Our Financial Goals: Paying Off Debt

Our Financial Goals: Paying Off Debt

This week we have much to celebrate!  If you look at the numbers below, you will notice one large number is absent.  Brad and I paid off the second mortgage on our “Rental Property” in Maryland!  Our tax refunds arrived, and we promptly paid off our debt to Citimortgage.  Now we only have one student loan and the primary mortgage on our “Rental Property” remaining.  Currently we owe:

  1. $26,456.26 to Sallie Mae (4.5 Interest Rate)
  2. $107,017.41 to Wells Fargo Home Mortgage (6.25 Interest Rate)

(According to Zestimate, our former home in Maryland is only worth $93,800 right now.  It is one of those homes that lost a third of its purchase price when the housing bubble burst.)

Grand Total: $133,474.27

If you do the math, we’ve paid off $9291.81 in the last 2 months since my last financial update!

Brad and I are following Dave Ramsey’s Debt Snowball, and we are so excited to finally cross another debt off of our list!  In the past two years we have paid off our truck, two student loans, and now our second mortgage!

Our goals for our financial future include:

  1. Paying off Sallie Mae in the next 12 months.
  2. Saving a 3-6 month Emergency Fund.
  3. Financing our Retirement.
  4. Creating College Funds for our kids.
  5. Paying off Wells Fargo.

We can’t wait until the day when we can do our “Debt-Free Scream”!

What are your financial goals, and how are you accomplishing them?

Photo Credit

May 16, 2012: Home Sweet Home

May 16, 2012: Home Sweet Home

When Brad and I chose our home in California, we analyzed every last detail.  We looked at dozens of houses.  In fact, Brad still boasts (and laughs) at the elaborate spreadsheet that I created detailing all the qualities of each rental home we found on Craigslist or the various realty websites.  In the end, Brad stumbled on our house while looking at another one two houses away.  Our house wasn’t listed on-line, but he fell in love with it immediately.  Once he saw the grape arbor and the giant stone woodstove in the tree-filled fenced-in backyard, he was sold.

When I first saw the house, I knew why he loved it.  The backyard felt like a park!  We have the three largest trees on our street in our yard—two cedars in the backyard, and a sycamore in the front yard.  We also have fruit trees (lemon, lime, grapefruit, peach, mandarin orange, Valencia orange, navel oranges, nectarine) , nut trees (almond), holly bushes, azaleas, lots of rose bushes, a bottle brush tree, and of course, grapes!  Inside we explored the three bedrooms with wood floors.  I loved the big kitchen, the built-in closets and shelving, and the one-story layout.  The house was not in great condition, but it had a lot of potential.  The landlord consented to some discounts if we were willing to paint and fix up the place ourselves.  I was thrilled.  I think every renter loves the opportunity to put their personal touch on a place, and I was delighted to get to paint.  With each month there is a new project to work on, but we enjoy the work and take pride in making our house a home.

Our house is in a neighborhood full of starter-homes.  It’s the perfect location for our young family.  We love living in town, near all the activities provided by a city with a population of 60,000.  We attend a small Baptist church across town.  The pastor is also a writer, and the associate pastor and his family live on our street.  In fact, four young families from our church live within a few blocks of us.  Having neighbors from church is great, since one of them has recently been giving me rides to Bible Study Fellowship on Thursday mornings.  As BSF comes to an end next week, Brad and I have begun attending a Couples Bible Study/Potluck where we are reading the book, Sacred Marriage.

We live two blocks from the high school, so we walk over often for track meets, softball games, baseball games, football games, and basketball games.  Brad tutors students after school in math, and he’s an assistant coach for the track team.  When the track team is practicing you’ll usually find him running with the distance runners, or coaching the high jumpers.  Since we live in town, it’s easy to make it to a student art show, or a track meet at the local community college.  We’re also working on our substitute-teaching certification, and look forward to being able to walk to the school for subbing jobs.

Our house is also only about a mile from Brad’s office.  This makes it very convenient when he has clubs or meetings to host.  In fact, since Brad is also a runner, he often runs to his office, the post office, or to other errands.  He also likes to run along the river, by way of the fairgrounds.  I can also walk to nearby parks, pools, and even our pediatrician from our house.  The library, the grocery store, the mall, and most of our other needs are only a short ride away.  There’s even a coffee shop at the end of our street where Brad meets up with the other youth pastors in town every Tuesday.

