Only for a Season

These past few months have been a whirlwind of activity. We began searching for our first home in February, and after a couple weeks, we found one we could see ourselves growing into. Fast forward to April, and we’re unpacking boxes, cleaning, organizing, and moving furniture around the new house. The hubbs ( W ) has been putting up shelving in our pantry, and making sure the rest of the closet shelving is sturdy, since we noticed a lot of missing screws. He also spent an evening cleaning the carpets, because, although they are new, they got a lot of foot traffic when the previous owner had people paint, put down flooring, etc., and were very dusty.

W was finally able to take his belongings out of his storage unit and we’ll soon be using his king sized bed, as opposed to my queen sized (as soon as the bed pieces lost in a move, arrive in the mail). I can’t wait, because our baby girl has taken a liking to our bed, and it seems to be getting smaller and smaller, as she gets bigger and bigger.

Cookie girl just turned 9 months, and this move has been a little disruptive to her schedule. It took her about a week to get back to napping in her crib, in the new house. Which has been challenging for me, since it’s difficult to unpack boxes and clean, with her crawling around and getting into everything.

Moving without family around to help is very difficult, because you’re forced to ask friends–who have their own families and responsibilities–for help; but you don’t want to beg people, either. However, we’re extremely thankful to the few people who have been consistent blessings to our lives during big life events and transitions. Thus far, they have helped decorate and clean up before and after our wedding, and later, our baby shower; helped us move, twice; and even let us borrow a vehicle for a month or two, while we saved up to purchase one with cash. These aren’t just friends, they have shown themselves to be family.

Now, we’ve entered May and W is traveling for work, the house still isn’t anywhere near put-together, and I don’t think baby girl is feeling very well today. I’ve been feeling pretty isolated these last few weeks, and am in desperate need of a new routine to help me get the house together, get baby girl sleeping in her crib, and to simply get us out of the house (because we’ve been cooped up too long!).

Sometimes, life is tough, but God is so good. He’s blessed us with so much, and I know that it’s days (or weeks) like today that I have to focus on His goodness, rather than my feelings of isolation, loneliness, unproductiveness, or unfruitfulness. This season of life will pass. We will, eventually, get the house in order. Cookie girl will, eventually, sleep in her crib. We will get our routine back and have weekly library trips, grocery days, and outings. I will make time to write and share more often with my readers.

For now, I must remember that this is only a season of life, and things will change. What season of life are you currently living? And how are you handling it? Personally, I think I should be praying a little more…but, couldn’t we all?

Do not be anxious or worried about anything, but in everything [every circumstance and situation] by prayer and petition with thanksgiving, continue to make your [specific] requests known to God. And the peace of God [that peace which reassures the heart, that peace] which transcends all understanding, [that peace which] stands guard over your hearts and your minds in Christ Jesus [is yours]. ~ Philippians 4:6-7, AMP

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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!