...GREAT!!!! Justin and I have made huge changes in our spending habits. We both have a monthly "allowance" and have a very tight budget to allow for as much money as possible to go to debt repayment. This has really opened our eyes about how we spend our money....and I don't think we can ever go back to spending money like before.
....We are also communicating so much better because of all this and laying out plans for an amazing future. I never understood what people meant about money being the biggest issues in marriages.....but now I totally get it.....and money WILL NOT destroy this marriage...
...on another note....I am trying to eat healthier.....I know most women say this at least 4 times a year....but I'm trying to form good habits and track what I eat.
I was doing an internet search the other day and ran across http://www.livestrong.com/. This is an amazing website for tracking what you eat and knowing info about the food you are eating. My goal is to only eat 1521 calories a day........and so far I have been doing awesome. Every day when I get home I enter what I eat and make sure I'm staying below my target. I hope to lose about a pound a week. We will see.
Friday, February 19, 2010
Tuesday, February 2, 2010
Debt
..So Justin and I are in debt....a lot of debt...
We both graduated from Bridgewater College which left us majorly in debt. I knew I would have to pay back this money and I have. I always pay my bills and thought I was doing the right thing and I was ok. Justin and I bought 2 vehicles in our first year of marriage (which were kinda needed, but still more debt), we also have some credit card debt. I never thought a lot about the debt except for the credit card debt, because I knew that wasn't GOOD debt. But I've come to realize debt is debt....I don't like it and want it gone ASAP.
Justin and I have never been ones to put tons and tons of stuff on our credit cards, our move to Texas was almost $2000 all of which went on Justin's credit card. To get my Texas teaching license ended up costing around $500....and little things in between. So at least we don't have to change our lifestyle, we just have to be aware of where our money is going.
I consider myself a good money manager and never thought I needed to get books about getting out of debt. I actually love teaching this unit to my students and may even get to teach a whole class on it next year. I've also dreamed about working for a bank in the role of a financial educator.....you get the point I love this subject.
My mom always talked about Dave Ramsey and his ideas on the matter and I agreed with most of his ideas. So, the other day I went to Target and picked up a copy of his book. I haven't read all of it but it got me thinking. So I went and got all of our statements out and added everything up. I had NO IDEA how much debt we were really in. I then went a little over the top and made spreadsheets for everything and keep track of our debt repayment. I even went back to 2007 and tracked our debt over the 2 and 1/2 years.......CRAZY!!!
So Justin and I made a budget and are keeping a very accurate record of our money. I feel like we are finally attacking our debt and setting ourselves up for a debt free future. We are going to get rid of this debt sooner rather than later. I would love to offer my assistances to anyone who needs help getting your finances figured out and help you make a plan to repay your debt. I have not said how much Justin and I are in debt because it is a very personal issue, if you want help please know I will not judge.
...thanks for listening...
We both graduated from Bridgewater College which left us majorly in debt. I knew I would have to pay back this money and I have. I always pay my bills and thought I was doing the right thing and I was ok. Justin and I bought 2 vehicles in our first year of marriage (which were kinda needed, but still more debt), we also have some credit card debt. I never thought a lot about the debt except for the credit card debt, because I knew that wasn't GOOD debt. But I've come to realize debt is debt....I don't like it and want it gone ASAP.
Justin and I have never been ones to put tons and tons of stuff on our credit cards, our move to Texas was almost $2000 all of which went on Justin's credit card. To get my Texas teaching license ended up costing around $500....and little things in between. So at least we don't have to change our lifestyle, we just have to be aware of where our money is going.
I consider myself a good money manager and never thought I needed to get books about getting out of debt. I actually love teaching this unit to my students and may even get to teach a whole class on it next year. I've also dreamed about working for a bank in the role of a financial educator.....you get the point I love this subject.
My mom always talked about Dave Ramsey and his ideas on the matter and I agreed with most of his ideas. So, the other day I went to Target and picked up a copy of his book. I haven't read all of it but it got me thinking. So I went and got all of our statements out and added everything up. I had NO IDEA how much debt we were really in. I then went a little over the top and made spreadsheets for everything and keep track of our debt repayment. I even went back to 2007 and tracked our debt over the 2 and 1/2 years.......CRAZY!!!
