2019 – New Year Update

Happy New Year all! I know I’m late, but the last few months have been a little challenging. We found out December 26th, 2018 that we’re expecting, again; and once the morning sickness and exhaustion kicked in (around week 6), I really wasn’t in the mood to do anything. The hubby is currently traveling for work, and I have my 12-week appointment on Wednesday. Hopefully, our little Cookie Girl will be on her best behavior during the appointment, and God-willing, we’ll hear this sweet little jellybean’s heartbeat for the first time. I’m so excited!

In other news, the hubbs and I have been leading Dave Ramsey’s Financial Peace University at church, for the first time, this quarter. In all honesty, because I hadn’t been feeling well all this time, he’s done most of the leading, but the next 2 weeks lie solely on me, and I’m nervous. I know I shouldn’t be, because the course outline is so easy to follow; but I think it has more to do with being pregnant and alone, with a toddler, more than anything…you know, “mom brain.” ( I.e. When you can’t think of anything but the kiddos.) As far as Dave’s baby steps go, we’re still on #3 (saving our 3-6 emergency fund) which we’re sure to have complete before this baby arrives in August.

Lastly, I’m finally starting to feel a little better. I had (iced) coffee this morning for the first time in months, it was delicious, and didn’t make me sick, so things appear to be looking up (lol). And I’m looking forward to the weather changing in a few weeks so I can take Cookie Girl to the park, walk around the community center track, and plan for things to come–like a weekend trip to Vegas in March–and plenty of local outings (since we’re trying to save).

So, what’s new with y’all? How have y’all been “winning” with your finances? Are there any life or career changes on the horizon?

Love,

Angelica

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2016 – A Midyear Review

It’s hard to believe that we’re already halfway through the year, but here we are in the middle of June! I know it’s been a while since I last wrote a post, however, if you’ve been following my blog, you already know that last month…I got married!

I do apologize for my absence, but I’ve been keeping pretty busy with wedding plans, and then trying to become accustomed to living with someone, which is a challenge in itself. I will say there will be plenty of new posts about marriage coming soon, but I won’t neglect my single readers, either. 😉

So much has happened within the first half of this year, in addition to our wedding. Four of my friends have had babies, my sister gave birth to my niece, and I recently found out that another friend has a baby on the way, as well. Needless to say, I haven’t had a lot of time to get to all those 2016 goals I raved about in my January post, although, I have started walking/running with the new hubby this week (i.e. exercise!) and I’ve started becoming slightly more involved in the worship ministry.

One of the things I’ve been struggling with this last month–one among many–is making sure I have time to read and think without interruption. I mean, how can I share things that I’ve been learning or that God has been revealing to me if I don’t have the quiet time that I need to reflect on such things? Lately, I’ve just barely had time to think and jot down a note here or there. Balancing home, work, church, and trying to take care of all those newly married details–such as changing your last name–have my head spinning. Nevertheless, you will not become my last priority, and I will learn to balance my time a little better.

So, married ladies, my question today is for those of you with full time jobs. How do you balance work, home and church (particularly if you’re an introvert, like me)?

Talk to you soon!

So You’re Thinking of Moving Out? (Or Perhaps You Should Be)

You’re 18 (or older) and you’re thinking about moving out of your parents’ house. I’d like to suggest you stop and ask yourself a few questions before you do.

  • Are you going to college?
  • Do you have a job?
  • Do you have a car?

If you’re still in college, whether you’re working your way through or your tuition’s being paid by your parents, a scholarship or grant, I’d suggest you live at home until you complete. (Notice I didn’t say student loans? That’s because you should just say no to student loans!) Trying to cash flow your tuition while living on your own only works if you have a really high income, which most young college students usually don’t have. I cash flowed my undergraduate degree while living at home, but made the mistake of moving out while I worked on my graduate degree—these are the infamous student loans I’ve been trying to pay. Another option is splitting the costs of an apartment or house with multiple friends.

Now, let’s say you’ve finished college and/or you’ve gotten a job. First, you must recognize how much money you have coming in. Do you make enough to move out on your own? The answer, at first, may be “no.” I’ll tell you why. You need enough money on hand to pay a security deposit and first month’s rent. This means you’ll have to save a little money before signing that lease; I suggest you save 3-6 months of living expenses before moving out, just in case something unplanned occurs. You wouldn’t want to move into your own place, only to have to move back home when your car breaks down, or you lose a job! Be prepared.

Here are a few other costs you’ll need to think about:

  • Do you have a reliable car? Insurance? Maintenance costs.
  • Are you a single parent? Childcare costs. Will you have reliable/neighborly help or family nearby?
  • Do you own a pet? Monthly pet fees/costs.
  • Don’t forget those daily living expenses! Food, clothing, gas, renters insurance, electricity, internet/cable, water, & cell phone bill, etc.

Now, perhaps you’re an adult and you simply don’t want to move out? What’s your reasoning behind staying home? Economic? Your parents insist you stay home? Let me tell you something. My parents never wanted me to move out; they expected that I would stay home until I got married. But I’m 31 and I’m still not married! Thankfully, I recognized that I needed to move out and learn how to take care of myself, because who knew what God had in store for my future. What if I never got married? I didn’t want to be living at home forever!IMG_3270

Honestly, unless you’re a college student, like I mentioned above, I suggest you move out on your own. Something happens when you move out on your own and you’re responsible for your own well-being. You grow and develop in ways that you can’t do at home under your parents’ wings. You’re forced to become more responsible with your money, forced to make decisions that affect your life and future, and you meet people you might never have met, while at the grocery store, gym, job, church or while hanging out with your friends or volunteering.

If you can’t afford to move into your own place, again, as I mentioned before, get a roommate (or two), take on another job, or better yet, think more intently about what you really want to be doing with your life, and change career paths! Create goals and take steps to reach them.

Finally, living at home can stunt your growth and prevent you from reaching your full potential because you’re comfortable and have a security blanket (i.e. your parents). However, once you’re on your own, you are responsible for you, and you’re forced to push yourself outside your comfort zone! Therefore, stretch those wings of yours and take the leap (obviously, within the bounds of reason)! 😉

Love you all and God bless!