a good lesson too.

Good Afternoon Everyone!

I don't have much time since my daughter's bus comes soon but, thought I would write a quick blog about saving.

As many of you know, I am very thrifty.  I don't like shopping much and when I do shop, I really don't like shopping for myself.  I prefer to shop for my husband or the children.  Anyone but me.

Today, it was the children's turn.  I had some GymBuck's to spend which for most of you know those are from Gymboree.  I had $100 in Gymbuck's to spend.  I had $25 of my own from previous purchases and $75 my mother gave me from things she purchased for the children.

Gymbucks work by for every $50 you spend you can exchange $25 worth of Gymbucks in.  So today, I could purchase up to $200 worth of clothing for $100 of my own money.

Well, I wanted to let you all know I did that and how I did it.  First of all, I only spent $20.52 out of our family checking account for all of the clothes...how you ask?

Because every time I go grocery shopping, I put all of the money I saved using coupons and put it in a jar in my dresser.  That is my money that I use to pay for what I call, the non-necessities.  I didn't need to shop today for the children but, I wanted to.  I had $80 in my savings jar and then I took $20.52 out of the checking account to pay for the rest.

I added up all of the prices for everything and found out that I got $446.25 worth of clothing for $100.52 however, if you factor in my savings from my grocery money, really I only spent $20.52 of 'family' money. How great is that? 

I was able to purchase 3 pairs of shorts for my son and for my daughter's I got 5 pairs of leggings, 1 dress, 1 skirt, 1 sweater, 2 swimsuits, 5 shirts, 2 pairs of shoes, 2 pairs of socks, a necklace and a bracelet. 

I challenge you ladies to start putting your family first, putting your finances on hold.  I challenge all of you to cut down your shopping trips, you DO NOT need new things.  When was the last time you wore something twice in one week?

Look at your children and your husband, they are a direct reflection of you.  Are you dressing heads and tails above and beyond them?  Bring yourself down a notch or two and bring them up a notch or two.  Meet in the middle.

For me spending on myself isn't an issue, it is spending money on the children's clothing.  That is why I came up with my jar of savings in my dresser.  If I want to go shopping or buy something frivolous that is my jar I can spend from.

That way, I am able to budget our family finances much more and spend the money in our checking account where it is really needed, groceries, bills, gas, etc.

I know that if each of you had your own change jar, it would really 'change' how you spend.  It makes you think about things a lot more and will help you control those impulse buys.  If you have no money in your change jar, you have no money.

Steve and I DO NOT have a credit card.  Not one credit card.  When we go on vacation, it is paid for with cash, when I go grocery shopping cash, clothing shopping, cash, everything is paid for in cash.  Camps, tuition, car payments, gas, EVERYTHING.  When we are out of cash, we really are out of money.  Period.

I will tell you right now, it will make you re-think your spending.  Cut up the credit cards.  Cut them up.  Or give them to your husband, a friend, put them in a safety deposit box, just put them away.

Now, make your grocery lists and menus for the week based on the coupons in the Sunday paper (yes, it costs $1.75 a week if you buy it off the newsstand or about $.35 if you subscribe however you will save at least triple that weekly) use the Cub or Rainbow circular and go from there.

Each week for example, Cub has great coupons and in-store savings.  This week is the buy one get one meat sale.  It is on ribs, pork chops, chicken, and hot dogs just to name a few.  Plus they also have buy one get one bags of Organic apples and potatoes.

Right there, just in those savings, you can buy yourself a new pair of shoes from Target or a couple shirts or start saving that money toward a new pair of $200 jeans! 

It is amazing how quickly that money adds up and the great news is, you don't have to explain to your spouse anymore about your spending, you can go shopping without lying or without guilt.

For me the best is when I need to buy birthday or Christmas gifts and I don't want my husband to know about them or how much things cost.  Well, for a stay at home wife, that is very hard since I have NO income.  This is my way of having sort of my own money.