We love to have guests over to our house.  We’re still fairly new to hosting, but we’re figuring it out as we go.  I’ve hosted a few play dates with other mothers and their children, and Brad has hosted twice as many youth events in our backyard.  It’s so fun to see the teenagers playing games, singing songs, and roasting marshmallows or hot dogs (or bananas!) on the fire.  Recently Brad invited the entire track team and their coaches over for a “Spaghetti Feed” on a Thursday night.  Brad cooked a giant pot (his first ever!) of delicious spaghetti sauce, and Lucy and I kept the noodles coming.  I love the feeling of a full house, even if I’m unfamiliar with the role of hostess to so many people.

As I wander through our home, and explore our new hometown, I cannot imagine a better place for us.  We love this house, we love this community, and we love our new lives here.  Thank you for the role you have played in bringing us here.  We couldn’t have done it without you!

Love Always,
Jessie

Freebie Friday! Smart Money, Versace, & International Delight

Freebie Friday! Smart Money, Versace, & International Delight

This turned out to be a great week for freebies!  I needed three photos to cover everything.  Check it out!

  • ESPN Magazine
  • Smart Money Magazine
  • Martha Stewart Living Magazine
  • Garnier Bb Cream
  • Garnier UltraLift Wrinkle Reducer
  • 2 Sani-Hands Samplers & a Coupon

  • Tampax/Always Sampler Satchel with Coupons
  • 2 Always Pads
  • 2 Tampax Tampon
  • 3 Poise Pads with Coupon

  • Coupon for One Free International Delight Coffee Creamer
  • Quaker Oatmeal Squares
  • Garnier Fructis Shampoo & Conditioner
  • Colgate Toothpaste
  • Colgate Toothbrush
  • Colgate Dental Floss
  • Versace Yellow Diamond

What freebies did you find this week, in your mailbox or elsewhere? 

Happy Mother’s Day! DIY Handprint Flowers

Happy Mother’s Day! DIY Handprint Flowers

For Mother’s Day this year, I decided to try some of the adorable crafts that I’ve been seeing on Pinterest.  I put both kids in aprons, covered the table in newspaper, and painted their hands with acrylic paint.  I made three prints of each child’s hand, and some were definitely better looking than others!  I used white acrylic paint to touch up the messier spots once the paint was dry.

Why three handprints you ask?  Well, there are two grandma’s, and of course I needed to make one to keep for myself!

Oliver’s handprint papers (cardstock, actually) were smaller and messier than Naomi’s, so I decided to make his into bookmarks.  I cut out the handprint, cut out a stem, glued them together, and then wrote a quotation on the stem.  I also wrote his name, age, and the date on the back.  Finally, I had all three bookmarks laminated at Staples for less than $2.50.

Naomi’s handprints were both larger and neater than Oliver’s, so I decided to make hers into a frameable artwork.  I used acrylic paints to add a stem and leaves, and then added a quotation, her name, and the date around the flower.

In case you’re wondering, I always sketch a basic plan in pencil before I paint, and I use a pencil and ruler before I write any text.  Then I tidy up with an eraser when I’m finished.

We mailed our handprint flowers and our (FREE from Cardstore and Treat!) photo greeting cards to both grandma’s on Tuesday.  I know the grandma’s will be delighted to open their special gift.

What special plans do you have for Mother’s Day, for yourself or someone you love?

Freebie Friday: Target, Miracle Whip, & Garnier

Freebie Friday: Target, Miracle Whip, & Garnier

It’s that time again!  After taking some time off from freebie-finding, I’m back to my old tricks again.  This week we received lots of fun stuff in the mail!

  • Target Sampler Bag with Coupons
  • Neutrogena Daily Facial Cleanser
  • Pantene Shampoo
  • Nivea Extended Moisture Lotion
  • Simple Cleansing Facial Wipes
  • Magic Lumi Primer
  • Emergen-C Kidz Dietary Supplements (3)
  • Gevalia Kaffe House Blend
  • Miracle Whip (2)
  • Bb Straight (3) and Gift Card for a Salon Visit
  • Garnier 2-in-1 Wrinkle Reducer

What fun freebies have you received recently?

Cardstore.com: FREE Greeting Card

Cardstore.com: FREE Greeting Card


FREE Mother's Day Card at Cardstore.com!

 

Spring is the season for FREE greeting cards!  Yesterday I posted a great FREE greeting card from Treat.com, and today you can get a FREE greeting card from Cardstore.com.

“Show Mom you how much she means to you with a Perfectly Personalizable Mom’s Day Cards at Cardstore.com! Click to Create!.  Use Code: LUVMOM at Checkout.  Hurry, offer ends 5/6/12!”


