A plan for your finances

For a lot of us, as we started the year one of our new years resolutions was to take control of our finances. But what action do you have in place to do so?
Yesterday I was able to go to the grocery store and buy the things our family needed. My cart was full! And it humbled me. In January 2007 our budget was far different. We struggled to buy things like a gallon of milk. I felt small and defeated every time the monthly bills we're due or needing a tank of gas in the car. 

The reason I'm sharing this is for those of you in that boat now. Or maybe your not to that extreme but need to put purpose to your finances. This year my mission is to share the tools, resources and what I've learned over the past 11 years that has blessed our family and our finances. 

I want to help you to gain control, gain peace of mind, encourage you and help you gain choices! 

Here's to 2018 and becoming financially well! 

the first step

Starting today I want you to vow to take control of your finances. To gain that "No Matter What" mentality that will drive you forward with purpose to stop living in this cycle. Lets roll up our sleeves and design a plan! 

One of the things that I implemented years ago was a system for keeping track of our bills, expenses and knowing what we owed (and we owed a lot!!!). 

Print off January and February Finances pages.
March through December will be appearing here soon. 
Right click on this image, save it to your computer and print. 

Next your going to put action into place! This isn't a race but a journey as you design a plan that WILL work for your family. 
It's easy to start with January as some of your bills you've already paid. Look back through your check register and write down the bill, amount you paid, when the due date was and the balance (if applicable) for that account. 
Next, write out your goal. 
If you aim at nothing, you’ll hit it every time.  – Zig Ziglar

Is your goal something like: 
"To gain control of our finances".
"To have more money than month".
"To keep a positive bank balance all month". 
"To pay off our home".

What ever your goal is for the month/year, write it down! This will drive you forward to continue to be purposeful with your finances. 

Here's to your financial wellness in this new year! 

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Bless this year!

 Happy 2018 Friends! 
This is the blessing I've been praying over this year. 
 Bless this year with love and light. 
 Bless this year with faith and sight. 
 Bless this year with grace and ease.
Bless this year with joy and peace. 
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DIY Christmas Chalkboard Gift

When at all possible I prefer to give non-electronic gifts. I think there is a little piece of magic inside receiving something that's handmade as well. Here is a DIY project that anyone can make and will provide lots of entertainment, no matter the age. 

DIY tic-tac-toe Chalkboard

 Here's what you'll need Chalk Board Spray paint, a ruler, masking tape and a piece of lumber. I used a 1x10 (the board I used measured out to be 9 1/4 across making the measurements easy). 
I chose to make a few different styles by staining my first piece. 

 Then measure out your lumber and apply your masking tape. I would also recommend taping the edges so you can avoid bleeding from the spray paint onto the edges.

 You will then head outside and spray paint your piece of wood. I applied two coats of Chalk Board spray paint allowing it to dry for 20 min before I applied a second layer.

 For a little more fun you can paint the backside with your chalk board paint as well. 
Partner your board with some chalk and you have a perfect handmade gift. 
Christmas blessings!

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5 Tips for a Debt Free Christmas

The Christmas season is here you guys! 
Our family is so excited for all things winter. 

In a world where we are striving for the best Black Friday deal or the most bang for our buck on Cyber Monday, I want to encourage you to change your mindset this year and celebrate the new year without a mountain of Credit Card debt hanging over your head. 

5 Tips for a Debt Free Christmas

1. Create a List! It's incredibly helpful to know who your buying for. This helps you to keep from overspending and impulse buying not knowing if you have everyone. 
Below are a few printable Christmas gift lists I adore. 
Find this Printable HERE.
Find this Printable HERE.

2. Create a Holiday Gift Budget! I found this Printable over at CreatingMarysHome.com and love the layout. Be sure to hop over and print it out and USE it! 
Find this Printable HERE.
3. Resist Temptation! This might be one of the hardest tips! Around the holidays there is a surplus of flyers that have very enticing deals, commercials with all of the newest gadgets and at the checkout lines you'll find "specials" that are strategically placed there for the shoppers to grab. Stick to your list and avoid those little extras that all add up to hundreds of dollars on stuff we don't need. 

4. Pay for gifts with Cash! Before you head out to do your Christmas shopping stop by the bank and grab some cash. With your budget in hand you'll be able to pull out the right amount of cash that will enable you to buy for those on your gift list without putting it on a credit card. 

5. If you don't have cash on hand then it's time to add to your budget! Check out my series on way's to add to your Christmas budget. Simple steps daily will help you to have the money in hand to avoid overspending. 
Click HERE to read on.

May your Christmas season be full of Wellness and Prosperity! 

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Make some Christmas cash: Day 3

We're a family of 6. 
Anything we do seems  IS expensive.... gift giving x 6, travel expenses x 6, grocery shopping x 6, eating out x 6, events x 6. 
I love our big family but man are we expensive, I'm sure many of you can relate! 

So the more cash we have on hand for the holidays the less stressed I am and the more enjoyable the season is. 

Bring in a Secondary Income the Traditional way: Work! 

Lots of businesses look for seasonal workers during the Holiday season. This does require some scheduling that might not work for everyone's schedule especially if you have little kids that might need someone to care for them. 

There are also online options where you can earn a pay-check from the comfort of your home computer or smart phone. This option has been best for me personally because of my 4 kids. If you look for ways to earn an income online I encourage you to do your research. THIS (Click HERE) is a great article to help you navigate what you should be watching for as you move through this sector. 

Wishing you a day full of wellness! 

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Make some Christmas Cash: Day 2

All this week we are talking about way's we can add some cash to our budgets for Christmas. 

One way you can make some cash is to provide a service for others. 
Think of out of the box ideas that would help relieve pressure or aid time to others. 

Things like putting up outside Christmas d├ęcor, wrapping gifts, sending out packages or Christmas cards, babysitting for Moms who need to do Christmas shopping etc. 

These tasks might not make you rich but it will help put cash in your pocket for the holidays. A bonus is many of these projects older kids can do as well to make some spending cash. 

Follow us on Facebook to see more ideas and tips for a Debt Free Christmas! 

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Make some Christmas Cash: Day 1

Can you believe Christmas is getting so close?! 

If you've been following me this past week I've been focusing on having a Debt Free Christmas. Most Americans spend well over $900 each year just in gift giving. That doesn't include travel expenses, extra food, events etc. 

From now through December 25th I'll be sharing ideas, tips, tools and DIY projects you can accomplish so you lead into 2018 without any Holiday debt. 
- - - - - - - 
One of the way's we can detour away from using our credit cards is to have extra cash on hand to pay for those Holiday expenses. This week I'll be sharing 5 way's that you can make some Christmas cash. 

A simple way to make some cash and relatively quickly is to sell some things! 

Think about it, your kids have a room full of things that they have possibly outgrown, right!? How about all of those Holiday dresses or little suits you buy for your kids each year. 

Go dig through their closets. Compile 5 - 10 pieces. Sell each dress for $10 and you'll easily make $50 - $100. 

Tips for Selling Used Clothing
  • Make sure it's clean, stain free and without tears. 
  • Pieces that are less than 5 years old will sell better due to trends and styles.
  • When taking photos of your pieces your looking to sell make sure you take the photo in a clean spot in your home. Avoid having a lot going on in the background and make sure your photo is of good quality. 
  • Sell in your local area. I find Facebook for sale sites near our hometown are a great source to sell pieces so I can avoid shipping expenses and can hand deliver. 
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