Try it out, it is pretty fun and I think it teaches our children a valuable lesson in saving too since they can see the actual money you are saving yourself in your own 'piggy bank' and how great it feels when you have saved up enough to buy something fun with it.

Good luck and have fun!

Blessings to you all,

-Liza

Tea Party

Good Morning Everyone!

Isn't life great?!!!!  The sun is shining, blue skies and it is going to be 68 glorious degrees here today in Minnesota!!!!  YES!

So, my life is very good and my outlook is a very happy one today.  I am WAY behind in my wife duties, my motherhood duties and my household manager duties but, the sun is shining and it is going to be warm today.

So, today is Tax Day!  Are you all ready for it?  We are not.  lol.  My husband did file for an extension though so, phew, we are covered, for now.  Actually, it is a business thing as he is a new owner and we haven't gotten everything quite figured out tax wise going from dead broke to a business owner and actually making some money.  This is all new to us so, we actually hired someone to help us.

As a now bigger taxpayer than ever before because my husband owns a business we are getting hit with more than ever before.  So, I am becoming very aware of and very interested in what our city, state, and federal governments are doing with our tax money.

It is very disheartening to me how much they want to tax us and how little it will really benefit anyone.  So, I am suggesting anyone who is also sick of this and worried about their financial future to attend one of your local Tea Parties.  There is AT LEAST one Tea Party in each state however, with over 400 of them planned for today, it is a pretty safe bet you can find one close to you.

I urge you however, to know what you are protesting against, to be peaceful, but, LOUD.  To be courteous and calm.  You will never get your point across if you cause problems, destroy property, or cause any damage.  Use your voice, do everything legally and you will get more done.

We can change our governments, we just need to stand up and protect ourselves and to protest the things that can harm our very freedom and Democracy.

I will tell you the two taxes I am MOST against and most in fear of the government passing.  They have not passed yet but our current government wants them to.

Number one is a 90% tax on EVERYTHING you make over $200,000 a year.  What?  This means, not only are you getting taxed at a very high 30-45% on your first $200,000 but then, anything you make over $200,000 will be taxed at a whopping 90%!  That is insane and highway robbery! 

Now, we are NOT even close to making that kind of money but, being in the business my husband is in we know a lot of people who do and I am telling you all right now, it will be detrimental to our society as we know it.  It will cause a lot of  money to go underground, it will dry up local giving, dry up community giving and state giving. 

It will cause our top 10% of earners to halt all extra giving they do.  It will also, I believe, cause companies to start putting salary caps on their employees.  Now, for many of you that sounds like a good thing, not so much.  It doesn't mean those people will be 'making' any less a year, they will just be getting their money in different ways.  What does that mean? 

Well, for instance, I believe, it will bring back the car allowance, the housing allowance, company trips, company funded outings, company gifts, etc.  These companies and employees will find ways around this 90% tax.  Now, yes, some of it will be a good thing because many of these companies will start putting money back into the dying or already dead business incentive industry and it will look like the 80's and 90's again with business travel and incentive trips. 

But, it is a very bad thing for our overall economy.  It will really hurt the middle of the road businesses and workers who may make $250,000 or 300,000 a year however, really aren't living the high life and are yes, living a VERY comfortable life but, you put what is left of middle class America in peril.

Second tax I am very concerned about is lowering the charitable giving tax deductions from 10% (many times more) to only 4%.  That is insane!  With that our federal government will crush and hurt the local economies.  Let people give where they see fit, in their own communities and churches. 

I don't want all of my tax money going to the government so that they can decide who gets it.  I would like it to stay in my city, in my neighborhood, in my community so that it helps people at a local level.

I don't believe our federal government knows more than our local governments or communities where the need is needed most.

In my heart I know that if the federal government was in charge of passing out the giving and the money to local communities when Steve was unemployed, we would have lost our home, we would have gone hungry, and we would have had a much harder time finding the community help that made those 4 years bearable.

