Tuesday, September 23, 2008

Getting out of Debt

Quit borrowing. Check.
Save 1,000 in cash for “emergencies”. Check.
Pay yourself first. Pay for your shelter, food, utilities, and transportation. If there is any left over, pay your unsecured debt using the debt snowball. Check.
You can not borrow your way out of debt. Cut your lifestyle and live your wage. Budget what is coming in and decide on paper, in advance, before the month begins how it will go out. You can not borrow your way out of debt. (Just a reminder to myself.)

We are still working on cutting the lifestyle, tuning the budget, and getting ready to start spending it on paper in a weekly cash flow plan.

The following is not perfect but I am making progress. Still using some rationalization, but less than I used to.
More notes to myself... (borrowed from someone else trying to get out of debt. I took it all because I think that it's good to revisit those things that you may have rationalized not doing before):
You must make hard, common sense choices to get free of the debt you’ve incurred. After you’ve quit making excuses, rationalizing and making the decision to quit borrowing, reevaluate your lifestyle. What about all those necessities you can’t live without? If you’re serious about getting out of debt, if you’re tired of the stress that comes along with being in such debt, you’ll live without them. Go to the bare bones. Turn off the cable, do you need a land line and a cell phone? Cut down your groceries and buy generics. Don’t eat out. Don’t eat out. Don’t eat out. Cut all unnecessary spending. Starbucks got way too much of my money. Turn down invitations to birthday parties or group vacations. Lunchbag it at work. Don’t eat out. Get a 2nd job or work overtime. Have a yard sale. Sell something. Come up with the money before you borrow more. You can not borrow your way out of debt. In the end, you have to make the decision either to keep living a lifestyle you can’t afford, and borrowing, or to live your wage, pay off your debts, and be free from these financial burdens. Utilize available resources such as family member who has a talent for finding the deals on the stuff you are going to buy anyway! Take the time to plan!

Sunday, September 14, 2008

We love you Mom!






The Sisters worked together this weekend to give Mom a birthday present. Amy organized a paint party. While Misty made sure the kids stayed out of trouble and entertained, Amy and I set out to paint a suede texture on Mom's Wall. We decided to throw in a little extra once we got the painting done.
The "FAMILY" pictures in the photos contain primarily pictures of each of us 4 Sisters' Families. We throw in one picture that represents us getting together in each one. I wish we had made a replica of all of them so we could all have the set of Four... We used them as the centerpiece in her newly painted room.

Can I just say, at least this weekend, we were the "Best Daughters Ever"? Lol.

She loved it and Dad who is a WHITE PAINT person likes it too! He called and thanked me last night for coming up to do something nice for Mom.

Oh yeah, we hung the plates, Jamie gave her too.


PS. BTW, Dennis disagrees with who wins the "best daughters ever, this weekend" award. Kayleigh and Heather came to visit with their Fams and they even cooked for him while I was gone!! A Happy Birthday dinner of Chili Verde Burritos!! So yummy!

The Pantry Project

This was our Labor Day project. We used a lot of teamwork and a pillow on the floor. If you look close you can see it. I forgot to take a "before picture", but for all intensive purposes this was it.

The only difference is the red buckets just sat in the bottom. Now they do this!!

I love these bucket lids. They are Gamma Lids and they just twist right off, easy peasy! So much better than prying those other lids off!
So we just started working our way up with these drawers. Replacing what remained of the first drawers we made, (Husband had no idea I planned to put canned goods in them and I collapsed one.)





I LOVE it love it love it!


We have an "upright drawer" to make still and then convert it to look like the rest of the kitchen. But for now, I have a usable pantry again and am finding new cupboard space and trying to decide on kitchen organization. I love this part!
Thanks Hubby!

Sunday, September 7, 2008

Pepper Packed Pasta Salad

Teri Tsang
From Every Day with Rachael Ray
August 2007

You may remember the yummy salad that Kayleigh made for the Mother's Day Camping Trip at ROCKPORT? ;) This is the one! Thought this was a keeper for sure! Found the name of the recipe in my Rachel Ray mag. Thanks for treating us Kayleigh!
1 pound spaghetti or linguine, snapped in half
1/2 cup extra-virgin olive oil
4 links (12 ounces) precooked chicken sausage
4 ounces feta cheese, crumbled
1 green bell pepper, seeded and thinly sliced

1 red bell pepper, seeded and thinly sliced
Grated peel and juice of 1 lemon
1/2 bunch mint, leaves torn
Salt and pepper

1. In a large pot of boiling salted water, cook the spaghetti until al dente, about 12 minutes. Drain, reserving 1 cup pasta cooking water.
2. Meanwhile, in a small skillet, heat 1 tablespoon olive oil over medium-high heat. Add the chicken sausage and cook until lightly browned, about 10 minutes. Let cool for 5 minutes, then slice crosswise into thin rounds and set aside.
3. In a large bowl, toss the pasta with the cheese and remaining 7 tablespoons olive oil. Add the bell peppers, lemon peel and lemon juice. Toss to combine and set aside to cool. Toss in the reserved sausages and the mint. Season to taste with salt and pepper

Saturday, September 6, 2008

Mastering Behaviors... Eventually : )

Change is incredibly hard!! So so hard!

