Dumping Debt: Part 3

Three years ago my mom gave me Dave Ramsey’s Financial Peace University (FPU) kit for my birthday. While I was a little skeptical, at first, I read the book and listened to the CDs on my way to and from work…and I allowed Mr. Ramsey to change my perspective on how I handled money.

So, when my boyfriend (now hubby) and I were getting serious, we watched the DVDs together. I could tell he was a little skeptical, as well. However, he gave it a try. He saved up and purchased my engagement ring with cash, and when we got married, we did so, debt-free (you can read about that here); even our honeymoon was paid in cash! During our first 7 months of marriage we worked hard at paying down our debt, which included his car and my student loan.

In November, we discovered we were pregnant! Being just one payment shy of having the hubby’s car paid off, we went ahead and made the final payment, and then pushed pause on our debt-snowball; only making a minimum payment on my student loan each month. Then, we saved during the pregnancy. We did purchase a used car, with cash, when my car went out of commission earlier this year, but then we continued to save. After this mommy and baby came home from the hospital, we used the money we’d saved to pay off the hospital bills, and put a huge chunk down on my student loan.

And on October 31st, 2017, we made our LAST student loan payment, making us DEBT FREE at last!!

Now, we’re on to Step 3, and then on to what Dave calls Step 3B, which is a down payment for a house. And guess what! YOU can do it too! It takes hard work and self-discipline, yes, but it’s possible!

Have I mentioned that after baby girl came, I left my job!? I’m now a stay-at-home mom, because we made good financial decisions based on Dave Ramsey’s principles!

Do you have any dreams or goals that you continually push aside, because your finances prevent you from chasing them? Perhaps you should check out Dave Ramsey’s FPU. You won’t regret it.

7 Baby Steps

  • Step 1: Save $1000 Emergency Fund
  • Step 2: Debt Snowball
  • Step 3: Save 3-6 months of Expenses << This is where we are now!
  • Step 4: Invest 15% of Household Income
  • Step 5: College Funding for Children
  • Step 6: Pay off House Early
  • Step 7: Build Wealth & Give!
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Babies, Budgets, & Faith

It’s currently around 2 a.m. and I’m beginning this post as I feed my 5-week-old baby girl, whom I affectionately call my Cookie Girl. If you’ve been following this blog, you know that we discovered last Thanksgiving that we were expecting, and since then it’s been a challenge to write because I’ve had baby on the brain, lol. It’s no joke; once you discover you’re pregnant, that baby is all you can think about for the next few months and it’s a real challenge to discuss anything else.

Angelica&amp;Wilfredo(1of39)Pregnancy is one of the most faith-testing things I think a woman can face; at least it was for me. I’m someone who likes to plan and be in control, and pregnancy is so outside your control. Everything is completely in God’s hands. From the timing of conception, to the sex of the baby, the health of mom and baby, and to the circumstances and time of the delivery; He plans and knows every detail, leaving us with no choice but to trust Him.

I thank God for a healthy and smooth pregnancy and delivery. I know not everyone has a good experience during pregnancy. I had some nausea during the first trimester, but nothing too serious, and not until my last trimester did I have a ton of difficulty sleeping and swelling in my legs and feet. I gained a pretty healthy amount of weight by mostly sticking to foods high in protein throughout, not giving in to every craving, and drinking lots of water. And when my water broke at 5:30 a.m., in July, we were blessed to welcome a precious, healthy baby girl into our arms, just 12 hours later.

When we found out we were pregnant, we were just a payment or two shy of paying off my husband’s car. So we finished that, and then, just as Dave Ramsey suggests, we paused our baby step two–paying off debt–to save for baby.  However, while we were adding to our emergency fund, my car’s power-steering gave out on me one night, just as I was merging onto the highway. This pushed up our timeline to purchase another vehicle by a few months, and we were able to purchase a new used vehicle with cash, in May. Then we went back to putting money into our emergency fund for the rest of the pregnancy.

To be quite honest, I wasn’t as on my budget game as I should have been during this pregnancy. The biggest budget buster for us was food, since nothing ever sounded appealing to me, lol. But we did save in other ways. An area I recommend to save money on is maternity clothes. I suggest only purchasing a pair or two of maternity jeans; two pair of dress pants, if you work outside the home; two maternity shirts; two tank tops; two or three pairs of maternity leggings; and three or four maternity/nursing bras. I also picked up a few stretchy, flowy, dresses from Ross to wear as tunic tops with my leggings, and my sister sent me a few beautiful dresses she’d found on the clearance rack, as well. Dresses, leggings and tunic tops were my best friends towards the end, and I’m still wearing them post-pregnancy, since my pre-preggo pants aren’t fitting just yet.