So Justin and I made a budget and are keeping a very accurate record of our money. I feel like we are finally attacking our debt and setting ourselves up for a debt free future. We are going to get rid of this debt sooner rather than later. I would love to offer my assistances to anyone who needs help getting your finances figured out and help you make a plan to repay your debt. I have not said how much Justin and I are in debt because it is a very personal issue, if you want help please know I will not judge.
...thanks for listening...
Sunday, January 31, 2010
Goodbye January, Hello February
When I was little I would always say goodbye to the past month and welcome the new month in. I have no idea where is came from or why I did it.....but February brings many exciting things
~Seeing my husband (Hopefully)
~DI Regional Tournament
~Starting the process of really tackling our debt
~One month closer to My birthday and Spring Break
~One month closer to the end of the school year
~The Super Bowl (Go Colts)
~Daytona 500 (Go Tony!!)
~and many more things will make this month a great one!!!
~Seeing my husband (Hopefully)
~DI Regional Tournament
~Starting the process of really tackling our debt
~One month closer to My birthday and Spring Break
~One month closer to the end of the school year
~The Super Bowl (Go Colts)
~Daytona 500 (Go Tony!!)
~and many more things will make this month a great one!!!
Thursday, January 28, 2010
Things I've had enough of....
...OK I normally try to stay positive in these blogs but it's been a bad day
So the things I'm sick and tired of are.....
.....Not seeing my husband everyday
.....Students that do not care (and I have plenty of them here in Texas)
.....Traffic...I hate living in the city
.....People who do not understand how hard my husband is working
.....People who don't talk to me for no reason
.....Bad Friends
.....Debt
.....Bills
.....Living so far away from my family
.....Drama (my job is full of it)
.....Texas School Systems
.....IEPs
.....ARDs
.....BIPs
.....People who think it is easy being a teacher
.....My crazy momma from DI
.....Interpreters in my class that think they know everything
.....Students that think they know everything
.....Attitudes
.....Mondays
.....Not having washer and dryer hook-ups in my apartment when I own a washer and dryer
.....Lesson Planning
.....Grocery Shopping (School and Home)
OK I think that is all for now....I feel a lot better...thanks for listening.
I know I have a blessed life, some times I just need to vent.
So the things I'm sick and tired of are.....
.....Not seeing my husband everyday
.....Students that do not care (and I have plenty of them here in Texas)
.....Traffic...I hate living in the city
.....People who do not understand how hard my husband is working
.....People who don't talk to me for no reason
.....Bad Friends
.....Debt
.....Bills
.....Living so far away from my family
.....Drama (my job is full of it)
.....Texas School Systems
.....IEPs
.....ARDs
.....BIPs
.....People who think it is easy being a teacher
.....My crazy momma from DI
.....Interpreters in my class that think they know everything
.....Students that think they know everything
.....Attitudes
.....Mondays
.....Not having washer and dryer hook-ups in my apartment when I own a washer and dryer
.....Lesson Planning
.....Grocery Shopping (School and Home)
OK I think that is all for now....I feel a lot better...thanks for listening.
I know I have a blessed life, some times I just need to vent.
Sunday, January 24, 2010
10 Years Ago...
The Year was 2000......
....I was a freshman in high school....now I teach freshman
....I was ready for the real world to start....now I want to go back to high school/college
....I was worried about finding "The One"....now I am happy as can be married to the love of my life.
....I was living in Botetourt County, Virginia....Now I'm in Corpus Christi, Texas and can't wait to get back to VA.
....I had a great group of friends....now I'm jealous of those who go out all the time with their friends
....I was thinking about when I would start a family.....now I'm still thinking about when I will start a family (not anytime soon)
....I was happy.....and now I'm still very happy.
A lot has changed along the way but I wouldn't change a thing. I'm blessed for all the people in my life and miss all of you.
....I was a freshman in high school....now I teach freshman
....I was ready for the real world to start....now I want to go back to high school/college
....I was worried about finding "The One"....now I am happy as can be married to the love of my life.
