HOW TO TEMPER YOUR TURKEY TIME… Tips to Reduce Holiday Indulgence :-)

Ok. We are just a couple days away from the incredible holiday season!!!!! Awesome days filled with joy, peace, laughter, rest, and fun. Great memories are made with all our FAVORITE things to enjoy; football, family, friends; time off work, and the best of all… SHOPPING AND EATING of course!!!! I tell you, I am an AVID Black Friday shopper!!! I will be out there with the BEST of them searching for a super steal (yeah right… do they really exist???? But I WILL be out there nonetheless!!!) and of course will enjoy a wonderful FEAST on Thanksgiving and Christmas day!!! However, I have learned over the years the good old adage “a moment on the lips, equals a lifetime on the hips” to be SOOOO appropriate during this season. We can actually apply it to not only food, but spending as well. Here are a couple ideas to consider when making choices about eating and shopping during the holidays.

For the sake of establishing my point, let’s look up the definition of 2 words. 1st indulge. Indulge simply means “to take unrestrained pleasure in.” 2nd temper. Temper means to “restrain. To serve as a neutralizing or counterbalancing force to something.” Ok. So, the teacher in me is coming out. Lol.

Here’s the deal. Holidays are a time for great indulgence. We will all be tempted and most likely give in to eating without restraint and sometimes spending without restraint. We will be welcomed REGULARLY with treats, candy, cupcakes, muffins, lattes and other goodies each day. I mean, sugar is lurking on EVERY corner! At work, church, friends’ houses, school celebrations, holiday parties, etc… The Thanksgiving Day dinner alone will be loaded with DELICIOUS appetizers, meats, sides, desserts and drinks!!! HALLELUJAH!!! And we will commence to filling our bellies until we look like the stuffed turkey lying on the platter!!! We are quick to tell ourselves… “Oh, it’s the holidays… go ahead and indulge!!” FOR SURE!!! I get it!!! IT IS THE HOLIDAYS!!!!!

We do the same thing with spending. We have Secret Santa gifts to buy, Amazon is having super sales, phones have no more memory, everyone in the family needs a SUPER-DUPER gift, and shoot, while you were out looking for your mom’s present, they had a buy one get one 20% off sale, so you had to get one for yourself as well!!!! I KNOOOOWWWWW!!!! AND… It’s the break and the kids need something to do, so why not Disney, or at least the movies, dinner, a theatre production, and ALLLLLLLLL those great goodies. Everyone is coming over to your house, so you must UPGRADE your otherwise ANCIENT Christmas décor… I KNOOOOOOOWWW!!!

This has all become the beauty of the celebration. At this point, it wouldn’t be the same without it. However, we have to get real with ourselves. We run wild during this time only to spend the next few months cleaning up the mess we made, or even worse, ignoring it. Our credit cards are smashed full and our waist takes an unrepairable hit! I can admit, I have come back from many a holiday break weighing more than 5-8lbs more than when I started!!! We drudge through to New Year’s with yet another promise to get it all back in order… uuuggghhh.

Perhaps there is a better way. Simple temperance during this time can save us a ton of headache in the months to come. How can we do this? Here are some simple ideas to help temper your spending and eating during the holidays.

Temper your eating:

  1. Treat yourself, but limit yourself to one plate only. (No 2nd’s/No doggy bags!!!)
  2. Load your plate with double the amount of veggies, salad, soups over everything else.
  3. Commit to an extra workout regime during the month of December.
  4. Don’t arrive starved. Have a healthy snack or drink 2 big glasses of water before going to any holiday party (it’s tough to overeat when you are already full!!!)
  5. Bring your own favorite healthy option to the party… EAT THAT!!! 😊

Temper your spending:

