Friday, June 07, 2019

Debt Free Journey: June

When we first started our debt free journey I was afraid to share our debt total. Why? I guess the main reason was because of embarrassment. I am growing and growing and no longer feel embarrassed to share our debt free journey freely. 

If you have shared your debt free journey I know how hard it was to put it out there. I also know what an encouragement it can be for other that are on this journey.  As you can image this is a vulnerable post. 

If you know anything about Dave Ramsey, you know that he has what is referred to as "Baby Steps" to follow.  We have completed Baby Step #1.  If you are unaware, that is saving a $1000 emergency fund.  
Here is a link for free debt payoff tracking charts, including the one above. 

That money is safely tucked away.  Instead of moving on to Baby Step #2 we are starting another Savings Goal Chart for $1000.  The reason is to have the funds to pay to have a dead tree removed.  After that is complete it is then on to Baby Step #2.  
All of our credit cards are cut up and no longer in use.

Here is our current debt:

                                                          Personal Loan               $ 2,000
                                                          Furnace Loan                $ 2,100
                                                          401K Loan                    $11,080

                                                         Total                               $15,180

Our 401K loan is combination of several things.  It includes the repair of our septic system, credit card debt and medical debt. 

Some may look at this total and think it's nothing.  For us, it's a lot of money.  It won't be paid off over night, but as we all know slow and steady wins the race.  

Difficult roads often lead to beautiful destinations... keep moving forward, friends.




Wednesday, June 05, 2019

Joy in the Ordinary

Look around, really look around and you will find joy... joy in the everyday... joy in the ordinary things.

A family gathering to celebrate Grandma's birthday.
Celebrating Chuck's birthday with his dad, stepmom, niece and nephew. We had lunch at the Old Spaghetti Factory.  Yum. 
After lunch we walked to the center of the city. We enjoyed visiting the Soldiers and Sailors Monument. 
 
There is a circular street and sidewalk paved with brick around the monument.  The sidewalk has brinks engraved with the names and dates of fallen soldiers. 
We have plans to make several trips to enjoy the history of our state and city this summer.

After several days out and about it was nice to be home.

I tackled chores early so I could get outside.  This is my view when I head out to read after dinner.
 I find joy in my flowers.
We've had some mild, dry weather and I'm trying to make the most of it. 

Difficult roads often lead to beautiful destinations... keep moving forward, friends.




Monday, June 03, 2019

Simple Celebration

We celebrated Chuck's 48th Birthday with a simple celebration.  I invited a couple of family members over for dinner.   
 I set the table with my every day dishes and flowers freshly cut from my garden.  
Dinner was lasagna, salad and garlic bread.  
 
Instead of cake Megan made brownies.  
We don't do over the top birthday presents.  A couple of small, necessary items to make the day special. 
 I said, "Say cheese!" and this what I received instead.  Crazy guy!!! *smile*
 Blurry, but much better.  
 Chuck was on vacation the week of his birthday.  I think we can all tell how relaxed he was by his silly faces.  *rolling my eyes*
It was a beautiful evening and after dinner we all went to the back porch.  We had a nice evening chatting and laughing.  So much so that it was after 9 before we wrapped the evening up.  

We love you, Chuck, and had a great time celebrating you! 

Difficult roads often lead to beautiful destinations... keep moving forward, friends.




Wednesday, May 29, 2019

Joy in the Ordinary

Look around, really look around and you will find joy... joy in the everyday... joy in the ordinary things.

Megan and Great Grandma. Since this picture was taken her health had declined dramatically.   She is almost 92 and was recently diagnosed with Leukemia.  Sadly there will be no treatment for this new diagnosis.  Due to her age and existing health issues it would very hard for her.  Only the Lord knows the number of days she has left on earth.  We will cherish each one.
When you get your fishing line stuck in a tree you might have to get creative.  A broom stick, some pruners, string, and duct tape to the rescue to cut the line. 
Front step flowers. 
Someone is excited for baby cherry tomatoes. 
The military flight line must have changed recently.  We see helicopters fly back and forth, above our home, several days a week. 
A long hike along a creek. 
I could have stayed all afternoon watching Mama Duck swim with her babies. 
Like most of the Midwest it has been a very wet year.  Last night Chuck was finally able to get in the garden.  We planted 18 tomato plants that we received for free from Chuck's employer.  
Once down about half an inch it was pretty wet, but you do what you have to do.  
It makes my heart happy to see scenes like this.  My girl is at that in between stage and I know that she will quickly grow out of play.  
My parents pool is officially open!  
Be careful it you get too close... someone might squirt you! 
Difficult roads often lead to beautiful destinations... keep moving forward, friends.