FREE Mother's Day Card at Cardstore.com!

Treat: FREE Greeting Card

Treat: FREE Greeting Card

Treat Mother's Day Greeting Cards

 

Have you heard about the new personalized greeting card company, Treat? Treat is a new brand from the folks at Shutterfly and Tiny Prints that lets you create unique, personalized greeting cards. With more than 4,500 customized card designs at launch, the Treat service offers one of the industry’s largest selections from the best designers, including Hallmark. To ensure that you never miss an important date like a birthday or anniversary, Treat also offers an integrated service that will remind you of all those important events. A Treat calendar can be set up with reminders for anniversaries, events, family holidays and more. Plus, users can use Facebook Connect to link their Facebook and Treat accounts to import friends’ birthdays.

Treat is an easy and revolutionary new way to make personalized greetings in your own style and personality just in time for Mother’s Day! Here is how it works:

  • Choose your card from their thousands of designs, including the Mother’s Day Collection. Personalize it with photos, nicknames, inside jokes, whatever you want to add. This is your chance to make it YOUR card. Be creative. Be funny. Be sappy. Make them laugh, cry, or just smile. You can also add an embedded gift card from stores such as Amazon, Target, Pottery Barn and more.
  • When you checkout, get unlimited cards for $0.99 each through Mother’s Day. Use the code AFFTREAT to get this special deal. Or, you can also choose to get just one card for free. Use code FREETREAT for that. (Note: These offers are good for first time Treat customers only, so you have to pick one or the other. The good news is that this includes previous Tiny Prints customers). If you are ordering more than one card, the $.99 cent offer will save you the most as each card is normally $2.99.

Treat will truly brighten your day…and the day of the recipients of your new cards! So check them out now and take advantage of their two awesome promotions. They have cards for all kinds of occasions including Birthdays, Friendship Cards, Thank You Cards, Thinking of You and more.

 

Treat Mother's Day Greeting Cards

Free Fun: Turtle Sandbox/Pool and Water Table

Free Fun: Turtle Sandbox/Pool and Water Table

A few days ago, Brad and I noticed that our neighbors had placed a number of outdoor toys along their front sidewalk, with a large sign that said, “FREE.”  A few hours later we walked over and picked up some of the toys and brought them over to our house.  Among the toys we got for free were a turtle sandbox/pool and a water table.  The kids had a great time yesterday playing in the water with their buckets and shovels.  Yeah for free fun!

What free fun have you found for your kids recently?

Freebie Friday: Coffeemate, Coca-Cola, & Kohl’s

Freebie Friday: Coffeemate, Coca-Cola, & Kohl’s

Our local Target just completed renovations on a new grocery section, so on top of our usual freebies, we’ve received a number of coupons for free Target groceries.

  • Target $11 Grocery Coupon Pack
  • Free Target Coca-Cola 2-Liter Product
  • Free Target 24 oz. Bread
  • Free Target 1 Dozen Large Eggs
  • Free Coffee-mate Creamer
  • Free Gud Sample
  • Free $10 at Kohl’s
  • Free Zone Perfect Bar

What freebies have you received recently?

Toddler Tuesday: Honoring Daddy

Toddler Tuesday: Honoring Daddy

It’s never too early to begin teaching your children to honor their father and mother.  As their Mommy, I am trying to teach my children to honor their Daddy in lots of little ways.  Here are five ideas for honoring Daddy:

1.  Do something special “for Daddy” when he is out.  Draw him a picture, build him a castle, rake the leaves, or help your child to write him a love note.

2.  Boast about Daddy when he is out.  Tell them how hard Daddy works, who he is meeting, or how he is helping to provide and care for your family.  You can also boast about Daddy to your other Mommy friends!

3.  Boast to Daddy when he returns.  Encourage your children to tell Daddy what they did during the day, where they went, and who they met.  They can show him a project completed, or feed him a special treat that you made together.

4.  Allow Daddy to do some special things with the kids.  It’s easy to keep all the fun jobs for ourselves and leave all dirty, boring, or disciplinary jobs to Daddy.  My kids like riding in the stroller while Daddy jogs, watching sporting events with Daddy, and especially night-time prayers with Daddy.  Sometimes Daddy even takes them on a “date” for a special treat or excursion.

5.  Finally, honor Daddy yourself.  What your kids need more than anything are a Mommy and Daddy who love, honor, and respect one another.  They will notice if you criticize him, complain about him, and gossip about him when he is absent.  They will also notice if you thank him, speak well of him, and look forward to seeing him.

How are you teaching your children to honor their Daddy?