Besides, wasn't income tax supposed to be a temporary thing?  I believe it was originally to support war of 1812 and then again WWI.  I feel we are starting to get taxed to death. 

Please support your local communities and get out there and stand up for yourself and your family!

Get out there and Tea Party it up people

Blessings to you all!

-Liza

Welfare, Government, Education, and Freedom!

Good Rainy and Cold Morning to you all!

Ok people, I need to warn you all right now, I am highly charged up about some things right now and I am also letting you all know, they are ALL political so, you are fairly warned :-)

So, this morning I am listening to my favorite morning show on the radio and I hear them talking about our state's budget and how a whopping 71% of it goes to Public Education AND Welfare.

Ok, here comes my anger, thoughts and just random things about this.

So, we aren't talking about cities or counties here, we are talking about the STATE!  So, our state budget is mostly spent on Education and Welfare.  Ok, so that is telling me that only 29% of our budget goes to roads, public parks, lakes, housing, business, and on and on and on.

We are so focused on Public Education and Welfare in this state it is maddening!  Especially since both of those systems (I believe) are failing miserably!

So, you are about to hear MY opinion on a lot of things here....

First of all, Public Education is crap!  You heard me, crap!  If our state is paying for so much of it why are there such discrepancies in different counties and cities then?  Why is there open enrollment if the state is paying for so many of the programs for public schools, why are we paying such high city taxes for them and why are we having constant fundraisers and still I feel many of the buildings are horribly inadequate for children to learn from, many schools don't have the basic needs and I have to contribute most of the school supplies for my children every year?  Why don't all the schools have computers, new books, great libraries, clean/safe places to learn and why the H E double hockey sticks do we have open enrollment?

We complain all the time about how little is spent on Public Education but, after hearing about our State's budget, I think we all should stop complaining and start figuring out what is going on here?!  Stop paying these superintendents the obnoxious wages they are making, stop paying for busing students from one end of town to another just so they can go to a different school than their local one.  Stop allowing students to come into a community for school that they don't live in,  they don't shop in, and they don't spend any time in!

I think open enrollment is ruining our schools and our communities.  I understand that people want everything to be 'fair' but, life isn't fair people!  With equality you lose freedom and with freedom you lose equality!  Our country was based on FREEDOM! 

We have the freedom to make our lives however we choose.  We CHOOSE the life we live.  We CHOOSE the job we have.  We CHOOSE the places we live.  We CHOOSE how we raise our children.  Yes, some people have more choices than others but, we all have choices.

I am sick of people thinking the 'rich/white man' is keeping them down....by the way...my mother thinks this too.  I was raised by a woman who hated powerful men because she thought they were keeping her 'down'.  Not so, it is all what you make of your own life.  No one can keep you down unless you let them keep you down.

If you don't like where you live because the schools suck, move!  Or if you don't like your public schools where you live, send them to private.  I am not just talking about rich and poor people, I am talking about everyone.

My husband and I made a continuous effort and decision to move to Richfield 7 1/2 years ago.  We chose Richfield because of the quiet community and decent schools.  We also decided the schools didn't fit into our way of life or what we thought was best for our son so, we sent him to private school for 2 years.  Now, this year, we transferred him into our local school and our daughter goes to another local school here too.  In OUR community and neighborhood.  We like the schools, we think they offer a fair education to everyone and they have done a very good job of teaching children at all levels.  However, once you get to the Middle school and High school...things change.   Many of the neighborhood children leave.  Why?  Because they aren't safe for our children anymore because of the high percentage of bused in students from poorer/harsher neighborhoods.  These kids come in and don't have a sense of community here, their families don't live here, their friends don't live here and they aren't involved with our community unless they play a sport for our schools. 