  1. Make a holiday budget based on cash vs. credit.
  2. Get creative with your gifts, décor, and recreation (cook/bake/DIY-type gifts/board games/light viewing etc.)
  3. Don’t be afraid to say NO to commitments beyond your budget.
  4. Condense gift buying (Everyone pull a name. This is the person you will buy for this year.)
  5. BUY USED (You can always give gently used video games, books, toys etc. instead of the brand-new version)

I KNOW. I KNOW. This all seems to take the fun out of the experience, BUT ultimately, you have to get your mind, will and emotions in check. Let them know who’s in charge!!! If you make it a practice to operate in discipline during the most DIFFICULT of situations, there is no temptation you can’t completely obliterate!!! You can DO THIS!!! Trust me, your waistline and bank account will be much better off because you used wisdom and restraint. In the meantime, remember what this season is all about. Though you have a heart to give the most and best, though you want to enjoy great memories and times with loved ones, it will be much more enjoyable today and tomorrow when it is done with love and self-control.  HAPPY HOLIDAYS TO YOU AND YOUR CREW!!! 🙂

 

Photo cred: Pinterest

18 WAYS WE MADE IT 18 YEARS… AN ANNIVERSARY REFLECTION.

Today I celebrate my 18th wedding anniversary!!!! WOWZERS!!!! It’s hard to believe it has been that long, but what an INCREDIBLE adventure indeed. Especially jumping into marriage at 22, my husband and I grew up together. We have raised 2 children, traveled the world, bought and sold property, developed businesses, paid off debt, overcome challenges and setbacks, and learned SOOOOO much along the way. The best part about it, is that we did it all TOGETHER!!!!! And more importantly, with God at the forefront the entire time. We are by no means perfect, sooooo far from it. We have DEFINITLY had our challenges, but we are committed to growing and getting better and better as we go. Over the years many people ask, how do we stay together? How do we keep the love alive? Well, I truly believe that the secret sauce to a successful marriage is doing it according to the bible. Marriage is created by God. It is a sacred covenant between you and Him and when done in line with His Word, it can be the greatest journey of our lives. In honor of 18 years, I reflected on 18 specific things that I believe has kept our marriage blissful.

