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Archive for September, 2009

Introducing Ramsey...

September 30th, 2009 at 10:33 am

We added a new member to our family in March. His name is Ramsey and he has really livened up our household. He's a 4-pound Yorkshire Terrier. When we got him he was only 1.6 pounds, so he's really filled out since then!



I have always wanted a Yorkie and so when DS#3's girlfriend's dog had puppies and they said they'd only charge us half-price, I started saving my blow money. Slowly, but surely, it added up until I had just enough by the time the puppies were ready to come home.

I couldn't make up my mind which of them I wanted. There were 2 girls and a boy in the litter. I was pretty sure I wanted a girl, but which one? On the way home from church one night DS#3 mentioned that he really liked the boy puppy and if we didn't take him, his girlfriend's parents were going to keep him just because he was so lovable. I told him that I didn't have a name for a boy though. I had a couple of names picked out for a girl. DH replied that I should name him Dave Ramsey since I listen to him all the time. And so that is how Ramsey became a part of our family.

Generation Change

September 27th, 2009 at 08:51 pm


Last week I started teaching Dave Ramsey's "Generation Change" curriculum to the teen Sunday School class. Now, if you knew me, it would be a big surprise that I would volunteer to do this because I am a very quiet person that rarely, if ever, speaks up in class. But this is such an important topic that most kids are not being taught at school or at home, that I had a burden to do it. I am hoping that they will finish this class with a sense of how to manage their finances while in college and as adults.

So far, the kids seem to be enjoying the class. The first lesson focuses on materialism and how we are more than just what we own. Next week we will get into the basics of personal finance and budgeting.

Last week I was extremely nervous, but this week I was surprised to find that I was fine. It doesn't make much sense since last week the class time was taken up mostly with the video part of the lesson and this week I had to talk the entire time. I'm hoping that each week gets easier. It's a subject I feel passionate about, so I think that helps tremendously. I am hoping to help just one teen avoid learning lessons the hard way, like we had to.

New Hobby

September 25th, 2009 at 09:21 am


DH and I have stumbled upon a new hobby that we enjoy. It's even better because we can do it together and it's not very expensive.

I was wracking my brain for a birthday gift for him last spring and a friend suggested a GPS unit so we could go geocaching. I had never heard of geocaching until about a year ago. I thought it sounded interesting so I did a little bit of research. Now, I am a big fan of the TV show Amazing Race, but we could never do that together because we would either kill each other or get divorced. Too much pressure! But, geocaching I thought we could handle.

So I found someone that wanted to upgrade to a better GPS unit and bought their used one from them for us to give this a try. We are now hooked! All it costs us is our gasoline and money for a meal if we decide to eat out.

For those that don't know what geocaching is, it's a sort of treasure hunt. We go to geocaching.com and download coordinates for the caches we want to find into our GPS unit and off we go. We drive to the area where the cache is hidden and then follow the GPS to within a few feet and then the hunt begins.

A cache can be very small (think medicine container) or rather large. Quite often they are in ammunition boxes. When you find the cache, there is a log to sign and goodies that you can trade. We carry a bag with odds and ends in it to leave in the caches. Quite often, I get a Happy Meal at McDonald's so that I can leave the toy that comes in it.

We have found 75 geocaches so far. Right now we are working on a series of caches for which we will earn medallions when we are done.

A few of the kids have gone geocaching with us when they were able and have enjoyed it also. It's a great recreational activity for the whole family. It gets you out to places that you might not otherwise ever see and you get exercise while doing it.

Blown Engine

September 24th, 2009 at 01:10 pm



LuxLiving tells me that I need to update, so here I am. :-) I do mean to post here more often, but it just doesn't seem to happen.

We are doing fairly well. We did have some excitement this past Tuesday. Son # 2 (of course!) called and asked us to come pick him up. He was on the interstate and his engine blew! He said that oil sprayed everywhere and the compartment filled up with black smoke so that he couldn't see to pull over. He slowed and edged over until he felt the rumble strip and managed to get off the road. By the time we'd gotten to where he was stranded, he had the car at a salvage yard and made arrangements to send them the title to scrap it. So he is without a car once again. This was the 6th car since he started driving 3 years ago that has bit the dust!

We are still whittling away at debt. We have just over $6,000 left on the car and then we will be on to working on a fully-funded emergency fund.

I did quit my 2 evening jobs. It was getting to be too much with taking 2 classes and DD's volleyball season starting up. I got to figuring that by the time I bought my dinner those nights and took into account how much I spent on gasoline, I really wasn't making anything anyway. It's been a huge relief. I am still doing bookkeeping for one library as a side job though.

Guess that's all I can think of that's happened lately. Hopefully I'll get back here before Lux has to tell me it's time. :-)