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Updates & Coordinating a Financial Peace University Class!

March 4th, 2010 at 02:13 am


Well, once again it's been several months since I've been here. It's been a busy time. I'm still taking classes toward an accounting degree. This semester has been particularly tough.

A couple of weeks ago DH and I chaperoned our youth group on a trip to NYC to work with The Relief Bus. It's a mobile soup kitchen based out of Newark, NJ that provides soup, bread and clothing to the poor and homeless in NYC. They also refer them to shelters, job opportunities, health care and counseling centers. It was a really neat few days. It was awesome to see the youth in our group (2 of them our own) step out of their comfort zone and reach out to those less fortunate than themselves. We were all blessed, probably far more than those to whom we ministered.

And some exciting news for us: In 3 weeks DH and I will be facilitating our first Financial Peace University class at our church! This has been a dream of mine for a long time and I'm so excited to finally be getting to do it. We have 20 families signed up so far. I am really looking forward to it. If it changes one family's life as much as it has ours, it will be so worth it!

We are getting so close to being debt-free (except the house)! I can't wait!!!

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. :-)

Long Overdue Update

January 2nd, 2009 at 12:17 am


Wow, has it been a long time since I've written on this blog! Lots of changes for us in the past 7 months.

DS#1 is in his last semester of college. He is pursuing an art degree. DD#1 is taking a semester off of college and working to save money. DS#2 graduated high school and is now in paramedic school. He's working as an EMT and loves it. DS#3 is a junior in high school and working on getting his driver's license. DD#2 is in the 8th grade and is growing up way too fast!

DH and I are going through Dave Ramsey's Financial Peace University. We bought the home kit and just finished the Dumping Debt lesson. We are no longer using credit cards. We should have mortgage #1 paid off this year and the car paid off next year. DH is really getting into it now that he sees it's not boring and it does work.

Our 24th anniversary is this Sunday. We celebrated by buying Walmart's cheapest DVD player ($30) because the Playstation 2 that we'd been using will not play the newer DVDs. We'll go out for dinner on Sunday and use gift cards that we received for Christmas.

I completed 2 more semesters towards my accounting degree. I have 6 more to go. This past semester I took 2 classes instead of just a single and it really worked out well so I'm doing the same this semester.

I have also met my weight goal with Weight Watchers in June and became a Lifetime member in July. Soon after I began working for them as a receptionist. I normally work one meeting a week, but sometimes substitute for others an manage to earn a bit more money. I really enjoy helping other people meet their weight goals.

All in all, 2008 was a pretty good year for our family. I'm hoping 2009 brings a lot of financial advances for us as we strive to pay off the debt.

Class Has Begun

January 18th, 2008 at 12:17 am


My new class started yesterday. I am taking Speech Communications this semester. The instructor seems to be really good and I think I'm going to enjoy it much more than I thought I would.

I'm hoping that this class won't be quite so intense as the accounting classes. I'm ready for a bit of a break from all the studying I've done the past several semesters.

Wintery Day

December 3rd, 2007 at 02:33 pm


I got a call early this morning from my boss telling me that she was not going into work today and neither was I. Hey, who am I to argue with that??? LOL! The weather today is terrible and since I had an accident last year getting to work on a day like this, I think she worries about me traveling over the hill. So I have an unexpected day off. I plan on spending it working on my homework for the week and reading.

We have started Turbo Tax in my class now. I'm not quite as familiar with it as QuickBooks, but I have used it before so I don't expect any problem with it. Only about 3 more weeks and this class will be done.

I probably won't be going to Weight Watchers tonight. With the roads so bad, it's not worth the drive and I can't stay for the meeting anyway. Tonight is DS#3's first basketball game of the season so I would need to drive 12 miles one way just to weigh in and then leave.

It feels so good to have the furniture debt paid off! Every time I think of it being paid, I smile.

Still Plugging Along

October 27th, 2007 at 09:35 pm


I haven't been around much for months. I am still here and still paying down our debt. We will have the furniture paid off next month as long as the overtime continues like it has. Then it will be time to start on the car.

I decided to pay off the car since I checked the Blue Book price on it and it was nowhere near what I had thought it was. So since it is a depreciating item and the house isn't (well, depends on your take on the news lately!), I decided the car was the next debt to focus on.

I am in the middle of my accounting applications class and really enjoying it. Right now we're learning QuickBooks, which I use every day at work, so it's been a breeze. Next up is Turbo Tax. I'm really looking forward to that one.

Today we went car shopping with DS#2. He will be getting his license back soon since it's been 6 months since his last seizure. He has a job, but no car so he's looking for some wheels. It's very hard to find a car in his price range, but he's searching. He's found quite a few on a local site so we checked them out today. One of them is a strong possibility.

I found out a few weeks ago that I'm getting a nice merit raise next year, along with a cost of living raise. That will really help with the budget. I reworked my spreadsheet so that the items that are desperately under budgeted will have more funding.

We got quite a bit of home improvement work done this summer. That's why the net worth chart took a dip. We put on siding and a new porch roof. Now we're working on the kitchen addition.

Guess that's about it for now. Just wanted to drop in and say I'm still here. I hope to have more time to blog from here on out.

Continuing My Education

August 2nd, 2007 at 11:02 pm


Today I registered for a fall class through Distance Learning. I will be taking Accounting Applications which focuses on Quickbooks and Turbo Tax. I was registered for this class last semester but had to drop out because of my health problems. My health is back to normal finally so it's time to continue on towards a degree, slow as the process is.

The class begins August 27th. No more extra reading time!