  1. Seek Godly/professional counsel during the tough times. Sometimes you just need a 3rd party who can shed light/Godly wisdom on an issue that neither of you can seem to agree on. We have sought counsel on several occasions during our marriage and it helped us regain our focus.
  2. Travel/ride through beautiful neighborhoods/test drive nice cars/connect with people you admire/try new foods… DREAM BIG!!!! It sets the tone for “the possible.” We are not called to settle and be stagnant. Step outside your comfort zone and dream/vision cast together. We do this ALLLLL the time. It is so much fun to explore the AMAZING possibilities that await.
  3. Do as many things as you can TOGETHER. Pretty much, if you see me, you see my husband and/or the kids. We are always together. We LOVE being TOGETHER. We grocery shop, walk, ride, go to basketball games, read, eat, worship, do yard work, etc. TOGETHER. We are a team. It makes EVERYTHING enjoyable.
  4. Divide chores and tasks evenly among each other. Because we are all stakeholders in this estate, we work together to help it run smoothly. He has strengths and so do I. We use them daily to help take care of the needs of our home/family in a balanced way so that no one is overloaded.
  5. Build your budget on one salary. Even though for a while we had 2 incomes coming in, it made it that much easier to transition into me stepping away from my job (both times) because we ALWAYS set our budget and spending on his salary. This takes the pressure off when babies come into the equation or any other demands that will require one of you to reduce work or step away from the job.
  6. Get out of debt and stay out. We eliminate the main area of contention when we don’t have enormous amounts of debt lingering over our heads. It takes such a load off and allows for great freedom to not have to use every dollar we make paying a bill. SOOO worth the sacrifice.
  7. Take vacation time. We go on at least 1 major trip and several weekend getaways each year. We enjoy the time SO much and it helps us recalibrate for all the great adventures ahead.
  8. Go on a date regularly. We go out at least once a week. It doesn’t have to be fancy or expensive, but just getting dressed and out keeps the party pumpin’!!!
  9. Put the kids to bed!!! Many people allow the kids to stay up late, sleep in their bed etc. We never did that. The kids have a bed time. We spend a TON of time with them every day. But when it is bedtime, they go to bed. That leaves time for us to have some time each day as well.
  10. You build your family, let God build your enterprises. Though we have goals and dreams, we are careful not to rush them at the expense of our marriage and/or family. Enterprise and businesses will come. However, these precious moments to raise our kids and build a strong foundation takes time, effort and dedication. It is our #1 priority.  We leave the work at the office…
  11. Pray together daily. Though we pray and have our time with God each day independently, we also pray together as a family each day. It sets the standard in our home that God is the head. It helps us keep our hearts on him FIRST.
  12. See and celebrate each other’s differences as additions/bonuses to what you lack individually. Though I am super outgoing and passionate, Mike is laid back and calm. This helps complete the package vs. creating a source of division. Differences are assets.
  13. Keep a thankful journal. I write in a thankful journal every night. Often times when I get frustrated or FORGET how great my husband is, or how great things are in our life, I can look back on years of great things that have happened to me EVERY SINGLE DAY and it INSTANTLY gets my mind right back into perspective.
  14. Take a MILLION pictures, keep records, make playlists of moments during the journey that you can regularly reflect upon. It goes SO fast and there are SO many monumental adventures to cherish. They will help keep a smile in your heart.
  15. Build your foundation on the Word. Avoid TV shows, movies, songs, examples of marriages that don’t line up with the Bible. This thing IS NOT miserable. Instead, it is SOOOOO much fun, when done God’s way. (ie. Love is patient, kind… does not dishonor others… is not easily angered… keeps no record of wrongs… etc) Look in the right places for wisdom and examples of marriage.
  16. Look good for each other, KEEP IT TIGHT!!! Lol!!! Put on your make-up, workout, dress nicely, be sexy for him/her as much as possible. Reinvent your game and stay SPICY!!!
  17. Spend time growing spiritually, mentally, emotionally, etc. as an individual to offer your best to the union. Read books, attend conferences, invest in yourself regularly in you can be a strong and healthy teammate.
  18. Last but CERTAINLY not least: Acknowledge that DIVORCE IS NOT AN OPTION. I KNOW times get tough. I mean TOUGH. But (with the exception of infidelity/abuse), it can be worked out. If you fight for your marriage, and don’t give any outside force a foothold, together you and your husband can put 10,000 to flight. Love never fails. I am thoroughly convinced!!!

Whew!!!! Aren’t you glad we haven’t been married 40 years!!! Lol!!! You would be reading forever!!! Lol!!!! I am thrilled to share this awesome ride with my best friend. We are having a BLAST!!! We have built something SO special and I am committed to seeing it through to forever. I hope some of the items on this list are a blessing to you. It was a fun reflection for me. Thanks for reading it!!! May you experience all the joys of an awesome union!!! Here’s to Happily Ever After…

HOW TO BUY YOUR CAR WITHOUT A LOAN… 6 Easy Steps… YOU GOT THIS!!!!

Remember back in the day when your parents/grandparents had a vehicle? They may not have had 3 cars in the garage, but if there was one, they owned it, maintained it, worked hard for it and pretty much drove it until the wheels fell off. If your parents were like mine, they even had to save up for the car and perhaps carpool or ride the bus until they could actually afford to finally make the purchase.

Many of us look back at those days and reflect a time of hardship and lack. We see people today with 3-4 new cars in the driveway and deem it a point of success… we have finally arrived and are so much better off than our parents ever were. Unfortunately, though we look the part, and banks have made a way for us to “seemingly” attain, most of us are not “owners” of anything. We are paying monthly payments on just about all our (what we like to call) “assets”.  We are convinced that if we didn’t finance them, we would otherwise not have them.  And though we may not be able to afford $20,000 + upfront, surely, we can all afford $299 – $599 + a month right????? OF COURSE…. It seems that way. However, we can all agree that life doesn’t always turn out like we planned, and unexpected expenses occur which add undo stress and pressure to our financial situation.

