Working The Dave Ramsey Plan

It's time to empty out all the piggy banks for the kids end of year deposit for their college funds. My son decided that he was going to donate a portion of his money to our local animal shelter. Where is my "Proud Mama" button for my shirt? When he emptied out his money from his little Ziploc bag and put it into their donation jar we all just stood there with big smiles on our faces. It's amazing how giving children can be.

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Personal Goals for 2011

Yesterday we got this fill in the blank sheet from church to begin thinking about our personal goals for 2011. For me it's hard to wrap my brain around the fact that this year is nearly at an end and that it's time to start over. Now I'm curious to see what my 2010 goals were and if I accomplished any of them. I'm going to list the questions here so you too can get your thinking cap on.

1. I will thank God daily for all my blessings. My goal for daily Bible reading and prayer is __days each week.
2. I will seek contentment and simplicity and live within my means. My spending goal is___.
3. I will seek freedom from the bonds of credit and debt. My debt reduction goal is___.
4. I will seek to wisely manage the gifts God has given me, investing and saving for the future. My saving goal is ___.
5. I will worship God each week by the giving of my tithes and offerings. My estimate of giving for 2011 is __.

In the past I've never really blended my faith and finances together. Interesting how they go hand in hand.


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Christmas - The Dave Ramsey Way

Just by chance, this year we have just now gotten around to buying our Christmas tree. We normally purchase our tree at the Houston Garden Center. Today they had a sale, all trees $35. SWEET! We found the biggest tree we could just for giggles. The tree we chose was priced at $170 but we did only pay $35. Why in the world wouldn't we wait it out every year? lol

This is my hubs trying to get this giant tree in the house.

Our boys playing in the decorations.

It's almost done.

We had to cut the top to fit the star on.

The kids are so happy!

Our family is now in the holiday spirit. It just didn't feel like Christmas without a tree in the house. The stockings are hung and it smells so good.

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Money - Tips

		$1,000 to start an Emergency Fund
		Pay off all debt using the Debt Snowball
		3 to 6 months of expenses in savings
		Invest 15% of household income into Roth IRAs and pre-tax retirement
		College funding for children
		Pay off home early
		Build wealth and give! Invest in mutual funds and real estate

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