Baby clothes are another area to save in. We realized early on that there are sooo many cute baby clothes out there that it would be very easy to go overboard. I had to remind myself, more than once, that our new baby wouldn’t need all that many clothes. Baby’s outgrow them really fast; and clothes tend to get laundered every few days anyways. Most importantly, God really instilled in me that our children are not toys or fashion accessories; Cookie Girl has been entrusted to my husband and I to raise and train for His glory, not to put on display. Besides, what would we be teaching her if we were overly concerned about her appearance? The Lord, Himself, says that it’s our hearts that matter (1 Samuel 16:7), not outside appearances, and we would do well to instill that in our children.

I thank God that He’s given us this opportunity to love, teach/train another human being about Himself. It’s quite a responsibility to raise a little person that will ultimately become a full-fledged adult. My husband and I find ourselves praying quite often for direction, and we’re only in the first few weeks! We may still be learning about this whole parenting thing, but I’d like this to be a shared experience, so intermittently I’ll bring up challenges and things we’ve learned along the way with y’all, just as I have regarding other areas of my life. I love y’all and pray that God continue to use me and this blog for His honor.

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Planning a Debt-Free Wedding 

This post has been a long time coming. For those of you who don’t know, my husband and I were engaged in December 2015, and married by May of 2016. We’d been dating for about a year and a half before he proposed, so we decided on a short engagement. If you’ve been following me for a while, you know that I’ve been following Dave Ramsey and have been trying to pay off all my debt for the last few years, so the then fiancé and I agreed not to go overboard on the wedding.

So, how did we accomplish a beautiful wedding without going into debt? I’ll explain.

Talk About Your Goals

Before we were even engaged, W (the now hubbs) and I had discussed our financial goals. He watched the Dave Ramsey FPU videos with me and we talked about how this would work for us. Therefore, when we went to pick out that engagement ring together–lol, yes, I wanted to pick it out–he knew going in, that we weren’t going to finance it, and we had a budget in mind.

Budget

There goes that dirty little word, lol. But it’s so important! Without a budget, the sky is the limit. I’ve heard about couples who start out their marriage tens of thousands of dollars in debt because they went for the huge engagement ring, lavish wedding, and expensive honey moon; and we didn’t want to be in that boat. Especially, since we were already going into marriage with my student loan debt and his car loan (we’ll talk about this more at another time).

Here are some ways we chose to cut down on expenses.

The Ring

We shopped around a few places looking for the ring. What I originally thought I wanted, once I saw it on my finger, I wasn’t really impressed with. However, the best decision we made was to go with a local, family-owned jeweler. Their prices were much lower than the chain stores AND they had the ability to replicate any designer piece that we wanted at a fraction of the cost.

The Dress

I chose not to go overboard on the dress. I didn’t want to spend a ton of money on a dress A&amp;W-158that, let’s be honest, I was only going to wear once. Two of the most important take-aways during dress shopping 1) don’t knock the discount rack, and 2) don’t be afraid to try on something you think looks strange on the hanger. (That’s how I found my dress!) Also, don’t forget to include the cost of alterations, shoes, and veil, if you choose to wear one. Lastly, instead of going with the dress shop for alterations, check around for a good deal. We chose to go with a local tailor because they charged much less. (Don’t forget, you could always rent a dress if you won’t want to purchase one.)

The Guest List

It may seem like I’ve placed this in the wrong spot, but really, the size of your guest list is going to determine a lot about your wedding. When W and I were discussing our wedding plans, I originally didn’t want a wedding; I wanted to elope. Mostly, because I’m in introvert and get stressed out by crowds. Eventually, I changed my mind, but I wanted to keep the wedding as small as possible. Therefore, our guest list was less than 50 people. This meant we could choose a smaller wedding venue and had some wiggle room when it came to food and drinks.

(Disclaimer: If you go this route, don’t be surprised if people get upset with you for not inviting them to your wedding. Sadly, I have family members that refuse to talk to me because we chose not to invite extended family.)

