Now is one of those times, hunker down I mean. *sparkling smile* I'm disclaiming right now that there are probably scores of grammatical errors in this post, oh well!
Not that I or anyone else likes to 'hunker' down, but sometimes, hunker we must.
Yeah, it'd probably be nice to know what I consider 'hunker down' to mean, huh? To your great confusion, it can mean several different things depending on the day or moment. Nice of me, I know.
Sometimes this means locking myself in my home and organizing for a whole week.....yet other times it could mean that I need to, yet again, become consistent with parenting and discipline.
Today it means sticking to a budget. Yow!
For the past three years our budget has been simple: J.D.S.; meaning Just Don't Spend!
This currant planning came about through a class our church offered. It's called Financial Peace University by Dave Ramsey. After watching a preview of the classes to come we were glad we'd already signed up.
The classes total 13 consecutive weeks. The average student (mostly couples) saves $2500 and pays $3800 to debts....in 3 measly months!
Last week was the first class. I felt like the amount of $ we paid was recuperated with just the first class! Yes, it's that good.
Ben and I hope to be completely debt free in three years. Debt free=no credit cards, lines of credit, family loans or mortgages. With that commitment came some heart wrenching decisions, at least for us they were.
Until all debt is gone: 1)no vacations (sniff....this includes our 10th Anniversary Hawaii trip:( 2) no elective surgeries, a.k.a. plastic surgery or Katy's dream-to-look-like-no-multiples-ever-dwelt-within-her-body 'procedure' :) 3) selling our home and renting until we have %50-75 of the purchase price of our next home. 4) My getting a job (although this was an easy decision for me....not so for Ben.) 5) Kids going to school so I can keep a job. YEA! Can you tell I'm at my limit with homeschooling? The sooner they go to school, the better. I will miss them terribly though.
I think that's all the changes we've made, other than sticking to a budget:)
I thank God for showing us how we can change our future and thus our children's future. Therein lies the reason for our 'hunkering down'. Proverbs 13:22a "A good man leaves an inheritance for his children's children..."
May God lead and help us!
6 comments:
Katy...I'm so proud of you guys for setting such high goals. I will be praying for you both :)Two things that stood out to me on your list...1. You are beautiful, gorgeous and I, personally, don't think you need any surgery :) 2. Your children will be beacons of light in the school system...I know they will...they are gems. Love you...R.
Good for you guys!!! Our church is doing FPU too and I need/want to go. My hubby is already $-wise and a good saver/budgeter, but I'm the disorganized spender. I'll be praying for you guys to have wisdom in your upcoming decisions and stick-to-itivity. ;)
I am so inspired! I have heard of this program. Seriously, promise me to post good info. I would love to glean from your wisdom. Way to go girl! Love ya!
WOW! Katy - so inspiring! I know quite a few wives who would be kicking and screaming right now, but not you. I admire you so much. I agree with Heather - keep us posted and share!
Praying for you!
Wow! You have made some serious decisions here, and I know God is going to use your efforts to bless you and your family!
Sad about the Hawaii trip, but you know, in a couple years when you do get to go, how amazing will that be to know that you waited and you didn't go into debt for it? It will make the trip even that much more special.
You are amazing, Katy! What an exciting change in your life.
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