TMMO Book

I have an extra copy of the Total Money Makeover (no dust cover) that I am willing to send to someone that will use it.
And to make it more interesting (and make it easier for me to pick someone), I have a trivia question that has nothing to do with LL, money or budgets. It’s just my a line from my favorite movie! Who said:

“Hats for bats. Keep bats warm ..”

And for extra credit, what is the actor doing now?

Feel free to send me the answer privately.

Our great news of the week!

My DH’s disability got approved first time through!! Only 30% are. I am excited. We won’t receive any money till it goes through the processing center. Later on we will receive back pay. We plan to tithe, make the house more handicap accessible and invest for his future health needs. We knew we would know soon but it still feels insane. A special thanks to Jan and Kimberly for helping me through that long wait!

Frugal and delicious!

So this, I’m sure is old hat for some of you professional baking types, but I just made my first homemade chocolate pudding! It’s always been Jello brand in my house…. But this was Yummy and all with ingredients I had on hand!

Here’s what Ben has to say about the book:

My favorite thing about the book is that each person profiled, or “Debt Hero”, got into and out of debt in a different way. So as you read the book you’ll connect with the profiles that are relevant to your individual financial situation.

Each person shares their main downfall that played a big part in them getting into debt. They also share the most effective method they used to get out of debt. So you get a feel for the financial mistakes made / hardships endured and also how they beat debt.

Debt Heroes

My friend Ben from MoneySmartLife.com just finished up his new book.
It’s called Debt Heroes and profiles 21 different personal financial bloggers or authors that struggled with and successfully paid off large amounts of debt. Collectively they paid down over $1.7 million in debt!

The book is part of a program called KDP Select on Amazon that allows Ben to give it away for 5 days every 3 months.

Today is the 5th day (sorry for the short notice) in the promotion so after tonight Amazon automatically raises the price.

Even if you don’t have time to read it now, go download it for when you have a few minutes to check it out. Here’s the link (you don’t need a Kindle to read it). You can read it on a Kindle app on an iPhone or Android phone

We’re slowly recovering here from my whirlwind trip to Phoenix for the funeral last week

Parents ended up covering the cost of the flight, so monetarily we weren’t out that amount (which was a darn good thing because it was $943 for that RT ticket). I stayed at my Mom’s house and was shuttled around in various family member cars, so no hotel or rental car fee either. Financially, it only cost us some vacation time for DH since he stayed home to tend the farm while I was gone, and the parking fee at the near-airport garage. I didn’t feel too badly about that one since taking the shuttle down would have been just as expensive.

But there was also the sudden paradigm shift from a DR type of “don’t spend it unless you have it” lifestyle, which we’ve only been on for 18 months, back into the “spend like there’s no tomorrow” lifestyle for most of the rest of our family/friends. On the one hand, it was jarring to hear folks talk about all the services they hire out – cleaning houses, tending yards, doing 1001 other things that my DH and I do for ourselves now (either to save money or because we always liked doing them for ourselves anyway). On the other hand, dang it was sure nice to be back in the realm of new furniture, new sheets on the bed, new dishes in the new kitchen, new appliances, new clothes in the closet, new new new new everything. Our life seems so ……….. dingy ………. by comparison.

I got on the return plane feeling rather discouraged by our self-imposed hardships, and I knew that most of our family and friends would either question (or have already questioned) the wisdom of “doing without” for the sake of paying off some bills. Never fear, DR fans, I was also working on 4hrs of sleep at the time, so nothing looked particularly appealing at that moment except my own darn bed. But getting home and getting back into the swing of things, I’m once again convinced that this really is the right way to go. We aren’t at the point yet where we can drop $1000 on airfare without blinking. We can, however, look forward to that day coming when we have quite a nice stash of cash BECAUSE we’re not paying on old debts anymore.

I got home in time for end-of-month paying off this-or-that bill, and it actually felt sort of good to do so. We may never be jet-setters. And I will probably never have as nice a house as my mom (which is an ongoing sore point for both of us, but we’re working on it). Yet I can look forward to the day when we can say we don’t owe money to anyone, and everything we have is ours, and maybe we won’t spend it on new sheets and new dishes and such. But we’ll spend it according to our priorities, not someone else’s. So I guess that’s a pretty good way to start a new week and new month.

The qualification process is not all the same between children and adults

Soc. Sec. has a list of qualifying conditions. If your children have one of those, then possibly it can go quicker, but not always. If their conditions are not listed, then they will try to find an equivalent condition to match it to. Our dd has at least one qualifying condition because I’ve seen the list and, like your kids, won’t outgrow it or be “cured”. If I can find the list, I’ll try to send it to you by email.

My revolution for today

I have no real homework because we are debt free! So today for the first time ever I am taking my kids to the movies! It’s a cheap $3 movie but, I am excited. Dave is right money’s fun when you got some and before I found Dave I never had some. So, if your still paying your debt remember one day you too shall be free!!!!!!!