I submit that our parents/grandparents owned way more than most of us today, simply because they were not borrowing. Let’s not talk about how less chaotic our lives would be if we were able to cut back on our hours at work, or if we were able to sow, invest or multiply the money we were throwing away each month on finance fees for an item that lost value the MINUTE it was driven off the lot.

Well, I am here to tell you that it IS indeed possible to OWN everything you purchase without having to borrow from anyone. Nearly 20 years ago, my husband and I started the process of becoming 100% debt free; that we would not charge, or finance another thing.  With the exception of our home, (we have a plan for that too) we have stuck to that goal and are super close to owing no one, nothing (pardon the double negative!!! 😊). It has been a sacrifice, and definitely delayed gratification, but it so liberating to have complete control over our spending. However, it has certainly required us to alter the process for some of the major purchases, such as buying a car.

In a world where everyone around is driving the latest $30,000 + vehicle, our appetite can often times be greater than our bank account. Though most vehicles on the road are less than 5 years old,  studies show, a very small percentage of them are owned by the driver themselves. So technically, most drivers are 1-2 missed payments away from repossession, or in laymen’s terms:  the true owner (the bank) can come take it back. Not to mention how many times beyond the actual price consumers are spending once the financed term is complete… and by that time, the once satiated appetite is way past ready for yet the newest version… and the vicious cycle begins yet again. And here we are, the $30k turns into $50k;  we are now at the perpetual mercy of the improved features of overpriced vehicles for which banks have so graciously provided ways to consume our salary….7 year chunks at a time.

In the meantime, we are led to believe that our infant child, toddler and pre-teen would otherwise be riding in harm’s way if we didn’t buy a new carWe would risk DEATH if our engine blew up while driving on the freeway to soccer practice… or heaven forbid the transmission left us stuck at a red light because it had 119k miles on it!!!! DON’T BELIEVE THAT LIE!!! I am here to dispel the “used car” myth once and for all. You CAN buy a new or used car that is safe, dependable, quality, stylish AND in your budget…WITHOUT GOING INTO DEBT.

Over the past 20 years we have had super success buying cars for our family. We have a process that has given us great results, and guess what, neither of our cars has ever caught on fire, blown up or had the air condition freeze it to ice!!!!  Here is a little list of our purchases:

Year purchased Year/Make/Model of car Price of car Mileage at purchase Mileage at the end of the term Years we owned it
2017 2007 Hyundai Veracruz $6,200 130k+ Still have it… 131k 1 month and counting
2015 2015 Subaru Cross Trek $27,000 BRAND NEW Still have it… 104k 2 years and counting
2012 2003 MINI Cooper $8000 81k 122k 2 years
2008 1998 Mercedes Benz $5000 98k Still have it…286k 9 years and counting
2007 1997 Jeep Grand Cherokee $3400 151k 298k 10 years
2004 1995 BMW $8500 153k 215k 3 years
2001 1989 Audi 80 $3600 69k 145k+ 3 years
2000 1991 Volvo 240 $3100 155k+ 300k+ 7 years

 

As you can see, we have enjoyed some of the luxurious, foreign, sport utility, compact, etc. cars and have gotten great life out of each of them. Here’s how we do it.

