Showing posts with label finances. Show all posts
Showing posts with label finances. Show all posts

Tuesday, February 23, 2016

We found the one

So this past week my husband and I went on a road trip to look at houses.
We searched in Virginia and Maryland since he will be working near DC we have more options.
We had a list of non-negotiable needs and a wish list of wants which included:

Needs: 
3+ bedrooms (it has 4)
1.5 bathrooms (it has 3 full bathrooms)
Not a corner lot (2nd house from corner)
Not on a main road (2 blocks in 45sec drive to main road)
Gated back yard for dog (1 acre fully fenced in plus built in kennel)
Garage (drive through garage for 2)
Wants:
Basement (its finished and lovely)
Deck (needs refinishing but has a big one)
Porch (does not have one in front but has a screen covered one in rear leading to deck)
Spacious kitchen & cabinets (nice color, stainless steel appliances and roomy enough)
A fireplace (no but has a wood burning stove)
Walk in pantry (bust: tiny closet)
Tub in the master bathroom (bust: crowded room with a stand up shower)

BONUS:
It has a pool & diving board.

All in all I think we made out great. We're super excited about this new stage in our lives.
We went over our initial budget but we were pre-approved for our loan.
Now we just wait and pray that it passes inspection, that it appraises fairly with the agreed upon prize and that the loan gets approved!
We're pushing for a closing date of March 31st and if all goes well, we'll be packing up and driving out April 1st.
Hubby is due to begin work on April 10th so it gives us a little over a week to get settled in.

The house is in great condition, of course I want to add splashes of color to the rooms and see if I can DIY some magic in to make it personal. We're so used to not being able to many any adjustments with rentals, I can barely sit still as I think of all the possibilities.

All you prayer warriors out there, please lift up our process for approval.
Now to Pinterest ways of meeting the neighbors! Any tips?


Wednesday, February 10, 2016

Cloth Diapering: It isn't for everyone

As we get ready to move here, I've started digging through my "junk closet" and I've found many precious gems that I had left to be forgotten. I stumbled across my Cloth Diaper stash from Just Simply Baby and I started going down through memory lane.

As a teen mom, I didn't know what to expect with my first child. One thing I did do was count how many diapers per day/week/month my baby used and I saved all of my receipts. Total for 2.5yrs of full diapering and 3/4 of a year of pull ups my total investment on disposable diapers was $3,847.92 and it all ended  up in the garbage.

When I found out I was expecting baby #2 I could not figure out how I would find enough money to diaper! and that's when I ran across an add for cloth diapers. I used to think of CD's as something ugly and difficult and potentially dangerous (large pins and all) but when I  clicked through the website I was delighted to see how wrong I was. These diapers were cute, simple to use, eco friendly and would save me a ton! I ordered my first diaper kit for $100 which got me 10 diapers, a changing pad and a wet bag.

I found myself washing these diapers EVERY DAY and it was daunting because I couldn't be too far from home because I'd have to wash and dry them or be out! So then I spent another $250 and got an additional 25 diapers. Now we were talking! With a 35 diaper stash I only had to wash every 3rd day. Silly me though, baby #2 was a girl so I ordered everything pink and cute not thinking ahead... 5months later we were expecting baby #3 and low and behold it was a boy!

No one would be looking at what color his diapers were and baby #2 was a little older now so she didn't use as many diapers as she did in the beginning but now we were back to washing nearly every day. So I did what any reasonable person would do! I invested another $350 for 35 diapers and now we had 70 diapers! as they both grew a little more I found myself only having to wash diapers once weekly but I'd do it twice because it can get a bit stinky!

Soon baby #2 was out of diapers and baby #3 was rocking the cloth. I had a rotation I had worked out where I'd use a number of diapers for a week then change them entirely out for another set, so on and so forth. I even had a stash that was brand new and didn't get used because the other diapers were clean and ready to be used again.

Then when my husband deployed I kinda feel off the wagon. I started only using cloth at home but started purchasing disposables for when we were out. I eventually just quit on cloth. I probably spent about another $400 in disposable diapers until my son potty trained. So in total I spent a whooping $1100 for diapering 2 babies in comparison to what I originally spent on my first.

I must admit that cloth diapering is not for the faint of heart. It can be gross, it can smell really bad, you have to lug around bulky stuff. Once when we visited my mom in California from Virginia I had to use a whole luggage bag specifically just for diapers. Then you totally have to rely on having a washing machine and you need special treatment of your washing rituals because CD's must not come into contact with fabric softener or it's residue.

