9.11.2017

An Open Letter To The Parents in Houston and Florida

To all Parents in Houston and Florida


First just let me say your doing a great job. I can't even imagine being in your shoes. Having children watching your whole world be turned upside down and losing so much and having to stay brave for your kids. The unknown is scary but you can't be scared at least not on the outside.

I guess that is something we get when we become parents the ability to keep it together in front of them. To make them feel safe and secure even when we don't feel that way. To keep putting one foot in front of the other even when we feel like our shoes our made of lead and we are climbing the biggest mountain.

Also how brave are you? Having to make such difficult decisions at a moments notice. I mean the weight of that on someone is crazy but let me tell you this whatever you decided it was right. If you stayed, if you evacuated it was the right choice for you. Because you know your family best and you know to follow your gut no matter what.


I live in upstate NY and so my biggest weather problem is normally snow and we can shovel that. I have no idea what it must feel like to have to walk away from a home not sure what state you will find it in again. A few months back we lost power and it was still pretty cold out here (March is a touch and go month I mean it could still snow!) I had a 3 year old and 11 month old twins at the time and having to decide if we stick it out and bundle up or if go somewhere else. A family member who had a generator thankfully took our twins and we slept in our bed with our 3 year old using body heat and a million blankets and layers to stay warm in our house that got down to 48 degrees overnight. When we woke up the next morning we did not know when our power would be back and the estimates were saying not until the following day. I know the pressure I felt of making the best decision for our kids and us in that situation. And compared to what you have that is nothing.

What you are facing is so much bigger. Your house is damaged and you have everyone's safety in your hands. Power could be lost for weeks and your house well who knows yet or if your in Texas it is unlivable at this point. Memories are lost, everything you have worked for is gone and yet you have to keep going. You can't fall apart at least not in front of them.

So I guess I'm just here to say. Your doing a great job. I'm praying for you. Follow your gut and do what you feel best. It's easy for us who are hundreds of miles away to say I would just walk away I would evacuate but really we don't know. It's easy to pass judgement from where we sit. But there is no judgement from me.

You go parents and keep doing what YOU feel is best for you family and just know you have our prayers.


9.05.2017

August Debt Check in and September Goals

I'm going to do at least one post every month about last months progress and the next set of monthly goals. 


So August
Here were our goals


Complete Baby Step #1- Save $1,000.00

Hit Baby Step#2-Debt Snowball
Cut out a ton of extra fat from our budget (I'm looking at you storage unit full of junk and XM radio)
Get Term Life Insurance
Enjoy our last vacations until we are debt free (these were pre-planned and already paid for with CASH!)
Get Grayson ready for school
Organize our house


So the ones in Green are complete and blue are a work in progess

Lets break it down

We hustled and got that $1,000.00 emergency fun fast we pulled it out of the bank and have it on hand for real emergencies although I'm hoping we never have to touch it

Baby Step #2 is a work in progress and will be for a while but we successfully paid off $4,572.93!!! YUP!!! We are so excited for that number. Now this is an exceptional month because we sold some things and really moved our savings down to just our $1,000.00 emergency fund our goal for the months moving forward are between $2,000 and $3,000 a month

Cut out a ton of extra fat from our budget we did just that. We removed the line item in our budget for eating out we just stopped that all together and we also cleaned out our storage unit and cancelled my xm radio. Those alone have given us an extra $210 in our budget a month which we are loving

Get Term Life we have done everything on our end now we are in the approval step where we have done our medical exam and submitted our applications so now we just wait

We enjoyed our last vacations but I'm already cooking up a way that we can do our camping trip next year because the kids just love it so much and so I have a couple things I'm planning on selling to fully cash fund that next summer

Grayson is ready for school and has his first day (with parent drop off no bus yet!) tomorrow so thankful his supply list was only glue sticks and tissues

Organize our house well that is a work in progress because it seems like we have so much to do but we got the basement cleaned out yesterday and go that ready use as more storage


Onto September Goals


Close Pool and get ready for winter
Complete out Will
Start Financial Peace University
Work on Baby Step#2
Halloween Costumes for kiddos
Keep working on organizing house