  1. Establish a price. This is SO important. What can your family afford? Not just for the moment, but throughout the life of the vehicle… gas, repairs, maintenance? Look at your bank account, bonus for the year, extra money you received and consider a CASH amount you can spend. If you don’t have it yet, SAVE IT!!!! Put aside a little money each month, combine it with a tax return, sell an item in your house you don’t need anymore, and create a specific amount you can spend. Don’t be afraid to start off small. You would be surprised what kind of car you can buy with only $2,000!
  2. Determine the need. Many people buy cars based on what’s hot and flashy, what looks cute. Consider what you NEED. Do you have a long commute and need fuel efficiency? Are you in the car for long distances and need extreme comfort? Do you drive through mountains and/or snow and must have 4-wheel drive? Or do you have a growing family of 5 and need ample seating? Whatever the case, be sure you are addressing the NEED vs. style, name, color, or other superficial reasons that will cause you to spend outside of your price range.
  3. Consider your options. Now that you know what you are looking for, you can explore the HUGE variety of vehicles out there to meet your need and your budget. Today there are many places to search for new/used vehicles right online, which can often times present a much better alternative to used car lots. One of our favorite sites is www.autotrader.com .  You can refine or streamline the search to accommodate your exact budget, need, amenities, and other items on your wish list. Be sure to explore ALL the options. You would be surprised of the makes and models you’ve never heard of or noticed on the road. Our latest purchase was a Hyundai, Veracruz. It is a vehicle we didn’t know existed, but after research, we discovered it met our needs PERFECTLY and ultimately became our only consideration.
  4. RESEARCH. RESEARCH. RESEARCH. This may be one of the most important parts of the purchase process. Once you have narrowed your search to potential vehicles, you must research the history of that particular make and model. www.edmunds.com , www.kbb.com , and www.cars.com are all great sites that offer details, specs, reviews, recalls etc. about automobiles from every year of the manufacturing process. They provide information such as gas mileage, pricing, amenities, safety ratings, size, towing capacity and so much more. When researching alternatives to the Veracruz we recently purchased, we considered other vehicles such as the Subaru, Tribeca and the Volvo XC90. However, after extensive research and reading consumer reviews, we found the Tribeca to have major transmission issues and both required premium gas. This helped make our decision very easy. Taking time to consider the history of the vehicle and the background of its manufacturing can save a lot of heart ache in the long run.
  5. TIME TO SHOP!!!!! Finally, you are ready to take your money and make an informed purchase. Search your spirit when exchanging information with the seller. If it is a used car dealer, have they marked the price up to an astronomical rate? What is the Kelley Blue Book value of the car? How many owners has it had? Any accidents? How well was it cared for? Why are they selling it? Don’t buy off your emotion. You want a car, but YOU have the power… YOU HAVE THE MONEY!!!! If they are asking too much, but you really like it, talk them down. Be firm on your price. You have done your research, so you know how much this car is worth based on mileage, and condition. When you test drive it, LISTEN!!! Listen to the car, the sounds its makes. Look at the handles, the locks, the windows, the tires, the brakes. Does the moon-roof leak? The condition of the car will tell you a lot of how well it was cared for and help you make an informed purchase.
  6. HAVE A SUPER MECHANIC. Last step. Many people swear by taking their car to the dealership to have it serviced. We have never done that. We have always been fortunate to know of a very knowledgeable mechanic who is reasonable and enthusiastic about his/her job. We always have him look over our vehicles before putting it on the road. Remember you are buying your used car in “as-is” condition. Surely, it may need a tune up, new tires, extra coolant etc. He will be able to put it on the computer to determine exactly what it needs before driving it, and throughout the life of the car. It is always a plus when the mechanic develops a relationship with you and your car, so you have a reliable source to help when repairs or maintenance arises.

There you have it!!!! I know this was a long one, but you are now equipped to make an informed decision when purchasing a vehicle. Whether you are in the market to buying a brand new or used car, I strongly encourage you to always buy it with cash. Who wants to spend half of their paycheck each month for YEARS on newer features that will only expire soon after. When you buy it, it’s YOURS. It becomes an asset. No one can come take it and no one will hound you each month for their dues, while overcharging you several times over. The best part of it is this: When it is time for you to move on to a true upgrade, you will have the choice of doing whatever you choose with your car. So far, we have been fortunate enough to give several of our cars to others upon upgrading, (which has been one of my favorite parts of car ownership). I am excited that every purchase is better than the one before. I am excited that instead of spending our money on expensive car notes each month, we are able to save, invest, and enjoy. I pray this post helps you as well. May your greatest purchases be ahead of you!!! Here’s to 300k+ mile debt-free voyages!!!!