Wednesday, May 22, 2019

Joy in the Ordinary

Look around, really look around and you will find joy... joy in the everyday... joy in the ordinary things.

I've only used the clothes line once this season.  Seasonal allergies have been horrible this year.  My poor Megan happens to suffer from them.  I hope to be back to using the line soon.  I love the smell of lines dried items.
I find beauty in all of God's creations. 
Yes, even beauty in what most perceive as weeds. Those yellow "weeds" turn into fields of wishes. 
 Megan loves to fish and found a new fishin' spot.  We've been several times. 
On her first trip she caught a large mouth bass.  It shocked us both!
 
Chuck and I celebrated our 18th Anniversary. 
 I spent a dry, sunny afternoon relaxing on my parents front porch.  We chatted and enjoyed the nice day.  It was so pleasant that it was hard to get up and leave.
Our school year has wrapped up and the new books for 8th grade are here.  I'm working on planning for next year.  My goal is to have it done before the first of July or sooner.  That way the planning won't be hanging over my head and we can enjoy every drop of summer.
Difficult roads often lead to beautiful destinations... keep moving forward, friends.





Monday, May 20, 2019

Content

It's been a journey, but I am in a really good place.  A place where I am content.  I don't mean content when my home is spotless, because let me tell you it's not!  Nor when we have tons of disposable income, because again that is not the case.  I am content just being.... me.  Whether I am puttering through my day, doing housework, running errands, or feeling those everyday stresses... I am content.

Friends, let me tell you that this hasn't always been the case.  Those of you that have been around for a while know that I've struggled with my mental health, my self esteem, and the feeling of failure.  Especially since we were swimming in debt, and guilt that I added to that debt through some medical struggles and my reckless spending when I was rock bottom emotionally.

I have let go of so many things.  Many self induced thoughts that have caused me a great deal of pressure.  I have let go of perfect.  Letting go of that image of perfect has been life changing for me!

Many years ago I got off the merry go round, yet I still didn't feel satisfied.  I worried and worried some more.  What do people think of me,  why can't I live in a beautiful home like I see all over blogland and Instagram.  I would see people I know posting on Facebook about their gatherings and feel miserable wondering why we weren't invited. Why, why, why. Compare, compare, compare.  It's a dangerous place to be.

Now instead of worry, having impossible expectation, and unrealistic comparison I have turned turned to true gratitude.   I'm extremely grateful that I have my little home, for my little family, for health insurance and good doctors.  I am thankful for all the things great and difficult that the Lord has put in my life.  I can't even put into words how wonderful this shift in mindset has been.  I'm living my life to bring joy to myself, my family, and most importantly to bring glory to God.

Again, I am soooooo grateful for all who have read my thoughts and shared my life on my little space on the web.  Don't give up on me just yet.  I'm working my way back into posting more often.

Let your manner of living be without covetousness, and be content with such things as ye have. For He hath said, “I will never leave thee, nor forsake thee." Hebrews 13:5




Tuesday, April 23, 2019

A Quick Update

I thought I'd pop on and catch up. I am feeling better. Still not 100%, but sooooo much better. I had a follow up appointment yesterday.  She has a few concerns so I will have some additional testing done in the next month.  My energy is coming back which means that I need to play catch up around home.
The weather has been gorgeous!  That makes it hard to stay inside and get thing accomplished. I'd much rather be outside playing in my flower beds. *smile* 
 
This will be short as I only wanted to pop on for a moment to let you all know I'm doing better.  I'll be back soon!