They are what I call, 'transient' students.  They have no stake in our community so, they don't care about our community or the people in it.  So, when you don't care about things, you don't take care of them as well, you don't treat them as well and crimes go up and test scores and grades go down.  The gang activity in the high school is obnoxious!  There are certain hallways that certain students know never to go down, there are places in the school that are safe and unsafe.  That is ridiculous to me.  Everything in a school should be safe.

Or you have the problem with our neighboring community.  They are wealthier and have issues with open enrollment too but, this is coming from the even wealthier city lakes areas where these families chose to live in a community with horrible schools and fancy homes and they won't send their children to those public schools because they aren't good enough for their children but, they will let the neighborhood next to them pay for the busing of their children to some other public school and over-crowd the classrooms and take advantage of the great schools and great sports teams without paying any taxes to those schools and those communities.  If they don't like their public schools, change them!  If you all band together as a community and work on your schools together, you CAN change them.  Or send your children to private school....if you live in a house that costs $1 million or more...you can afford private education.

So, I think not only are we obviously spending WAY too much on education and not getting the types of results we should be getting but, I think open education is crippling our state's education system and budget even more.  I think there should be a cap put on how many students can come into a school from another area.  I think it should be a percentage.  Maybe no more than 5 or 10% of students can be from out of their area.  Or better yet, let the communities and the school districts decide how many children they will accept from other areas maybe no less than 5% but, no more than 20% or something like that.

I think it is sad that in our little community only 72% of our communities children attend our public schools.  I think open enrollment and the constant switching of schools (we change schools every 3 years here) are the 2 largest factors in that.

I have SO much more I can say about that but, I could type for days on Public Education...let me at it about teacher unions, tenure, and faculty wages...oh don't get me started on the vacation days, the summers off, etc....

So, time to move on to Welfare.  Minnesota is known as a Welfare State.  It is known all over the country that we have some of the most lax and easy welfare in the nation.  It is horrible.  We pay too much money to people without really helping them out or making themselves help themselves! 

We are quick to give free health-care and welfare to immigrants whether they are legal or not.  We don't care here in Minnesota.  You come to Minnesota from another country did you know that we automatically without question give you all FREE state health-care?!  FREE!  Whether you are here legally or not.  FREE health-care.  How many of you working families have free health-care?  How many of you Minnesotans that have lived here your entire life, pay taxes, spend money in Minnesota, use our resources, parks, lakes, etc...how many of you have FREE health-care?

It is insane.  I understand there reasoning behind it...because they are afraid they won't immunize their children and won't see doctors and such if they don't give free health insurance.  I brought up the point once, why don't we just set up free immunization clinics around town instead or set up places and times they can get free immunizations.  I was told they want to do it that way but, they have heard from the communities that most wouldn't come because they would be afraid it was a ploy from INS to round them up and deport them.  I think sometimes, that might be a VERY good ploy. 

My relatives came over here legally from Ireland, Germany, France, and Sweden.  They fought against harsh stereotypes and had to learn English or they wouldn't succeed in this 'new land'.  They weren't offered an interpreter every where they went or when they went to go get a drivers license offered the test in their language....even though our road signs and such are all in English!!!!  That makes no sense to me by the way.

My relatives from Germany got off the boat and HAD to change their name to something more 'American sounding' so, our family name went from Schmidt to Smith.  We don't gripe, we don't moan about it, we just chalk that up to our family history.  We aren't upset that we are the Smith Family now instead of the Schmidt family.  Who cares?  We certainly don't.  We were grateful for the new chance at a new life in a new country.  A country where we could be free.  A country that didn't rule us.  A country that if we worked hard and followed the rules, we could do and be anything.  We didn't rely on handouts or a government to take care of us.

Even when my husband was out of 'real' work for over 4 years, we didn't get government money, we didn't get food stamps, we didn't get a welfare check.  Oh...by the way...we did try to get at least food stamps but, I was told that my husband needed to quit his part time job before we would qualify.  Yep, they told us that even though we were a family of 5(at the time) and he was only making about $500 a month we were making too much to qualify and it would be much better for us if he didn't work and we let the state take care of us.