The Venue

Living in Northern Virginia means that our area is rife with prime wedding locations.A&amp;W-348 However, most of them cost MUCH more than we wanted to spend. We decided on a small, local farm that charged by the hour to use their barn space, and we chose to have a brunch wedding. Choosing the brunch wedding meant we didn’t have to pay the costs associated with an evening wedding (i.e. extra security, clean up, lighting, etc.). The cost was soo much better than if we’d gone with one of the bigger farms, or bed-and-breakfasts, that provided a full-service wedding. And we used the picnic tables provided in the rental, so we didn’t have to rent tables and chairs!

The Caterer & Baker

A&amp;W-213My husband loves food. Like REALLY loves food. I was just telling someone today, that he’s pretty much an artist in the kitchen. I cook to eat, but when he cooks, it’s a creative experiment, lol. So, when it came to food we really had to do some research. We went with a local caterer, who provided his own staff and table linens, and worked well alongside the bakers from the cupcake shop we purchased our cupcakes from. And we ate family style! Meaning, food was passed along the table, instead of buffet style or plated. I loved it!

Photographer & DJ

We have quite a few friends who have side photography businesses, and I’m sure you do too, since it’s become much more common nowadays. I’d suggest you shop around, and check out portfolios before making your decision. Your lowest offer might not be your best, but neither might your highest. We chose to have a friend that we weren’t specifically inviting to the wedding take our photos, because we didn’t want our guests to have to work during the wedding. We also knew someone who offered DJ services, through our church, at a reasonable price. You’d be surprised how far networking and checking with your friends can take you.

Flowers & Décor

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For most weddings these two might go under separate categories, but for our wedding I’d say they went under one. First off, we didn’t have a wedding party. There were no bridesmaids, groomsmen, flower girls, or ring bearers. Remember, we wanted to keep the cost and stress levels way down (and when you have additional people involved in the ceremony, the stress level skyrockets). I’d suggest, even if you do have a wedding party, don’t use a big flower retailer, because you’re going to pay way too much. We almost purchased our flowers through Costco, because they had good prices, but instead, we were able to find a florist who was just starting out. She gave us a great deal on my bouquet, Ws boutonniere, and our parents boutonnieres and corsages. I believe when it comes to flowers, less is more. (I think we actually ordered a little too many flowers for our table décor, lol.)

For our table settings we purchased some lace, crates, and milk bottles from the craft store and IKEA, and during the wedding ceremony our guests sat on bales of hay.

Friends & Family

Lastly, we couldn’t have had a debt-free wedding without our close friends and family. A friend did my wedding day makeup; our parents helped pay for the venue, my dress, and the flowers; and the night before the wedding, some of our friends and family helped us decorate our venue. Afterwards, they helped clean up and put everything back in order. A&amp;W-217

I just wanted to share this with you to tell you that you don’t have to go into debt to have a beautiful wedding. Ultimately, the only thing that matters is that you’re marrying the one you love. As I told W before our wedding, even if everything went terribly wrong, all that mattered was that at the end of the day we’d be husband and wife.

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God Listens and He Cares

In my last post–JOY–I alluded to the fact that God had reminded me that He cares for me, and I thought I’d let you in on what’s been going on in my life and how God has been moving.

For the last few weeks, I’ve been feeling really overwhelmed by my job and have been on the hunt for a new one. I was applying for everything, including part-time jobs and temporary jobs. I figured any extra income could help us (my husband and I) achieve our financial goals quicker and allow me to eventually leave my current full-time position.

So, here I sat, the day after my birthday, on my sofa, praying and journaling. I was telling God that sometimes I don’t like to come to Him with my little life struggles, because they seem so insignificant and small when I compare them to the real struggles, trials, and hardships of the people and world around me. Yet, I just talked to Him about how I’ve been feeling and how I wish I had a way out, because I felt stuck. I finally ended my journaling by just writing that I wished I just knew that He cared. All I wanted to know was that God was listening to me and that He cared.