 

 

SWIPER NO SWIPING!!!! A New Year’s Resolution Suggestion…

Looking for a great resolution for 2017????? What if: you decided that starting 2017 you will live debt free? What if you cut up your credit cards and decided to make all purchases with cash/debit/check only, got out of debt and stayed out???? Sounds difficult I know.

My awesome pastor taught a series at church WAAAAAY back in 1998 about living a life free of debt, maintaining a budget and basing your spending on one salary (after tithes and offering). Since 1998, my husband and I made the decision to tithe and give offerings faithfully, live on his salary alone and to not charge or finance another item ever again. With the exception of a mortgage, (we have a payoff plan for that too!!! Lol!!!) we have maintained those goals without compromise… not for a car, my master’s degree, furniture, vacations, jewelry, clothing… NOTHING. It took a TON of sacrifice, delayed gratification, buying used, and strategic budgeting… But I tell you, we have never missed a beat, never gone without and have gained the true freedom to do exactly what we are called to do.

Many people ask me how I retired at age 37? How we were able to pack up and build a home in the mountains, travel regularly, buy a brand-new car in cash, give generously, etc… It really doesn’t make much natural sense. My husband and I come from low income families. Both of us grew up on welfare. When people see us now, they would never know. I am careful to share our story with others because our success is not based on traditional methods of education, intellect, some great investing scheme. We didn’t collect an inheritance, win a settlement etc…

Simply put, His ways are higher than ours. We’re not perfect, and never claim to be. But He is… When we were led to live debt-free, we simply obeyed. And God simply provided. I dare you to trust Him with your finances… With EVERYTHING!!!! You will soar to places beyond your dreams!!! I hope this blesses someone today… Happy New Year!!!! 🙂

“I Want to be a Baller’s Wife!!!!!”

dis-classic-disney-20844872-1024-768.jpg

“I want to be a baller’s wife!!!” I remember this being a common response from my female students when discussing future endeavors post high school. With so many opportunities, talents and gifts the girls had before them, I was disappointed that they were reduced to this option.

Oh, what is a baller’s wife you say? Well, I’m no Webster or anything, so don’t quote me on this, but my definition would be: an opportunist, a woman who latches on to a man at the height of his career with hopes of optimal gain.  This idea really bothered me, especially with the continual images on cable TV of seemingly wealthy women living a life of excessive glamour, fame, prestige and drama. I guess I can’t direct all my frustration on the Housewives of Atlanta (or the like), when Disney and other big name production companies have been pumping our heads with these images for decades. The Cinderella story, Rapunzel, Snow White, Sleeping Beauty… the idea that somehow a man is going to sweep an otherwise distressed damsel out of her misery. Save her. Take her on his white horse and whisk her off to a life of wealth, ease, and happiness.

Well, what’s so bad about this? I mean a man is supposed to be the provider, the protector. He is supposed to take care of his wife and children right? Of course he is, however the baller’s wife leaves women burdening the man with excessive provision. Burdening the man with rescuing her from all her problems. Burdening the man with relief from debt and other financial stressors. If we consider God’s plan for man and woman, it would change the entire trajectory of the mate selection process.

First of all, a man should have his stuff together. He should know his purpose in this life. After careful examination of his gifts and talents (over several years) and close relationship with God, he should know what he is called to do. Every step he makes after high school should line up with him getting closer to that calling. Unfortunately, men too, are inundated with the overwhelming requirements to gain status, wealth and a name. They settle for a goal with monetary reward vs the goal of fulfilling the call on their life. Ultimately this leaves him to a life of complacency, regret, envy and lack of true accomplishment.