....I was living in Botetourt County, Virginia....Now I'm in Corpus Christi, Texas and can't wait to get back to VA.
....I had a great group of friends....now I'm jealous of those who go out all the time with their friends
....I was thinking about when I would start a family.....now I'm still thinking about when I will start a family (not anytime soon)
....I was happy.....and now I'm still very happy.
A lot has changed along the way but I wouldn't change a thing. I'm blessed for all the people in my life and miss all of you.
Tuesday, December 8, 2009
Where has time gone...
...sometimes I swear we just moved and we were trying to get settled in a new place. We have now been in South Texas for 6 months....WOW!!!
Justin and I had a great Thanksgiving, Kory and Emily ended up coming to eat with us and it was nice having some friends to spend the day with. We actually spent a lot of time that weekend together just hanging out, which is always nice. We had tons of food and tons of leftovers.
Emily and I went shopping in the Valley (near the Mexico border) and had a great time together. I seems like we have known each other forever sometimes. Anyway, I got most of my Christmas shopping finished up during that trip, and actually finished this weekend...YAY. And that means Christmas is almost here and we get to go home soon. We fly out 12/21 around 4 and arrive in DC around 11pm.....we have a crazy schedule planed in order to spend equal time with both families. We fly out 1/1 at 3 in DC again and get back to Corpus around 9. If any VA friends or family wants to get together with us, we would love to see you too!!! Let us know and we will try to fit you in our plans. You have no idea how much we miss everybody!! Ok all for now....BYE!!!
Justin and I had a great Thanksgiving, Kory and Emily ended up coming to eat with us and it was nice having some friends to spend the day with. We actually spent a lot of time that weekend together just hanging out, which is always nice. We had tons of food and tons of leftovers.
Emily and I went shopping in the Valley (near the Mexico border) and had a great time together. I seems like we have known each other forever sometimes. Anyway, I got most of my Christmas shopping finished up during that trip, and actually finished this weekend...YAY. And that means Christmas is almost here and we get to go home soon. We fly out 12/21 around 4 and arrive in DC around 11pm.....we have a crazy schedule planed in order to spend equal time with both families. We fly out 1/1 at 3 in DC again and get back to Corpus around 9. If any VA friends or family wants to get together with us, we would love to see you too!!! Let us know and we will try to fit you in our plans. You have no idea how much we miss everybody!! Ok all for now....BYE!!!
Saturday, November 21, 2009
This Thanksgiving
With Thanksgiving right around the corner, I decided I should list all the things I'm thankful for in my life....
~My husband and his continuous love and support
~Mine and Justin's Families, who we miss more and more each day
~My VA Friends
~Growing up in a small town and the values and morals I have because of it (and my parents, of course)
~Emily and Kory....who have made living in Texas a little better
~Whataburger....which also makes living in Texas a little better
~Having taught for 2 years at SDMS....I miss it everyday but having taught there makes me realize there are schools that function better than my current school.
~Having a Job right now when a lot of people don't...even if I hate it at times.
~The 100 students out of my 110 students that make my days fun and enjoyable
~Having money to pay all of our bills and not have to make tough choices each month when it comes to money
~Being educated...and all of the opportunities I have because of it
~The vision of the future that Justin and I share
....I have a lot to be thankful for even if I forget it at times.....
~My husband and his continuous love and support
~Mine and Justin's Families, who we miss more and more each day
~My VA Friends
~Growing up in a small town and the values and morals I have because of it (and my parents, of course)
~Emily and Kory....who have made living in Texas a little better
~Whataburger....which also makes living in Texas a little better
~Having taught for 2 years at SDMS....I miss it everyday but having taught there makes me realize there are schools that function better than my current school.
~Having a Job right now when a lot of people don't...even if I hate it at times.
~The 100 students out of my 110 students that make my days fun and enjoyable
~Having money to pay all of our bills and not have to make tough choices each month when it comes to money
~Being educated...and all of the opportunities I have because of it
~The vision of the future that Justin and I share
....I have a lot to be thankful for even if I forget it at times.....
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