So yesterday I turned another year older. Although I don't feel older (I say this every year to my husband and he gets so frustrated.), I'm not liking the sounds of the numbers I'm into. I actually feel pretty young, which I guess you could say is a good thing. Last night I looked back on my life thus far and am surprised by many things. I never thought I would get married when I was younger and now I am. I even made a pack with a best guy friend that if we both were not married by the age of 28we then would marry each other. I believe I got married first. (I think we got it from My Best Friends Wedding.) I didn't think I could have kids, but I think that is a female thing. I have had the opportunity to travel so much when I was younger with my parents. I really can't complain about things too much growing up. Looking back at my high school years, freshman to senior year I had changed so much. Some of the changes being good, some I hope my kids don't do, but then again you have to experience life. I have some great friends. College was one of the best times of my life. It was great to have so many people around to hang out with. There was never a dull moment. I would have to say I loved the many guys there were to look at! Looking back at the bad luck I ran into or struggles I had faced it has always turned out for the better. I was laid off twice before I was even 26 years old. Each job I got after was a even bigger jump in my career. I have a great husband and daughter who make me laugh daily. These are some of the thoughts that had gone through my head yesterday and I'm very Thankful for it all. Every bump, every good thing, everything bad.
Life: It just makes us who we are today.
Thursday, November 20, 2008
Monday, November 10, 2008
Congratulations!!
I am so happy to hear that a great friend of mine is expecting a baby. I can't put her name here because she has not spread the word yet. She told be late last week. I'm so happy to share my stories and listens to hers while going through our pregnancies together.
Congratulations to a great couple!
Just a note... she had had some issues before getting pregnant. At one point was told she may not be able to have children or have a slimmer chance than the average female. So this is very very good news. I'll post more about the issues when it's official announced.
Congratulations to a great couple!
Just a note... she had had some issues before getting pregnant. At one point was told she may not be able to have children or have a slimmer chance than the average female. So this is very very good news. I'll post more about the issues when it's official announced.
How's that E Fund coming along...?
A while back I talked about starting an E Fund. Well with hard work and automatic transfers we are almost there.
An E Fund is an Emergency Fund that you put money in to save for the future. It can go towards a unexpected expense that may come up. If you or a significant other is laid off from work this account could be used to live from. You can set your own goals and what you would use the fund for. Our goal was 3 months worth of living expenses. It's a great feeling to know that if somethings comes up you have the cash to pay for it. No worrying about where the money will be coming from and stressing about it. It's always a great idea to save. You never know what may come up in your life.
Here is how we got to this point:
1. Rentals - The rental property we bought a few years ago have been one of the best investments we have started.
2. Cable - This past summer we cut out the cable bill. We went with out for 6 months. All this money went into our e fund.
3. CC - We had one credit card balance that is now paid off. It was used for small things that added up when we bought our house. Most of that money is now going to savings and our e fund.
4. Pay with CC - We have been paying almost everything with our credit card. The balanced is paid off fully every 2 weeks or sooner. This has allowed us to see what we are spending all of our money on and we have earned free gas, gift cards, and a book light (a gift for Isaac).
5. Automatic Payments - Over the past year I read the Automatic Millionaire and realized we needed more automatic savings. Since these have been set up we have increased them several times. The money is gone from our account before we know we have it. I love Automatic!
6. Bargains - I rarely pay full price for something. Everything will go on sale at one point or another. If it's not on sale I will use a promotion code or coupon to get the price lower. This really ads to savings.
7. Determination
An E Fund is an Emergency Fund that you put money in to save for the future. It can go towards a unexpected expense that may come up. If you or a significant other is laid off from work this account could be used to live from. You can set your own goals and what you would use the fund for. Our goal was 3 months worth of living expenses. It's a great feeling to know that if somethings comes up you have the cash to pay for it. No worrying about where the money will be coming from and stressing about it. It's always a great idea to save. You never know what may come up in your life.
Here is how we got to this point:
1. Rentals - The rental property we bought a few years ago have been one of the best investments we have started.
2. Cable - This past summer we cut out the cable bill. We went with out for 6 months. All this money went into our e fund.
3. CC - We had one credit card balance that is now paid off. It was used for small things that added up when we bought our house. Most of that money is now going to savings and our e fund.
4. Pay with CC - We have been paying almost everything with our credit card. The balanced is paid off fully every 2 weeks or sooner. This has allowed us to see what we are spending all of our money on and we have earned free gas, gift cards, and a book light (a gift for Isaac).
5. Automatic Payments - Over the past year I read the Automatic Millionaire and realized we needed more automatic savings. Since these have been set up we have increased them several times. The money is gone from our account before we know we have it. I love Automatic!
6. Bargains - I rarely pay full price for something. Everything will go on sale at one point or another. If it's not on sale I will use a promotion code or coupon to get the price lower. This really ads to savings.
7. Determination
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