Are you friggin kidding me?!!!!  He wanted to work, he didn't want to accept money for nothing.  We were only looking for some temporary help.  I was also told that the time frame we were looking at for help, they required us to be on it a longer period of time or we didn't qualify.  So, let me get this straight...our state is spending over 70% of its budget on Public Education and Welfare and we want people to make a long term commitment to being on welfare and we want people to not work while being on it.  According to the people I talked to, it just makes it 'easier'.  Well, I think it also loans itself out to people just being 'lazier'.  And not relying on themselves.  WE are creating lazy people who aren't willing to take care of themselves and their own families.

Ok...now back up there.....I do completely understand that some people really need help and don't take advantage of the welfare system, I agree it is a good system 'in theory'.  However, it has been over run, under run and everything in between for years and needs a massive overhaul. 

More proof?  Ok, my daughter goes to a class with a couple girls whose mom is single.  One of the girls has Asperger's (like my son...whom we receive NO state money for or extra funding besides a little bit of special ed in school) she told me her girls get free day care...oh yes, they get free day care but, she doesn't work!  Oh, wait, yes, she has a job.  She works at a local store and has for over 3 years.  She works on night a week for 3 or 4 hours and has done that for 3 years.  Sometimes she only works every other week.  She has her children in day care 4 days a week so she can have some time to herself.  She is very excited when they go to all day kindergarten next year.  Also, she receives social security for her daughter of $550 a month for her one daughter that is special needs(just like my son) and she gets food stamps and a welfare check.  Her daughters also get free activities from our city that include swimming lessons, dance lessons and sports.  She also is in section 8 housing. 

She told me(I didn't even ask people...she just blabbed this all to me one night) that she only works one day a week because she just really doesn't want to work.  NO LIE!

Ok, these are the kind of people that are bilking our welfare system and our state and city to death!  These are the types of people that need to be pushed off of welfare and pushed into the working community.  Get them out there working, contributing to society.  What are they teaching their children?  What are WE teaching their children if we allow this to continue to happen?

I think we have a broken system when we see generations of the same family on welfare.  Something is wrong, something is broken and giving them more, Mr. President, is NOT going to help them get off of welfare and become active and productive members of society.

Giving them free education when they don't care about learning anyway is NOT going to help.

Now...onto another issue I have.  So, our President wants to tax 90% of anything people make above $250,000 a year.  Let me say that again, if you make say, $400,000 a year...on top of your normal taxes on the first $250,000 on your $150,000 after that...you will be taxed 90% on it!!!  Are you flipping kidding me?!!!!

Now, we are NO WHERE near making that kind of money however, that is insanity.  If our President thinks that will bring more money into our economy he is a certifiable nutcase.  Sorry Mr. President but, that is how I feel.

You don't think companies will cap all of their people at $250,000 and find other ways to compensate?  That will bring back the long ago car allowances, housing allowances, food allowances, company trips, company picnics, company planes, etc....these people will still make their money, it will just be in different ways.

I predict that if all these changes go through, the government won't get more money, it will lose more money.  More people will just live off the government and be fat and happy.  They will live off the hog and be ok with that.  We will teach an entire generation to be reliant on the government not on themselves. 

People will stop working so hard as they will only get punished for doing well anyway.  We will become a country of lazy workers, lazy people and many things will go by the way-side.  Many will lose ambition.  We will lose so much of what made America great in the first place. 

You let your government take over your banks, your car companies, your decisions...you let them take over your life!  You will slowly find yourself being told what you can't and can eat....you will find yourself being told where you can and cannot spend your money.  You will be told how to work, how to play, and how to think.  You will slowly lose more and more freedom.  Freedom that our ancestors died for...freedom that our military has died for.