But if you are dedicated to being eco friendly, or have a child with sensitive skin, or are simply just broke and in need of desperate drastic measures- then this could be for you!


 I researched several companies while looking for a brand I could trust and the reason why I settled with JBS was because they had a wide variety of options with inserts, prints & styles. I found them to be the most cost effective PLUS they were the ONLY company who offered a 30 day return policy! Can you imagine dishing out $350 on cloth diapers only to find out you hate it and be stuck with your purchase or sell at a loss! How disappointing. Everyone else had the disclaimer that due to the nature of the items returns were not accepted. Hog Wash! And that's why we went with JBS. Plus the customer service is amazing, the owner Katie is such a dear. A little hand written note in every package a long with instructional pamphlets and packaged with love.

Wicked cool part? They have an affiliate program! You can earn 10% in store credit or 5% cash of any referral sales! What better way to fulfill your fluff addiction and make the world a better place?

Do you cloth diaper? Have you ever thought about it? Would you be interested in trying them out?



*Disclaimer: I'm part of their affiliate program. Purchases through the links may help contribute to the expenses of running this blog. Thanks.

Wednesday, January 27, 2016

Clutter Free 2016

My husband and I recently started the process of buying our first home.
We will be moving from our current station in Fort Campbell, KY to Fort Myer, VA and with every move comes the horrible duty of packing.

 "Well Daisy, being in a military family, you should be used to frequent moves" You might say... and while yes, I know it comes with the territory I also have what you could call a bit of a hoarding issue  sentimental attachment to things and a crafty heart who wants to repurpose everything.

So my husband and I have this on-going battle about what will and won't go into our new home. He's a minimalist,and well I guess you could call me a maximist! lol

Any how I've recently gotten myself wrapped up in this system called Bullet Journaling and it's all about simplicity and order. I've been following a couple people who have inspired me and I've seen  some of the tools they use to track and maintain their activities and goals.

So I searched the web and I found a handy little thing on decluttering as many items as the current year. The one I found was for a different year (sorry I don't remember where I found it) and I made a similar chart to use in 2016 that Is helping me stay accountable and excited to see the progress. So i figured I could share it in case anyone else would find it useful. You can download it HERE

Anyhow the idea is to cross out a square each time you've gotten rid of an item. It seems like a lot, and I have A LOT! I've already gotten rid of 31 items and I have't even made a small dent in how much stuff I've "collected". You can get rid of a pair of shoes and mark it as 1 box or 2 (1 box per shoe) it's up to you.

Throw it away, sell it, donate it- whatever. As hard as it is to let go of my things, my husbands sanity & happiness is worth more. Besides, when I die I can't take of it with me and I fear they'd throw all my precious things out or worse- keep them! lol Anyhow, I hope you find this tool  useful- if you do, would you please let me know?



Thursday, January 14, 2016

Just Eat it!

Eat that frog By:Brian Tracy
My takeaway from reading the book.

There are 3 D's that will get you through life successfully:

  • Decision
  • Discipline
  • Determination
Success begins with the simple thought of to. YOU have to DECIDE to succeed. 
Once you've made your decision you HAVE to be DISCIPLINED! Which means you 
will continue following through with your decision even if you no longer feel like it.
Lastly, you MUST stay DETERMINED to see yourself to the completion of your achievement.

Your next through will determine your future. Life is shaped by your daily choices, t's the smallest actions that have the biggest effect. Every small habit and repetitive action will build on itself to progress you or hold you back.  

If you have to eat 2 frogs; eat the ugliest first .If you have to workout & go grocery shopping and you hate both do the one you hate the most. For me that's working out! I don't hate it per say but if I don't do it early before my day gets started then chances are I'll just completely skip it. I HAVE to grocery shop or I won't eat & I love to eat! lol so that sets the order of events.

If you have to eat a live frog, don't look at it very long so:
  1. Be selective
  2. Prioritize 
  3. Take immediate action
  4. Develop a positive addiction to starting and finishing your tasks
  5. Don't cheat yourself by taking shortcuts 
Let's get busy! I know I've been slacking but hey! I'm only human ;-P


Sunday, January 3, 2016

Goodbye Joneses



Lets start over from scratch for the sake of my sanity.
This past 2 years I've been trying to "keep up with the Joneses" and I'm done.
I put my mental health, friendships, relationships and my life at stake trying to 
keep up a facade. 

