Tuesday, November 29, 2011

My Journey to Financial Peace

     "If you will live like no one else, later you can live like no one else!"- Dave Ramsey
         This is my journey to financial peace and becoming debt free. I am sure you all have heard me talk about Dave Ramsey over and over again like a broken record player, but if you ask me or my husband we will both say it has changed our lives completely. I know that probably sounds very cliche and I am a little obsessive but it is so true.
  My husband and I start our Financial Peace journey back in January through our church. We attend classes once a week to watch videos of Dave Ramsey speaking about becoming debt free. Since January my husband and I have paid off all our credit cards, saved our emergency fund and have almost completed our 6 months of expenses into our savings. I still cant believe we have been able to accomplish this in under a years time with only a one income household and had a baby in the middle of all of this. So you cant tell me this doesn't work and there is no way you can get of debt. We are a family of 5 with one income way under six figures. We are not trying to become rich, we just want peace of mind and a happy future.



    Now don't get me wrong this road is very rough and you are tempted everyday to veer off your path. Breaking all your old spending habits and sticking to your envelopes has been one of the toughest things to do. When you see all your friends going out and having fun and buying the newest technology right when it comes out, you get that itch so bad to join right in but when you don't have your envelope for that item or the cash to put in your envelope you just have to get left behind, for the moment.
                                "One definition of maturity is to delay pleasure"-Dave Ramsey
You see I may not have the money to go out and spend for the spur of the moment items but what I do have is my emergency fund. I have had to use my emergency fund and rebuild it a few times because we have had unexpected expenses like having to buy new tires or a broken down car to have to pay for. If it wasn't for our emergency fund we would be panicking and trying to figure out where that money was going to come from or put it on a credit card and get us into further debt.

Finally is how we learned to change our spending habits and save all that money for the emergency fund. This was done by the envelope system that my husband and I do religiously every month. We build an envelope for each one of our expenses like gas, groceries, eating out, etc. At the beginning of each month we fill all the envelopes with cash and use only that cash from each envelope to buy what we need. If we run out of cash in an envelope we cannot buy what we need. This really makes you think about what you are spending and if it is important.

Click on the photo for down loadable envelopes at Todaysnest.com

or
For designer cash envelopes
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In conclusion, my husband and I have not reached the end of our financial peace journey and still have a lot of work to do but we are slowly getting to a place where peace of mind and complete debt free lives are just in arms reach. This program works wonders if you are willing to put in the discipline into changing the way you spend your money. I hope this blog has inspired you to find your own financial peace. Stay tuned for our financial updates on reaching our goals and finding financial peace.

p.s. Don't forget to make an envelope for Abby's TuTu Factory ;) LOL

Monday, November 28, 2011

It's Monday Giveaway! Sew Cute Sweets super adorable Cupcake Party Hats


Winners are
#2 Yvette Belinda
#9 danipacheo0
#27 Sara Holt
email your mailing address to abbystutufactory@email.com


To Enter this giveaway simply put in your best comment below.
3 winners will be drawn from the number of comments entered.
You may only enter once!
Contest ends on Friday December 2 and winners will be chosen.

Today's giveaway is the absolutely adorable cupcake hat by Sew Cute Sweets. 
Visit her website at www.sewcutesweets.com
About her products


A home-base business since 2006 – all Sew Cute Sweets gifts are 100% handmade lovingly in the USA by an artist with a passion to create that wants to eat her cake too!   
These confectioneries are made from scratch with the most ‘wholesome ingredients’ – recycled felt made from post-consumer plastic bottles.  