I believe with all my being that I CAN do(or not do)whatever it is that I put my mind to do. I think that I was fooling myself that it would be easy, though. It is NOT easy. It's tough!

It's been awhile since I put myself to a real challenge. The last challenge was stopping an activty. This time I'm trying to add an activity.

DOING something new that is not completely pleasant, is hard! (whine) I haven't been doing well on the elliptical exercises. In fact at this very moment I am blogging and not working out.

Why can't we just decide from now on I will always..(fill in the blank, oh say I'm going to get on the elliptical machine in the morning and in the afternoon.) or just decide from now on I will never....(go to bed with dirty dishes in the sink, or spend money I don't have)and have it actually happen with relative ease?

On the other hand, the easiest person to change, and really the only person I can change is me. It is within my power. I have to want it and I have to remember that I want it bad at least twice a day.

Getting on the elliptical has health benefits for me. This is Part 2 of making healthy choices for me. (Part 1 was no smoking.) I accepted during Part 1 that there was going to be uncomfortable things that go along with making a positive change and that I was going to have to deal with it, that it would last 6- 10 minutes and would occur 20 times a day. I suppose that I need to do the same thing now...I need to accept the uncomfortable parts of exercising twice daily and the hassle and just do it. ...ughh! I mean... Go Me!!!

Mastering Behaviors... Eventually : )

Change is incredibly hard!! So so hard!

I believe with all my being that I CAN do(or not do)whatever it is that I put my mind to do. I think that I was fooling myself that it would be easy, though. It is NOT easy. It's tough!

It's been awhile since I put myself to a real challenge. The last challenge was stopping an activty. This time I'm trying to add an activity.

DOING something new that is not completely pleasant, is hard! (whine) I haven't been doing well on the elliptical exercises. In fact at this very moment I am blogging and not working out.

Why can't we just decide from now on I will always..(fill in the blank, oh say I'm going to get on the elliptical machine in the morning and in the afternoon.) or just decide from now on I will never....(go to bed with dirty dishes in the sink, or spend money I don't have)and have it actually happen with relative ease?

On the other hand, the easiest person to change, and really the only person I can change is me. It is within my power. I have to want it and I have to remember that I want it bad at least twice a day.

Getting on the elliptical has health benefits for me. This is Part 2 of making healthy choices for me. (Part 1 was no smoking.) I accepted during Part 1 that there was going to be uncomfortable things that go along with making a positive change and that I was going to have to deal with it, that it would last 6- 10 minutes and would occur 20 times a day. I suppose that I need to do the same thing now...I need to accept the uncomfortable parts of exercising twice daily and the hassle and just do it. ...ughh! I mean... Go Me!!!

The big plunge...

Starting Weight 193.8
Week 1 194.2 - +.4
W- 2 190.2 - -4.0
W- 3 186.4 - -3.8
W- 4 186.2 - -0.2
W- 5 184.0 - -2.2
W- 6 184.5 - +0.5
W- 7 185.0 - -0.5
W- 8 183.2 - -1.8
W- 9 180.0 - -3.2
W- 10 183.2 - +3.2
W- 11 179.0 - -4.2
W- 12 177.1 - -1.9
W- 13 175.1 - -2.0
W- 14 171.6 - -3.5
W- 15 169.9 - -1.7
W- 16 168.4 - -1.5
W- 17 165.4 - -3.0
W- 18 161.9 - -3.5
W- 19 165.4 - +3.0
W- 20 163.0 - -2.4
W- 21 165.8 - +2.8
W- 22 162.0 - -3.8
W- 23 159.8 - +0.4
W- 24 158.0 - -2.7
W-k 25 156.4 - -1.6
W- 26 154.3 - -2.1
W- 27 153.9 - -0.4
W- 28 152.0 - -1.9
August 30, 2009
W- 29 149.9 - -2.1
W- 30 147.7 - -2.2
W- 31 147.1 - -0.6
W- 32 149.5 - +2.4
W- 33 151.3 - +1.8
W- 34 150.2 - -1.1
W- 35 150.8 - +0.6
W- 36 150.3 - -0.5
W- 37 149.1 - -1.2
W- 38 149.8 - +0.7
W- 39 150.1 +0.3
W- 40 156.3 +6.2
W- 41 153.3 -3.0
W- 42 152.6 -0.7
W- 43 152.6 -0.0
W- 44 150.7 -1.9
W- 45 152.4 +1.7
W- 46 153.0 +0.6
W- 47 152.3 +0.7
W- 48 150.1 -2.2

W- 49 147.5 -2.6
W- 50 146.3 -1.2
...
...
W- 53 151.0 +2.0
W- 54 149.3 -1.7
W- 55 144.9 -4.4
W- 56 144.1 -0.8
W- 57 140.0 lbs. Goal!!!!