If you are doing that right now please stop and save yourself the trouble.

I'm gonna go against the grain here and just be completely honest & sincerely human.
I am flawed, I'm the furthest thing from perfect & I'm finally coming to terms with that.
I do not have all the answers, I do not have any magical solutions and I have succumbed to the pressure of life. 

This year It's all about me and my family. My husband got orders (Military) to PCS to VA this spring and we're currently in the process of buying our first home. I'm really excited and looking forward to the changes. 


Resolutions aside, these are goals for this year:
  1. Quit my retail therapy addiction
  2. Empty my hoarding closet
  3. Begin consistently contributing to our finances
  4. Launch a YouTube channel
  5. Teach my oldest about entrepreneurship 
  6. Get her business started (she wants to make and sell crafts)
  7. DIY the majority of our new home's needs
  8. Lose the extra weight by my birthday
  9. Bullet Journal Daily
  10. Read all the books in my bedside bookshelf 
  11. Pay off my credit cards
  12. Believe in me again


I highly encourage you to make this year YOUR year- literally. 
Make your health & well being your priority!

Happy New Year! Until Next time <3

Wednesday, October 29, 2014

Condemnation Interferes with Intimacy





I know this is a pretty long video, but if you can spare an hour watch it.



Condemnation interferes with intimacy. 

When there is guilt you don't make room for a trusting loving relationship.

When you feel like you have to make up for something, you're busy working instead of building.

Slow your role!!! Get your relationships in order and work together.



God wants to know you. We know who God is, He knows who you are, but are you spending enough time with Him to confidently say you have a strong connection?

Would you consider it a loving relationship? Would you say you're friends, engaged, or married with God?

Are you wrapped up in ministries trying to win souls and feel like you're hitting a wall?

Or are you getting intimate with God, birthing souls and moving your ministries forward?

There IS a difference!!!



I share this with you because it really tugged at my heart.
It is time we dare to be loved but also dare to get intimate with God.
Intimacy is beautiful & some people are scared of it because it puts you in a vulnerable position... Lucky for us we know that God has been, is and always will be the same.

Put your trust in Him, delight in Him, praise Him, offer your body, heart & life to Him.

Then and only then will the desires of your heart align with His will for your life and it will be added to you.



So take a moment and reflect-
What are YOU doing RIGHT NOW?
What are you working towards? What are the reasons behind your works?
Are you feeling condemned or intimate with God?



This is not in any way to judge you or put you down- but more so to raise a personal awareness.
In humility I urge us all to do a heart check for our benefits.
It is my hope and prayer that we all reach the level of love and intimacy with God that we want and need.


Tuesday, August 12, 2014

Financial Fitness Challenge

This is scary.
 Challenges are meant to challenge you & challenges can lead to confrontation- 
which is one of the things I like to avoid.

I've stepped out in Faith to lead a Financial Fitness Group on Facebook.
As much as I'm leading, I'm also taking the challenge.
I've been given the tools so see it through from beginning to end,
but I have not gone through it on my own...
I want the daily challenge to catch me equally off guard
as it will to the other participants.

People often say that Money is the root of all evil. It's not. 


The love of money is the problem. 
When you think about money and potential- I don't think enough is ever enough.

If RIGHT NOW
Bill Gates came up to you and said he would give you whichever amount
 of money you asked of him- how much would you ask for?
Keep in mind that Bill is the wealthiest man in the world...
Would you ask him for just enough to get out of debt?
Enough to start a nice savings account?
Half of his fortune?
All of it?
More than what he currently has???
HOW MUCH is ENOUGH? 

Have you ever wondered why you don't have more than what you have??

I can admit that I'm guilty of this. I want more, not because I truly need more, 
but because I haven't properly handled what I've been given. 
If I can't handle what I have now- who's to say I would be able to handle more?

Therefore it is my hope that through this challenge I can learn to manage my finances in
a God honoring way. I fully trust that when I stop trying to control my spending and just give over Lordship to him in everything especially my finances- He will move drastically.


There a few things you need to know about God & finances. 
My personal take is that It starts with your tithe. 
If you don't believe it applies to you, why don't you go ahead 
and take God's challenge- test him in this.

Where ever you are & whatever you are facing 
reach out to him & let him love you.

Let your finances be a reflection of your God given dreams & destiny.
You were made to conquer & you are destined for greatness!
Don't let your finances, or lack there of, get in the way of achieving.

God bless <3