We will no longer be the land of the Free.  I don't want to lose my freedom, I don't want to my children to lose their freedom.  Keep an eye on what is happening in your city, your state, your country.  Read the news, watch the news.  If you don't understand something or it doesn't make sense, ask questions!  If you don't agree with something, stand up, fight for yourself and your children!

Stand up people, get your heads out of the sand and pay attention to the world around you.

Blessings to you all,

-Liza

Our story and ways to not repeat it.

Good Evening everyone!

So, I have been thinking of more money saving tips I could give to all of you, thinking of more ways to get you all to cut back on your spending and realize how much in our lives is really just 'stuff' that we don't need.

One of my dear friends told me yesterday that she thinks I should put all of the things I did to help our family survive for 4 years with little income and sometimes no income coming in.  For those of you who don't know the back story here is a quick little synopsis.

So, my husband worked for a big firm in Minneapolis as an Institutional Trader.  Well, they decided to move all operations to NY.  We could have chosen to gone there but, yuck, we are NOT New Yorkers and we would have been moving there on a Minnesota salary, no can do there.  So, he did get a very nice severance package.  So, after taking the summer off, he started to look for work and discovered how hard it was finding something in his field.

Finally, he found something and it was a good salary, actually about $20,000 more a year than he had made before!  Which was great since we were expecting our 3rd child.  So, he works there thinking he is going to be there for a long time and such.  Well, when our 3rd baby was about 6 months old, he got laid off.  Yikes.  We knew it was hard just a year earlier, how is this going to work?

Well, it didn't work out well.  At first my husband thought he could trade for himself...apparently, he is MUCH better at trading other people's money than his own...the fear factor comes in to play too much with your own money.  He did that for a while but, never really making more than just enough to pay the mortgage and a handful of other bills but, not all of them.  Plus, we had purchased a desktop and a laptop on credit for his new adventure. 

Then, after figuring out that wasn't working, he tried to start a company with some friends....didn't work, then he did handyman jobs just to get groceries.  We were NOT doing well.  All of our bills were piling up, our babies were growing, things needed to be paid and weren't getting paid.  For a while there, we had absolutely NO money coming in. 

Then, at Christmas time Steve put an ad out and hung Christmas lights for people, that paid enough for us to buy the children Christmas gifts that year, another year past, he did the same thing the next year.  Now he did have a job, it was decent pay however, still 1/2 of what he had made before getting laid off.  But, it was helping to stop the bleeding.  I in the meantime was selling things like mad on eBay and purchasing most of the children's clothing on there too.  Our son was now at a private school for Kindergarten.....bills piling up even more.

We have been going to a food shelf monthly for about 2 years at this point in time.  Our mortgage payments are getting made less and less.  We discover our children all have wheat and dairy allergies, our grocery bills triple just from that alone.  Times are getting dark and desperate. 

We feel that things might be starting to get better, things are going ok at his new job, pay still isn't terrific but, it is a paycheck.  Steve still can't get a 2nd job anywhere as they won't hire him because he is over qualified for everything.  I am working once in a while for a law firm at this point to try and help.  We pawn our watches to pay some bills and to help get us some spending money for our annual family Florida trip(Steve's mom pays for)

Well, we decide it is now or never for the 4th baby, things are stabilizing a bit.  The day we find out we are pregnant with our 4th...is also the day Steve is no longer working at his job.  Wow, now what do we do?   A miracle happened just before that...we get a bit of inheritance....we quickly decide how to split it up.  We quickly start a remodel on the kitchen...if there are going to be 6 people in this house, we can't live in a 9x10 kitchen next to a 10x10 dining room.  Construction starts.  6 weeks later we have a new larger kitchen.  We have paid off some bills, tried to pay some parts of others but, they are still piling up again. 

No money, things are bad...what are we going to do?  We are told we are too poor to file Bankruptcy yet, the notices keep coming for those Sheriff's auctions on our house, we can't lose our house!  We just can't. 