Send a greeting with  
Sew Cute Sweets  a selection of handmade fabric and felt confectioneries.   Send a BreadCatTM, new baby gift,  Birthday Cake, Cupcake, Cupcake Hat or Fortune Cookie Greeting.  Each gift can be personalized for that special person and occasion.   Cupcakes Hats  come ready to wear or just as a cupcake and each can be personalized.
www.crashcanstudio.etsy.com

Enter Your Best Comment Below

Monday, November 21, 2011

Christmas Gifts under $20

These days everyone seems to be pinching pennies and trying to find as many ways to save as much money as possible. If you are a huge fan of Dave Ramsey, like I am, you know to start saving for christmas way in advance so you are not surprised that it has come early this year. But even if you are super prepared to start shopping for all your christmas items, you find yourself cringing at the thought of how much you need to spend on each item and even if your family and friends will like your gift or not.
Here I have gathered up some fabulous gifts I found for $20 and under. I may not be the best blogger but I am a superb shopper and pinner on Pinterest.com. I hope you enjoy these items and let me know if this blog helped in any way.
Only 33 shopping days til Christmas
http://www.allcapecod.com/shoptillchristmas.cfm

 1. Apple Cranberry Exfoliating Soap $5.75
     Etsy Shop EcoChicSoaps
 2. Back to the Future Onesie $13.99
     Etsy shop 3rd Coast Collaborative
 3. Deluxe BBQ Rubs $19.95
     Etsy Shop CraigsMarket
 4. Shiner Bock Beer Soap $7
     Etsy Shop DailyRepose
 
                        5. Fornash Aqua Enamel Horse Bit Bangle - $12.50
                              hautelook.com
               6. Candy Cane Baby leggings $12.99 
                     Etsy Shop mypocketfullofposies
7.  Vintage Rhinestone Earring $15
     Etsy Shop ParisienneGirl


 8. Fingerless Crochet Gloves $19
   Etsy Shop SENNURSASA
                                             9. Foam Blocks $19.99 
                                                   target.com
 10. Game Day Bloomers $13.50
     Etsy Shop SweetSeraphina
 11. Toddler's Peacoat Jacket- Pink
     target.com
 12. Grey Mug Cozy $17.50
      Etsy Shop Natalya's Studio: Handmade Knit and Crochet Designs
                 13. Toddler Girl's Alena Ruffle Boot - Gray
                    kmart.com
               14. Furry Pink Hoodie $16.72
        15. iPod Hoodie $20 
   16. Lense Cup $14.99
     amazon.com
 17. Mustache Necklace $9.90
    Etsy Shop milkool
 18. Personalized Hangers $15
      Etsy Shop BridalCuteHangers
                     19. Personalized Zippo Candle Lighter $14.95
 20.Christmas Blanket Sleeper Pajamas with custom name $20
Etsy Shop LittleDiddleBoutique
                         21.Urban Outfitters Picture Window $16 
                               urbanoutfitters.com
 22. Cherry Pie in a Jar $7.50
     Etsy Shop LetThemEatPie
 23. Play Food Groceries - DIY - PDFs - Can be personalized $8.99 
    Etsy Shop sweetemmajean
                24. High-low Geo Top $13.80
                       forever21.com
 25. $20 for silicone cooking bags that can go straight from the freezer to the microwave 
    opensky.com
                          26. Superhero Cape $12.50
                              Etsy Shop Pip and Bean
 27. Turquoise teardrop and branch neckalce $20
      Etsy Shop LilliDolli


Follow me on Pinterest.com to get updated gifts under $20    
            Follow Me on Pinterest

Today is Monday Giveaway!

Starting today,Monday. and every Monday from now on is going to be MONDAY GIVEAWAY! This means whatever product or products I post on Monday's blog, you will have a chance to win that product.
How to enter? It is simple. At the end of the blog is a comment box, enter your best comment about the product. You may only enter one comment per person, all others will be disqualified and deleted from the comment list. Once I have hit 100 hundred comments I will draw a number from 1 to 100 and that person with that number comment, wins!

Today's product has to be one of the hottest tutus on sale right now, The Fabric Scraps Tutu. This hot pink, black, and white tutu with its punk twist has got to be one of the cutest birthday outfits I have ever made. You have a chance to win the fabric scrap tutu and the matching party hat.


Here is your chance to win this adorable outfit for that special little girl in your life.
Enter Your Best Comment