God knew that men would struggle with accomplishing their true purpose alone, so he created a woman. A woman is called to be a help mate. One who will work hand in hand with her husband to help him achieve the call on his life. They then, would enjoy success, fulfillment, wealth, and wisdom from the journey together. There is grace on this plan. Though it is contrary to popular belief, it works. If a woman was working on herself spiritually, emotionally, educationally, financially, getting her stuff together, she would not need a man to rescue her. She would be willing, and able to provide her husband with the help that he needed. Unfortunately, if a husband is distracted from his calling to perform the tasks of paying off his wife’s debt, working around her insecurities and making sure she is whole, he can’t possibly be all he is called to be. He is forced to use his entire check/salary to feed her whims. Her desires for $400 purses and drawers of makeup and racks of shoes used to fulfill her deeply rooted insecurities that are camouflaged as desires/needs. Unfortunately, this never works so it is wasted effort.

After 17 years of marriage, I guess some could say I appear to a baller’s wife. My husband is a robotics engineer, and a minister of music. He works from home, earns a nice salary and has provided a comfortable life for my children and me.  The difference is… He didn’t wake up like this!!! Lol. I met him in college. We were married soon thereafter and all the while, I have been by his side, hand and hand, helping him to make decisions that help lead him to his goals. Helping him with the behind the scenes tasks that allow him to shine. As he pursues the Word, he has all the components that allow him to fulfill his dreams with ease, which ultimately benefits us all. They say behind every great man, is an amazing woman. I believe that to be true. And any married woman can attest to the idea that her husband probably couldn’t put a good looking outfit together without her help.

My main point is for women to understand that they are designed to help their mate. It is not the other way around. The provision that a man will provide is a benefit of him reaching his true potential. But he needs you to help him do it. Often times, we are so willing to put the attention, time, care, effort into the visions of our bosses at work, in order to help him/her fulfil their vision for the company, yet we are reluctant to help our own husbands. Help him. Your efforts are not in vain. They will not go unnoticed. Whether you are a stay at home mom holding down the fort, or you help pack your husband’s lunch each day, help fill out resumes, or make necessary sacrifices for him to go back to college, there is grace on your ability to help him become all he is called to be.

While the Cinderella story, the woman standing on the sidelines at the basketball game, or the ladies on the hot reality TV shows seem glamorous, if you study them carefully they are merely a facade. A complete counterfeit of God’s real plan. We should strive to become all God has called us to be, so we can help our mates become all they are called to be. Together, with God at the head, there is nothing we can’t accomplish. There is no enemy or weapon formed against us that can prosper. And THEN, the happily ever after can commence… 🙂 🙂 🙂

 

SUPER UN-SIZE ME!!!! Retired by 37… Catalogue of the Downsize…

The American order of operations: graduate high school, go to college, meet your potential mate, start an awesome career, work, work, work, get a new car, a super apartment, an awesome wardrobe, get married, buy a new house, start a family, get a master’s degree, get a promotion, upgrade to a bigger house, have more children, get a bigger car… (out of breath) WHEW!!!!! Work, work, work. Get more and bigger and better and higher and more and more and… (PANTING…)

Maybe not in that exact order, but it seems the pot of gold at the end of the of the rainbow is the biggest house, with the nicest car in the driveway, the highest level of employment, with a wardrobe filled to overflow. Often times it comes at any expense.

The Rat Race

I admit, and for no selfish or keeping up with the standard type of reasons… I genuinely couldn’t wait to graduate high school and complete the necessary requirements for becoming a high school English teacher. The year was 1999. I graduated college, got married, started my first teaching job, bought my first house all by the age of 22!!! I was ready to GOOOO!!! I started having kids; an awesome boy and two years later, our sweet girl!!! (CHECK!!!) I got my Master’s Degree AND earned a 4.0 GPA.  (CHECK!!!!) I became lead teacher and soon after named Teacher of the Year. (DOUBLE CHECK!!!!) We built and bought houses, had 3 cars to fill our 3 car garage, sunny vacations etc… By all typical standards, after 15 years, I was fairing pretty well in the race to “the great.”

