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WIN a copy of Dave Ramsey’s ‘Financial Peace Revisited’ Book!!

If you’ve been around my blog for a while, then you know I’m CRAZY about Dave Ramsey and Financial Peace University! I’ve been following his principles for over a decade now, and we have managed to pay off all of our debt (over $100k worth!!), travel the world, pay cash for a house, and leave full time employment to go to seminary and follow God’s call for our lives! I cannot express enough how FREEING it is to have complete freedom over our lives, to go and do whatever Jesus needs! Because we are debt free and so frugal with our finances, our monthly expenses Read More

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How To Use the Envelope System (& WIN an Envelope System Wallet)

I’m a HUGE fan of the Envelope System. You may have heard of it – Dave Ramsey has been touting its benefits for years, and frugal housewives have been using it for decades. It can seem overwhelming at first, but here’s a quick tutorial on how to get started using it to save your family BIG money. First, let’s talk about WHY. To put things simply, people spend more when they swipe a card over using cash. It’s all about the way your brain registers the money as a tangible resource leaving your possession. When you swipe a card, it’s an abstract thing – you Read More

Homeschooling Elementary Home Economics ~ Our Cozy Den

Homeschooling Elementary Home Economics

This post is a long one, but it’s PACKED with goodies! Scroll down for both a FREE printable {Marketing Scavenger Hunt} as well as a GIVEAWAY!!!  I’ve shared in the past a little about how we homeschool. One of the things we do in our homeschool is that we have 1 elective each year that rotates. The reason I do this all goes back to my first year of homeschooling… Connor was 5, and we were doing Kindergarten. I also had a 3 year old, a 1 year old, and I was pregnant with Finn. In addition, it was the year we moved from Tennessee Read More

stepheniemeyerquote

How To Use The Envelope System (& WIN an Envelope System Wallet!!!)

I’m a HUGE fan of the Envelope System. You may have heard of it – Dave Ramsey has been touting its benefits for years, and frugal housewives have been using it for decades. It can seem overwhelming at first, but here’s a quick tutorial on how to get started using it to save your family BIG money. First, let’s talk about WHY. To put things simply, people spend more when they swipe a card over using cash. It’s all about the way your brain registers the money as a tangible resource leaving your possession. When you swipe a card, it’s an abstract thing – you Read More

stepheniemeyerquote

Living Like No One Else

Life is changing. We are moving into Lockdown Mode with our budget, facing the very real possibility that we could be unemployed in 9-18 months. I just made up the budget for 2013, and I’m very excited about it. I have to be excited, because looking at the goal is going to be the only way to do it. This is going to be hard. I showed Byron my budget, and he wasn’t so excited. I told him that our savings rate is extremely high, and he didn’t quite grasp how high until I showed him this chart: See the US rate there at the end? It’s 2.1%. In 2013, Read More