Steve is interviewing everywhere for every kind of job.  He is desperate, we are desperate, wow, this is really getting bad.  Finally Jan 08 Steve gets in touch with someone and they put him in contact with someone else.  Steve battles his way into the interview with shoes that have holes on the bottom in the middle of winter, I think we had to borrow money for him to pay for parking downtown.  Finally, he gets a job.  It is scary again, no benefits, salary is a draw, no guarantees.  This is NOT what I wanted, I wanted insurance, paid vacations, salary, and a bit of stability.  This is too risky, I am afraid.  However, I trust my husband again, I know he can't fail, he knows he can't fail.

Well, here we are 15 months later, he is still there.  Things are going well.  We are still digging our house out of massive debt and ourselves however, there is a light we can see it now!

We have 4 great children, our marriage is strong and close, we have great friends and we even have some money to spare monthly to put into savings.  We aren't out of the woods yet but, we aren't lost in them anymore either.

We still live like we are poor and we still hold our breaths right before each paycheck is supposed to come.  We still can't believe they come on a regular basis.  We still find it hard to believe we aren't going to the food shelf anymore.  I struggle still with spending any money as I am so afraid it will all go away again.  It could, who are we kidding, it could all go away again for sure, I think many of us who felt we were safe are feeling a bit nervous now.

I am telling you all, from first hand experience, be smart, live like you are poor.  Live like you can't afford things.  Think about all of your purchases before you make them, do you really need that new cell phone?  Do you really need that new TV, that new laptop, iPod?

My best advice to all of you is when/if you or your spouse ever gets a new/higher paying job or gets raise, continue to live on your old salary and put the rest away.  Don't live beyond your means and cut up those credit cards!  I am so grateful that we didn't have a lot in credit card debt!  That would have sunk us for sure.

We actually have not ONE credit card and not really sure we ever will.  What is in our checking account/savings account is all we have in our world...when it is out of money, we are out of money.  There is no back up plan on a credit card....that is too dangerous.  We need to balance and manage our money every month/week/day.  We need to make sure it is going to last the entire month and then some.  We need to plan for those car repairs, those household expenses that come up.  We try and put away the same amount of money each month for our family vacations so when it is time to take them, it isn't such a big gulp of money.

Nothing, not one thing of ours goes on a credit card, not ONE thing.  We buy nothing with credit.  We still have only one car and won't buy a 2nd until we can pay cash for it.  We will not add on to our house unless we can pay cash for it.  We won't move to another house until we can put a substantial amount down on it to keep our mortgage around the same as ours already is.

We are afraid, it is good to be fearful.  Nothing is promised.  Nothing is guaranteed.  God does not promise us that life will be easy.  The world doesn't promise us that either. 

Live like you are poor.  Don't live like you are cheap though, there is a difference!  Tithe your 10% or more, give to those who might be struggling, help out your local charities, continue to give the way you have always given unless it will put your family in financial hardship.  But, your tithe and your other giving should be one of the last things you cut back on.  There are many other things in your life you can cut back on first.

Ladies, I have said it before, I will say it again, you don't need designer jeans, you don't need to shop at certain stores or even certain areas...ie 50th and France, you don't need computer upgrades or the latest and greatest phone all your friends have.  We aren't in high school anymore living off our parents dime...this is the real life, most of us have children, most of us have others we are responsible for and most of us have spouses too.  We should be cutting back on our haircuts, our colorings, our waxings, our shoes, oh yes, I said shoes!  We don't need to be going to Starbucks for coffee, make it at home! We don't need to drink wine with dinner or buy gifts for our friends. 

These are tough and very uncertain times we are heading into.  We don't know what the future holds.  But, we can control some of our future by starting to cut back today and save, pay off any bills you can and don't create any new ones!

Lean on your friends and family and most of all God in these times.  We ALL need each other.

Blessings to you all,

Liza