I went on about my day, cleaning up the house, doing laundry, etc. and as I was hanging up a shirt in the closet…the phone rang. It was a reply to one of the positions I had applied for. I thought it was for a temporary position, but the manager was looking for a part-time employee. I told him my current work schedule and he didn’t think it was going to work out, so we said our goodbyes. Not 5 minutes later he called back, asked me a few more questions and I told him what was going on with my current work situation and how I eventually planned to leave; and the next thing I knew, I had an interview! You’d better believe I was thanking God and laughing after we’d hung up. God showed me very clearly that He was listening to me and that He certainly cares.
But…there’s more! The business that offered me the interview is Christian owned and operated, and during the interview process the manager told me that he’d already done all the interviews for the position, and was about to make his selection when my application hit his inbox and “something” told him he needed to take a look at it. 😀

God listens and He cares.

Afterwards, I was told that if I were to get the position I would be notified on Monday. However, Monday came and Monday went and no call. I was a little disappointed, because I was so positive that God had ordained this…

But God listens and He cares.

Tuesday afternoon, I got the call! Again, I was thanking God in my cubicle.

Oh…but wait…about an hour later, a PC notification window popped up on my work computer, letting me know of a scheduled meeting that I hadn’t even noticed before. I didn’t know what it was for. During the meeting we were surprised to discover…that our positions will be outsourced in the near future. o.o

But God listens and He cares.

So often, we think that God doesn’t hear us or that He doesn’t care…then something like this happens. God has been working behind the scenes like crazy in my life, though I couldn’t see it, and the last few weeks He has totally reminded me that He’s completely worthy of my trust. His timing is perfect and, as the Word says, He knows exactly what we need, even before we ask (Matthew 6:8; Luke 12:30).

Even as I write this, I’m thinking about that…He knows what we need, before we even recognize or are aware of our need. Wow! I’m still amazed. God knew what was coming and He made provision for me, just as He promises in His word (Luke 12).

If you’ve never fully given your life to Christ, or if you have, but you’ve been holding back and not fully walking in His will, I’m telling you, He is so good. He is so trustworthy. He is so perfect, all-powerful, and all-knowing. And He wants a relationship with you. He wants you to come to Him; yes, even with the little things! 😉 He wants you to depend on Him. He wants you to walk hand-in-hand with Him.

And tonight He wants you to know that He hears you and He cares for you…He loves you.

Then, turning to his disciples, Jesus said, “That is why I tell you not to worry about everyday life—whether you have enough food to eat or enough clothes to wear. For life is more than food, and your body more than clothing. Look at the ravens. They don’t plant or harvest or store food in barns, for God feeds them. And you are far more valuable to him than any birds! Can all your worries add a single moment to your life? And if worry can’t accomplish a little thing like that, what’s the use of worrying over bigger things?

     “Look at the lilies and how they grow. They don’t work or make their clothing, yet Solomon in all his glory was not dressed as beautifully as they are. And if God cares so wonderfully for flowers that are here today and thrown into the fire tomorrow, he will certainly care for you. Why do you have so little faith?

     “And don’t be concerned about what to eat and what to drink. Don’t worry about such things. These things dominate the thoughts of unbelievers all over the world, but your Father already knows your needs. Seek the Kingdom of God above all else, and he will give you everything you need.

~ Luke 12:22-31, NLT

 

The Counsel of Elders

The other day I was flipping through my Flipboard (lol) when I came across this article about Silicon Valley and its Peter Pan Syndrome. Basically it’s a commentary, by Jeffrey Sonnenfeld, on how most technology firms these days like to keep a staff of young employees and often force out their older employees (or refuse to hire them). Sonnenfeld noted that the median age of Google employees, for instance, is 29. He then went on to describe why this is a mistake and how much we can gain and have gained from people over age 35 in various industries. It was actually a great commentary that I shared on my Twitter feed. (Additionally, just after I began working on this blog, I came across a similar article in the Washington Post discussing ageism in the workplace.)

After reading and contemplating the content of the article, I began thinking about another person who thought that those older than him brought little to the table: King Rehoboam.

