A wonderful couple from our church, Mick and Helen, came over to watch the kids so we could attend our Dave Ramsey "Financial Peace" class. Since we were out sans kids, we thought it would be a good time to visit our new nephew! Paul's brother, John, and Carrie had Ty Thomas earlier in the week.
Tuesday, April 17, 2012
Easter at home
This year, Easter was a little different for us. Usually we make a trip to one or both of the Grandparents. Since Easter was in April, both of the Grandparents were in Cancun, Mexico enjoying their annual time in the sun. We, on the other hand, went to church, had an Easter ham dinner, egg hunt, and then in the evening we settled in to watch "Ben Hur".
Updates...
Ahhh, I'm going to go back in time a bit to... Ellie's Birthday. Ellie turned 7 in February. She's getting quite a personality. She has definate likes and dislikes. She likes to draw and create, does NOT like to write her ABC's in school. Loves to color, if it's on her terms. Does NOT like to color if it's part of an assignment. She cracks me up with her funny faces, and she is mastering teasing her brothers, especially if she knows that it bugs them. Her personality is exploding, and she's getting more and more independent all the time. She's a very fun little girl!
Did I say GOAL? After starting our class AND the smack-in-the-face of getting a $4000 credit card bill after Christmas, (I have NO idea what we spent all that money on), we decided to make our money work for us. What a concept! We did the math, and since we have no car or credit card payments, we decided to work at paying off our house. We had refinanced a couple years ago to a 20 year loan. We had 18 years left. We calculated to see when was the soonest we'd be able to pay off the mortgage if we put all our efforts into it. We figured about 6 years. Six years is a loooooong time to be fighting the penny pinching efforts and Caleb would be 18 and on his way out of the house. He'd be remembering his teen years as a solemn, "no, we can't, we have no money" period of his life. I didn't like that idea. We worked to figures to see if we could do it in 4 years. The numbers worked, BUT only if God intervened.
We prayed and the kids prayed with us for about a month before Paul's annual review at work. We prayed for a very specific amount. The amount we figured it would take to pay off the house in 4 years. (I am convinced through God's word that He is NOT in favor of debt. Mortgage or otherwise. Even if the fancy financial guys say a mortgage is good debt, God says, "Owe no man ANYTHING but the debt of LOVE" and "The borrower is servant to the lender") Our specific amount was not chump change. It was a significant amount. It came to almost a 10% increase, and in this economy, that's no small deal. That's a God deal. Each time I thought about it, I knew that we were attempting to follow God's financial plan and was certain that God would supply what we needed to do what He wanted. Well... let me tell you, God answered our prayer. Not only that, but He blessed us with exactly DOUBLE that specific amount! How awesome is that! So our 4 year calculation is totally do-able! We are still working our budget and getting to know our limitations, but at least we don't have to eat rice and beans for EVERY meal now. :)
To capitalize on the excitement, we have this beauty hanging on our wall for the next four years. The kids and I made a "thermometer" type gauge to visually watch our house get paid off. We make a big deal out of coloring in some of those lines every time we send in the mortgage check. And everytime we pass a big goal (like the little sayings on the side) we have a mini party. Our first was sparkling cider, popcorn and a movie. The kids are already looking forward to the next... Banana splits with lots of whipped cream!
Here is my birthday cake. Caleb and Seth made it for me while I was out gardening (in the crazy 80 degree weather in the middle of March). I am the lovely 35, and if I didn't have so many kids, I'd make some claim to still be in my 20's. With seven kids, that's just not believable ;)
Monday, April 2, 2012
It's spring!
Around here, you know it's Spring when things get real dirty, including the kids. The kids made a mud bath in the backyard, and Nathan didn't hesitate to get in on the fun. I had to strip him down before he could even get into the house.... and if you think he was dirty, you should see the other boys. Who needs a spa for a mud bath anyhow? Dirt is cheap around here....
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