Wednesday, March 5, 2014

The 21-Day Financial Fast Your Path to Financial Peace and Freedom

What they say: 

Financial Peace and Freedom in 21 Days
In The 21-Day Financial Fast, award-winning writer and The Washington Post columnist Michelle Singletary proposes a field-tested financial challenge. For twenty-one days, participants will put away their credit cards and buy only the barest essentials. With Michelle’s guidance during this three-week financial fast, you will discover how to:
Break bad spending habits
Plot a course to become debt-free with the Debt Dash Plan
Avoid the temptation of overspending for college
Learn how to prepare elderly relatives and yourself for future long-term care expenses
Be prepared for any contingency with a Life Happens Fund
Stop worrying about money and find the priceless power of financial peace
As you discover practical ways to achieve financial freedom, you’ll experience what it truly means to live a life of financial peace and prosperity.
Thousands of individuals have participated in the fast and as a result have gotten out of debt and become better managers of their money and finances. The 21-Day Financial Fast is great for earners at any income-level or stage of life, whether you are living paycheck-to-paycheck or just trying to make smarter financial choices.

My Take: 

I am a Dave Ramsey fan all the way, so most of what was in this book was a repeat of his ideas and plans. What really stuck with me was about the author's friend who passed away. When they went in to deal with the paperwork after her death, everything was organized and in order. She had her will, bills, life insurance policies well organized and filed, so anyone could find it and follow her system. While my husband and I live on a budget and are working to pay off all our debt, being organized is one area that I fall short in. It is funny, I was the church administrator for  7 years and kept records. I now manage my best friend's accounting since she has ALS and keep her records in shape, but doing it here at home is something that I need to get organized. If you are looking to organize your finances and get your life back, stop living paycheck to paycheck, check out this book. Now off to start organizing my disaster of a desk! 

Disclosure of Material Connection: I received this book free from the publisher through the BookLook Bloggers <> book review bloggers program. I was not required to write a positive review. The opinions I have expressed are my own. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255 <> : “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”

Wednesday, January 8, 2014

5 things I wish people wouldn't ask about foster kids....

  1.  Are all those your kids? Yes, they are all mine. Just like the students in my classroom were my kids for the time that they were in my class, these kids are mine. I may not have given birth to them, but I love them like my daughter to which I did give birth.
  2. What did their parents do to have these kids come to live with you? My nice answer is that the parents have some issues to work on. But I can't tell you the details. The details of their case is protected under the law. Often I am not given a full account of why they were taken away. Social workers paint the case with broad strokes. Drugs, violence, abuse, neglect, mental illness and sexual abuse are all reasons for kids to be taken out from their biological parents. Often it is not just one of these reasons, but a laundry list of issues. 
  3. How long are they going to be with you? We don't know that. Some kids stay a month or two. Other kids will be with us for a year. It all depends of their family, the social workers, CASA workers, attorneys, and judge.
  4. Don't they have relatives who could take them? Why aren't they with a family member? The process for a family member to take them into care is similar to what my husband and I did to become foster parents. It is not automatic that if the biological parents are unfit, that the children will go to the biological grandparents or aunts and uncles. Often there is no one in the biological family willing or able to take care of the children. In any case, the family members must attend classes, fill out a ton of paperwork, be fingerprinted, and have their home inspected before they can have the children come to live with them. 
  5. Are you going to adopt them? Please don't ask this in front of the children. Yes, we want to provide a forever home for a child, but we are foster parents first. The parents have a year or longer to get the kids back, so my husband and I are not even contemplating adoption until we know for sure that the children will be open for adoption. We don't want to break their hearts by making promises that we don't know that we can keep. There are lots of factors to consider when adopting. When it is right and we know that we are going to adopt, we will announce it. Until then, we aren't going to discuss it.

Wednesday, December 18, 2013

Unglued Devotional Review

The Unglued Devotional is companion devotional to the bestselling book Unglued provides encouragement to help readers handle emotional struggles. Including a daily opening Scripture, Thought for the Day, devotion, and closing prayer, this book helps readers begin a 60-day journey in learning to positively process raw emotions, such as fear, anger, and regret.My take....I am a huge Lysa Terkeurst fan, so my view of this book is based on past experiences reading Made to Crave and her website. I love Lysa's comfortable style of writing. She makes you feel like you are her best friend sitting at the coffee table in her home by sharing stories of her family life and her love of Christ. If you are looking for a small devotional that you can put into your bag, this one is for you! 60 Days of Imperfect Progress! Sounds like my life right now! 3 steps forward, 2 steps back!  If you have read the Unglued book or studied it with a group, this book may not be for you since it basically sticks to the same information. Disclosure of Material Connection: I received this book free from the publisher through the® <> book review bloggers program. I was not required to write a positive review. The opinions I have expressed are my own. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255 <> : “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”

