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  • 01/02/17--02:25: 2017 Goals
  • Setting goals is extremely helpful for me.  I have anxiety if I don’t have a plan set in stone, and by writing down exactly what I’d like for us to accomplish makes me feel better.  Last year I didn’t set goals, but I did in 2009, 2010, 2011, 2012, 2014, 2015. -Pay $8,000 down on the principal of our home.  We’re still in the same house we bought almost 10 years ago. That is crazy! I never thought we would be here that long.  I’m glad because my sister and her family now live next door! I can’t see us moving in the near future, although you never know.  We’re slowly chipping away at the mortgage, and that feels good! -Save money for college education/the future for kid(s).  I would love to help provide funds for a college education for our child(ren) and will do the best we can with saving now.  I also figure by the time our kid(s) start college, we’ll have the mortgage paid off hopefully and will be debt free so that we can cash flow […]

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  • 01/03/17--02:22: Elderberry Syrup Recipe
  • During the winter, my family takes elderberry syrup along with other supplements to boost our immune systems. Elderberries have been known to shorten the duration of illness, and it’s a berry so it’s generally considered safe for pretty much anyone including pregnant and nursing women. I personally have taken it while pregnant and nursing.  I really enjoy making and taking the elderberry syrup. If you don’t want to make your own elderberry syrup, you can buy it here. Elderberries (sambucus nigra) grow in the wild, and you can harvest them yourself and make the syrup if you would like.  Some of the benefits of elderberries are: cold ad flu relief, blood sugar stabilizer, natural diuretic, good for allergies, and high in antioxidants.  They are also high in vitamins A, B6 and C, which helps them boost the immune system. I purchase my organic elderberries in bulk from Amazon. They’ve always been great quality and I like buying in bulk so I don’t have to worry about running out when I want to make it.  Sometimes I also make elderberry tea by steeping 2 […]

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    Years ago, I hopped on the homemade laundry detergent train.  I thought it was cheaper, more natural, and worked just as well as commercial laundry detergent.  I used it in my high efficiency front loading washing machine for years until we had Penny and then I decided to try a different laundry detergent on our […]


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    Do you love LuLaRoe? I have a size medium Cassie skirt (not the print pictured in the photo!) that I’m giving away to a lucky reader! I don’t sell LuLaRoe but wanted to share some love. To enter, please leave a comment telling me something nice you have done for someone lately. Please share on […]


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  • 02/27/17--09:03: Dave Ramsey’s Baby Steps
  • Dave Ramsey is quite the financial guru, and one of his biggest beliefs is his “baby steps” program- the steps he believes will lead you to financial freedom.  I like Dave Ramsey, and I believe he’s got some great ideas to help people become debt free and lead a financially stable life.  Here are the […]


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    The other day, our dryer quit working how it’s supposed to.  We have an LG dryer that we bought to go with our washing machine when we bought our house ten years ago.  It has a special sensor that can tell when the clothes are dry, and I love it! There is no guessing and […]


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    I have been a fan of simple living/minimalism for many years.  I have worked hard to declutter our home and keep it as clutter free as possible even after adding to our family.  Over the past few years, I’ve tried many different methods in decluttering and simplifying our house.  One of my favorite methods is […]


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  • 07/30/17--13:12: Mr. Money Lost His Job
  • 88 Days ago, Mr. Money accepted a new position after he was contacted by a company numerous times offering him an Executive Chef position. He had turned down the company twice before he decided that he was going to seriously consider working for them. He had an interview where they talked with him, he performed […]


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    Everything here has been a whirlwind lately since Mr. Money lost his job a couple months ago.  We’ve been trying to keep our heads above water, and I feel like we’ve been doing a pretty good job doing that so far.  One of the hardest things for me is when I have a million transactions […]


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    Many times over the past almost six years that I’ve been a stay at home mom, I’ve been riddled with guilt over our decision. Thoughts float around in my head: “Should I go back to work?”, “Will we be able to save enough for retirement without me financially contributing at this moment?”, “I really wish we […]


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  • 01/06/18--08:29: 2017 Goals Recap
  • For many years now, I’ve set financial goals at the beginning of every year.  Here are 2009, 2010, 2011, 2012, 2014, 2015. Last year, we set goals for 2017 and today I’m going to see just how well we did.  2017 was extremely hard as Mr. Money lost his job at the end of July.  […]


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    A few months ago, I mentioned that I was going to try using only our credit card for expenses to see how that would work for us.  We have a rewards credit card where we get cash back on certain purchases (4% on gas, 3% on movies, 2% on restaurants and groceries, and up to […]


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    When Mr. Money lost his job last year, we went into survival mode.  Obviously, finances were incredibly tight as we figured out what our income was going to be and how we were going to work things out.  Mr. Money has been studying software development for over a year now, and actually was accepted to […]


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    “How much does a dental implant cost?” is not a question I ever wanted to know the answer for.  However, last fall we found out first hand just how expensive a dental implant is. Mr. Money had a tooth that had become painful and he made a trip to our general dentist for an exam. […]


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    If you own a house, chances are you’ve considered making extra principal mortgage payments in an effort to pay your house off faster.  However, there are some pros and cons to paying a mortgage off early. I was always under the impression that when we were in a financial position to prepay pay the mortgage […]


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  • 09/26/18--10:17: Gratitude is Everything
  • The past year and a half have been pretty rough for us. My husband lost his job last summer,  started a new job about five months later, and started classes to pursue a new career field. Sometimes I get disappointed thinking about all the things we can’t do right now, what we can’t afford, and […]


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    A few months ago, I visited my primary care physician begging her to run blood work on me to test various functions: thyroid, my blood sugar (A1C), and anything else she thought could be causing the symptoms I was experiencing. I felt awful every day; like I was seriously dying. I was waking up in […]


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