However, I found out pretty quickly that as I was conquering my checklist, I was missing out on the elements of this life that really brought me joy. At least at it’s true depth.

Contrary to popular standards, after careful prayer and consideration, my family and I made the decision to downsize. I completed my final year of teaching. We put our beloved 5 bedroom 5 bathroom home in the suburbs up for sale. Sold all of our furniture, donated most of our clothing and accessories. And prepared for a totally new life.

The Great Downsize

Less than a year ago, we had a home built in the Northern mountains of Georgia. It was a place we vacationed regularly. It was a place where we found peace. A place we could be free of the rat race and enjoy the most important things in life. I must say, it has been a major change, but the greatest promotion of our lives.

First of all, though I miss teaching a TON, I now have time to put my family FIRST. My days are filled with peace. Instead of working hard to build another man’s industry/visions and dreams, I am helping to build my own legacy right in my own home.

We start our days off pretty calmly. My husband makes breakfast for the whole crew. Thereafter, I take the kids to school while calling him on speaker phone for our family morning prayer. After dropping the kids off, I am able to read my bible, pray and get before the Lord uninterruptedly. I get to exercise, enjoy lunch or short shopping dates out. A couple weeks ago, I spent my entire afternoon planting new flowers and grass for the backyard. I am able to volunteer at church, school or wherever is necessary. I have time to plan and prepare healthy meals for our family. Thankfully, we never have to eat fast food, school lunch, microwave or prepared meals. We grocery shop each Sunday based on the food we will cook for the week. I am available to help with projects and homework, practices, performances, fieldtrips and games. I am so much calmer than when I was attempting to juggle it all before. Not to mention the time, love, energy I am able to devote to my marriage.

As for the kids, they attend the public high and middle schools in our county. Both schools have less than 700 students, which allows for smaller class sizes and a more personalized education. Our town is small and yes, it takes 15 minutes to get to the grocery store, but the pressure to wear name brand clothes and perform, compete, or exist in a crowded school or town where you are a merely a number, has been eliminated. We all are forming meaningful relationships and exchanges. People value each other and family is a priority.

Financially, though we decreased our income by eliminating my salary, our needs and desires have been recalibrated and our plight for “MORE” decreased right along with it. Of the 6500sq ft of house we sold, I think we truly only occupied 1,500 of it. It was unnecessary and wasted space that cost more to heat, furnish, clean etc… So, our new home is indeed smaller, but it is a little slice of heaven for us and we use and enjoy every inch of it daily. We have 2 cars that we own outright and refuse to acquire debt of any kind.

True Abundance

I could go on and on. But overall, the clichéd idea of quality over quantity reigns supreme in our home. I plan to stay happily married to the same man that I made a promise to God on my wedding day. I only have one chance to raise and enjoy the time I have with my children. I can’t think of anything more meaningful or worthy of my devotion than that.  Ultimately, I wouldn’t change a thing. Who knows, I may go back to teaching someday, however, I am open to the ways God will allow me to use my teaching gifts in greater capacities. Recently, my husband and I had breakfast one morning in the middle of the week. I couldn’t help but notice the restaurant filled with senior couples and friends there enjoying themselves.  I noted then, that no matter what, I refuse to wait until I am 65 years old to take time to enjoy this life… and at age 39… and one year in, that is precisely what I am doing… enjoying every moment of this incredible, once in a lifetime journey…

20150417_192734.jpg

20150410_163648.jpg

20150404_133554.jpg

20150328_154305.jpg

20150605_1928583.jpg.jpeg

John 10:10 “…I am come that they might have life, and that they might have it more abundantly.”