Wednesday, December 11, 2013

Three Steps Forward, Two Steps Back-Adoption Adventures part one

Tom is just one of my first adoptees.
Do you ever feel like that? It seems like my life is always going three steps forward, two steps back! My husband and I decided to adopt another little girl and attended classes in April of last year. After 6+ months of classes, home visits and paper work, we were told that we were approved, but would need to wait until we got our letter. There were months of silence. I didn't know what was happening and assumed that God had closed that door. So in February, I accepted a position as director of my local Classical Conversations community. I got busy planning for the new school year, became a tutor trainer. I was focused! I had a vision for where I was going!

May comes, Classical Conversations is finished for the year, and summer is upon us. We get a letter...You are now official foster parents! Wait! What???? But God, I thought you closed that door? I moved on! I am happy where I am now! Yes, I still want a child, but I'm awful busy. After talking to Alan, he wants to go forward. We get a few phone calls, but learn quickly that when they need a place for children, they don't wait for a call back! We also had an issue with my cell phone number being wrong on their files.

In June, we get our first placement, a two year old little girl with blond hair and brown eyes. She was precious and a handful. I serious questions about whether I was young enough to have a two year old! She was a handful, mainly because she had no inhibitions and no fear! I know what you are thinking...What two year old does? While it is true that most two year old kids don't, children who come from homes of neglect and abuse have much deeper issues. My first job with any new child is to create a bond. When my little girl was born, she and I bonded by nursing, singing, holding, cuddles, and generally making myself the center of her world. While I can't nurse a foster child, I can feed them, sing to them, hold them, cuddle them, and make myself the center of their world. I did this! We bonded! She didn't even want me to leave her on visits with her family. She made herself part of the family within a month. She knew the routines. I kept thinking, "God, is this our child? Please let her be ours!" Sadly, she wasn't. She went to live with her daddy after 6 weeks. It broke my heart, but I was ready to start over with another child.

More adventures soon!

Tuesday, April 30, 2013

Purex Natural a vacation for your clothes

So it has been a while since my family has been on vacation. Last time, we went to Avery Island and learned how hot sauce was made. Yum!  I love the outdoors, but my husband is more a computer/movie buff.

Purex sent me a bottle of their new Natural Elements detergent which smells wonderful! It is like a vacation in a bottle...since my family won't be heading to the beach (which is ONLY about one hour away), I guess I am stuck sniffing the Purex! I love anything natural and tend to make my own detergent when I have the time. Would you like to try it out for yourself? I have coupons to share. Comment below!

Purex sent me a free sample to try and coupons to share, but all opinions are my own!

Combat Roach and Ant Bait

So I have a secret! Every so often, I have a roach problem! Living in South Louisiana, we have the big tree roaches that come in from time to time which are no big deal, but the German roaches are a whole other ball game! When my husband and I were first married, we lived in a duplex and battled the German roaches constantly. Sadly, it was a battle that was only won when we moved out! I totally treated the new house before moving in to it and tried to make sure everything that did go in was roach free! Since then, we have gotten German roaches every so often, but have always been able to kill them off. Honestly, I think that one of the grocery stores that I shop at has them and when I bring home certain products, I get an infestation. Previously, I have used the Combat roach gel that comes in the big syringe. It works well, but that nasty brown gel dries up and becomes a hard sticky mess. I have tried the little roach motels, but they never seemed to work as well. I have even gone to the professional exterminator store and purchased their version in the big syringe. It worked about the same as the Combat and cost three times as much.

So I was thrilled to have the opportunity to try the new bait strips. They contain the same roach gel without the mess! Just peel the cover and adhesive back and stick. Sadly, in Louisiana the adhesive only sticks for a few hours before the humidity gets to it. But the bait works great! I was even able to look at the strip and see where the roaches had been snacking on one of the bait strips!

So who is willing to admit you have a problem? Combat will send you a free sample to try. One reader will win and can pick either they ant or roach strips! Comment below!

Thursday, April 4, 2013

I need a huge favor!

We visited the Infinity Science Center yesterday and they are having a contest.
They want people to post a picture on their Facebook page of people in their
hurricane simulator. The contest ends tomorrow and the picture with the most
likes will win a birthday party at the ISC! Would you go like my picture???\

If the link doesn't work, search for the Infinity Science Center page. Look for
Posts by others section and find the picture by Lori Ann Ola. Thanks!!!!