Now, king Rehoboam took the throne after his father Solomon, son of David, son of Jesse (don’t ask me why I felt like providing the geneology, lol, maybe I had too much coffee), and Rehoboam had some pretty big shoes to fill. But in 2 Chronicles 10, we read about how after Solomon’s death, the people of Israel come to Rehoboam and request that their load be lightened–labor and tax-wise–and he tells them to let him think about it, and he’d have a response for them in three days. King Rehoboam first asks his father’s advisors as to how he should respond…

 The older counselors replied, “If you are good to these people and do your best to please them and give them a favorable answer, they will always be your loyal subjects.” But Rehoboam rejected the advice of the older men and instead asked the opinion of the young men who had grown up with him and were now his advisers. “What is your advice?” he asked them. “How should I answer these people who want me to lighten the burdens imposed by my father?” The young men replied, “This is what you should tell those complainers who want a lighter burden: ‘My little finger is thicker than my father’s waist! Yes, my father laid heavy burdens on you, but I’m going to make them even heavier! My father beat you with whips, but I will beat you with scorpions!’” ~ 2 Chronicles 10:7-11, NLT

We all know how this story ends. Rehoboam, rejects the advice given by his elders and responds as his peers told him to, and this was the wrong answer! In fact, this is the determining factor of Israel’s split from Judah; creating the northern and southern kingdoms.

When I first read this, I thought, “what a spoiled rotten, thoughtless, stubborn, little teenager!” but then, I went on to read in 2 Chronicles 12 that Rehoboam was actually 41 years old when he took over the kingdom! He was a grown adult behaving as a child!

So, here I am, having just read these two things–the article/commentary and 2 Chronicles 10–and I’m recognizing how we can, at any age, fall into this trap of ignoring and holding in contempt, the wisdom of our elders. I believe that we can become so consumed in the way we do things now and doing things “the right way,” or our way, or improving upon the way things have been done, that we negate the people who have been doing those same things in generations past. By doing so we attempt to deny the skill, wisdom, and knowledge of those who came before us; when the truth is, we couldn’t do or wouldn’t have most of the things we do today, if they weren’t out there “doing” before us. We don’t create from scratch…we simply build upon the foundation that’s been laid before us.

Proverbs 4:6-9, NIV

Rehoboam’s elderly counsel were the same men that counseled his father; and according to the Bible, Solomon was the wisest person to have ever lived. So, why do we, like Rehoboam, think that our way is best, and deny the wisdom and counsel of those who’ve gone before us? Why do we think that those older than us have nothing to bring to the table or have nothing of value to offer us?

Now, this isn’t to say that we don’t have something new or better to offer, but that we respect and accept the fact that our elders laid the foundation for us to have what we have, have provided a path for the future, and are still capable of providing much insight and wisdom; much like we are doing for those who will follow us. Neither does it mean that we neglect to seek the counsel and wisdom of God, for as the Word says, “true wisdom and power are found in God; counsel and understanding are His” (Job 12:13, NLT) and “God looks down from heaven on the entire human race; He looks to see if anyone is truly wise, if anyone seeks God” (Psalm 53:2, NLT).

Therefore, let us not neglect or scorn the wisdom of our elders, but take it into consideration, contemplate upon the words and advice of those who’ve gone before us, and compare it to what the Bible says and let’s not act harshly, rebelliously, or rashly, but be considerate and respectful of the opinions of others.

If you become wise, you will be the one to benefit.
If you scorn wisdom, you will be the one to suffer. ~ Proverbs 9:12, NLT

Fools think their own way is right,
but the wise listen to others. ~ Proverbs 12:15, NLT

Pride leads to conflict;
those who take advice are wise. – Proverbs 13:10, NLT

Wise people think before they act;
fools don’t—and even brag about their foolishness. ~ Proverbs 13:16, NLT

Walk with the wise and become wise;
associate with fools and get in trouble. ~ Proverbs 13:20, NLT

If you listen to constructive criticism,
you will be at home among the wise. ~ Proverbs 15:31, NLT

Spending Less this Summer: 2016

My husband and I are currently working on paying off our combined debt; however, while we are on a budget, we also enjoy our weekend activities. Therefore, we’re always on the lookout for ways to spend time together outside our home, without spending a ton of money.

Since we only got married in May, the past 2 months we’ve just been learning how to live together, so we spend a lot of time grocery shopping together, cooking, or taking care of other household chores. Before we got married we used to eat out a lot, but we have tried to cut back on those expenses, now we try to meal prep and cook more at home. (It’s like playing tetris when we try to put our prepped items in the freezer, lol.)

