Friday, February 29, 2008

Something to think about

I kept hearing this guys name on money forums over and over. People were praising him and his ideas and encouraging people to read his book
He talks about living debt free and facing the fact that you're being irresponsible and there is no quick fix to any debt situation you have gotten yourself into. He basically says face it you got yourself in, now get yourself out. He also stresses that it won't be easy and will take a lot of sacrifice and hard work but that the end result is worth more than anything. Needless to say I am going to invest in this book. I know he has others that I may check out as well. I like the fact that he wants you to change the entire way you think about and use money. He's right when he says years ago if you didn't have the cash you didn't buy it. As we all know, in todays society, if we don't have the cash we just buy it on credit-usually regretting it later and on top of that we end up paying two or three times the original price.

I've always been a Clark Howard fan and have gotten such wonderful ideas from him and find him practical and not into the drama filled circus that Suze Oramn sometimes creates. But Dave Ramsey seems to be much more radical, much more upfront and brutaly honest and I have to admit his take it or leave it attitude is appealing.

We have debt. I admit it is our fault. Sure I could tell you about some of the circumstances where we had noone to help us and needed cash and just didn't have it. Some of those circumstances were out of our control yes. But, in the end, the choices we made and how we reacted to those circumstances is what created the huge pile of unending debt we have today.

For example, my husband got a promotion and was transferred to another state and we were told Thursday he got the job and he was expected to report to work in another state the next Thursday(1 week!!!). We owned a house in NY and new the first thing we needed to do was find a place for my husband to sleep at once he started his job. So we drove to NC found a place and drove back.Then my husband drove back down and started work, I put the house for sale, the movers packed our stuff, and I met him down there within a week. After 10 days of being there he was told his job was dissapearing and he would have to apply for another position and be transferred again IF he got the job.Me being 26 weeks pregnant complicated matters to say the least.And so the financial nightmare began.We had signed an 8 month lease, were still paying our mortgage and he had a possibility of losing his job. We were wayyyyy overstretched taking care of two households.He got the other job and months later(4 days after giving birth) we were transferred and had to continue to pay our current rent along with the $900 rent for the old place where we had signed a lease.Thankfully we sold our house 1 month before we moved or I'm not sure what would of happened.There are things we could of done different like getting him a studio apt. and me staying in NY until we sold the house etc... But it is a lesson learned!!!!!!! And we will never make mistakes like this again ever!!!

I know this is a very long winded post but I encourage everyone to read Dave Ramsey's book and believe in being debt free!

Wednesday, February 27, 2008


Once you stop laughing please comment!

Food games

So why did Grififn recently come to the conclusion that food is a fun thing to play with? I have no idea whatsoever!!! Apparently rubbing your hands in food and watching it drop to the ground is great entertainment. Watching mommy or daddy pick it up seems to be even more exciting. Sooooooooo I'm trying reverse psychology like ignoring it and waiting until he's away fromt he table to actually bend down and pick it up. Knowing my luck, I should be doing something else as a detterant but hey there are no ideas in the parenting book that Griffin had in his hands when he came out of my womb so I'm going with an idea ha ha I was ok with him squeezing food between his fingers or making a mess trying to eat but now the food is ending up away from his mouth in places food isn't meant to be ha ha So I shall keep everyone posted and hopefull if I am doing something wrong someone tells me PLEASE!

Tuesday, February 26, 2008


It's a funny thing I've come across lately reading a few peoples blogs.I won't mention specific people but I admit reading comments from trolls took me back a little. People saying your kid should be taken from you, no wonder your kid is so clingy, you don't care about your kids, you should be put in jail. I remember the old "sticks and stones will break my bones but words will never hurt me" nursery rhyme and it's a lie!!! If someone says something criticizing you about something you love-especially something you love with all your heart-like your kids-the words can sting a bit. Even if the person is an immature jerk with too much time on their hands....

I always say the best approach is not to give them the attention or reaction they seem to need so much but rather turn it around and make them look like the fool they are. Easier said than done I'm sure. I mean if you have nothing nice to say why say anything but we all know some social rules don't apply to some people.My blog doesn't even rate trolls yet ha ha thank goodness I'm boring....

Monday, February 25, 2008

Monday Monday

Not much going on today except for the usual cleaning and stuff around the house-so basically a totally boring Monday. Nothing out of the norm here for a Monday :) We actually went to a baby shower yesterday for a girl Joe works with at a restaurant lastnight. It was just for coworkers and wasn't a huge party or anything but it was nice just the same and we are so happy for her. I guess she had some difficulty conceiving which makes it that much sweeter. Griffin demonstrated his eating skills and entertained everyone-rubbing sweet potatoes in his hair,laughing, throwing food oh boy! Needless to say he needs a bath today since we got home so late!
He's been walking more and more but I think the couple of bad falls he's had has made him more concious to hold onto things and he is just more cautious now.But when he lets go he does great! All things in good time I guess :) Not so much to say today ...... tomorrow is another day!

Mr. Potato Head

WHY USE A SPOON? IT"S SO MUCH FUNNER USING MY HANDS!!!!!!!!!!!!!!!!!!!!!!!!!!!