Speaking of cooking…about a month into our wedding someone at work asked me if I was pregnant, lol. (That’s what happens when you have a husband that enjoys cooking and likes to feed you!) So, that same day I messaged my hubby to let him know I was ready to start working out. He’d been trying (unsuccessfully) to get me to go running with him, previously, so he was happy about my decision to join him. One way we save in this area, is by using the gym in our apartment complex instead of paying for a gym membership. We’re already paying for the amenity with our rent, so we might as well use it. It’s pretty basic–some treadmills, a stationary bike, ellipticals, free-weights, and a few machines. Yet, while it may not have all the fancy equipment found at a bigger gym, Pinterest, as we all know, is full of home workouts that we can ad to our routines. We’ve also walked/run along a 3-mile path that goes around our local city and along the river.

Earlier this summer, we also attended a free, local event along the river called “Rock the River FBXB.” There were local vendors, foods trucks, musicians, a beer garden, boat races, hikes, bike rides, foot races, and plenty of children’s activities. We spent most of our time chatting with friends, but the weather was great, dogs abounded, and the music was loud. We had fun! In our area, there are numerous free or low-cost summer concerts: First Friday concerts in downtown Market Square, Stafford Songfest Sundays at John Lee Pratt Memorial Park, and Celebrate Virginia Afterhours are just a few. We’ve been meaning to check out the concerts at Pratt Memorial Park and take along a picnic basket with us, but we haven’t had the opportunity, yet. Be sure to check your local area for similar events.

Independence Day weekend we went camping with my family in Shenandoah National Park. While we did have to pick up some new camping gear–a tent & sleeping bag, for two–the campsites were decently priced! If you already have the gear, or can find a really good deal on equipment, tenting is always an option for a weekend getaway.IMG_3650

Lastly, one of the activities we’ve been attempting to participate in each month (since January 2016, actually) is what we call our First Friday Karoake Night. Every Friday night, beginning around 9:30-10, our local Applebees hosts a karaoke night. They also have half-priced appitizers afer 9, so that doesn’t hurt, either. 😉 We usually text all our friends to join us on the first Friday of each month, but whether it’s just the two of us, or a crowd, we usually enjoy ourselves. Check to see if any of your local restaurants host karaoke nights, if this is something your interested in.

Well, that’s it for this year’s low-budget summer activity list! Let me know below how you’ve been filling up your summer, or what upcoming plans you already have.

Welcome to 2016!

First, I’d like to start out by saying, HAPPY NEW YEAR! I hope you finished 2015 strong and I pray you have a wonderful 2016. Personally, and I think I’ve mentioned this before, I like to do a quick review of how the previous year went before the new year arrives—and usually around my birthday, as well—and think about what I accomplished, what I’d like to change or improve; and this year was no different.FontCandy (2)

Last month, I began to write down some past accomplishments and some future goals. You know what they say…it’s not a goal unless it’s specific, attainable, measurable, etc. etc. So, I started getting really specific, but as I did this I remembered that Proverbs 16:9 says, “We can make our plans, but the LORD determines our steps.” And I was reminded that it’s great to make plans and create goals, but we must also allow room for the Holy Spirit to work in our lives and allow Him to change our direction whenever He sees fit. So I’ve been praying that I allow God to lead me more this year.

Oddly enough, He saw fit to change some of my plans, when my boyfriend of about a year and a half, asked me to marry him on Christmas day 2015. So, now some of my plans have changed slightly, but I’m still here and I’m still planning to share the Word with you, as well as some wisdom and guidance. Originally, I planned to schedule a post once a week (as part of my 2016 goals), but now since I’m leading a Monday night Bible study on Michael Catt’s Refresh, and planning a small wedding (in 4 months!), I may only be able to share with you bi-weekly. Below are a few goals I’d like to accomplish this year…let me know what some of your goals are for 2016.

  • Teach a Bible study
  • Really pour my heart into children’s worship
  • Read a book each month
  • Watch less television
  • Learn to play guitar (I got one for Christmas!)
  • Learn Spanish
  • Get more involved in outreach ministries (Hey! Maybe even start one!)
  • Exercise (Be healthy!)
  • Become debt-free by the end of the year
  • Post a blog every other week

Bonus ** You know how a lot of people like to use a word to describe the year? My word for this year is passion. I want to be so passionate about the Lord and what He’s done and is doing, that I ignite the people around me. I want to start a wildfire! And I want to act more on the things that I’m passionate about! I don’t want to just talk or write about these things, I want to actually DO SOMETHING. God-willing, I’ll be able to share some of those things with you throughout the year. I love you guys!

God bless and take care.