July 4th Weekend

I interrupt these Financial Peace posts to bring you our Forth of July events:

For months we have been trying to plan a trip to Luverne with our friends Mike, Kelsey, and Brother (also named Mike). And little Addy, of course. We wanted them to experience life in the country, and for some reason they wanted to come. So we tried to live up to their expectations. Plus, they got to experience Marilyn's cooking. I'm pretty sure her Bible has an 11th commandment: thou shall not let no being go hungry, and she didn't disappoint with breakfast casserole, blueberry scones, blueberry pancakes, oofta tacos, and a smoked turkey (courtesy of Gene).

We celebrated the 4th at my side of the family's get-together. It was great to spend time with family and friends at the same time. And to see Carissa home from her Austrian/Parisian adventures. We ate delicious smoked pork with all the fixings, and finished it off with homemade ice cream and watermelon. The guys couldn't resist a seed-spitting contest. However it was difficult to see the seeds fly, so I'm not certain who won.

Back at home that afternoon we took advantage of Addy's naptime and took a ride down the dirtroads on Gene's "Buck Mobile" (a camouflaged Suzuki) and their four-wheeler. Jesse offered a quick lesson of how to drive the four-wheeler, and Kelsey was off, riding the red roads in her cute little blue dress. Unfortunately we did not photograph this ironically-dressed event. We cut through the woods, back to the pond for a little off-roading. When we returned we continued our outdoor activities by shooting a variety of guns: Jesse's .22 rifle and Kel-tec pistol, my .38 special, and Gene's shotgun.  Mike only recalled shooting a BB-gun as a child, and Kelsey showed her sharpshooter skills with the rifle.

When Addy woke we took her out to pick blueberries. She loves fruit, especially blueberries, and was absolutely adorable picking them. She was so concentrated on them, like she could not believe such deliciousness grew on trees!

On Saturday we drove to Banks to McClelland's Critters. Jesse & I have been there before, and we knew Addy would love it!  She knows many animal names and sounds, and pointed out all the animals to us as soon as we got out of the car. We all enjoyed feeding the animals and Mike, the zoo-keeper's, tour through the pens. 

(she did not want to touch the snake)

We had a wonderful time, and they felt like they experienced all of Jesse's childhood in one weekend! Although they will likely never live in the country, hopefully we convinced them to visit us one day if we wind up living in Middle of Nowhere, Alabama (to them, anyway)!

Financial Peace - Part 1

A couple of months ago I finished going through Dave Ramsey's Financial Peace University 13 week program with a group from church. The program was great, and while it is full of common sense practices it still has plenty of information for people in all financial situations.  It is not just a program for those with tremendous amounts of debt to pay off, and it is also not just geared towards those with plenty of money ready to invest- it is for everyone! I learned a lot from the program and took a lot of notes.  I wish everyone could go through this course to learn how to be smarter with their money. Just check out some of the current figures of the average American:

• Average Credit Card Debt: $15,191
• Average Mortgage Debt: $154,365
• Average Student Loan Debt: 33,607
• and just for kicks... Average Medical Student Loan Debt: $169,901
• Plus a fun fact (which I thought surprising): Debt increases with age. Those 65 and older have greater debt than each younger age group.

(Data gathered from nerdwallet.com and the AMA)

Not to mention we are a society that is consumed with instant gratification. We want nice things (because others have them), and we want them now. We think we must drive nice cars, so we have a payment for that. And we must have nice phones with internet access, which we pay a large sum for each month. And at home we must be able to click through hundreds of channels and record shows to watch at our on leisure... and on a big screen, high def TV, none-the-less, for which we also pay a pretty penny. I could go on... None of these example items are "bad" if you can afford them, but they are simple, unnecessary items to cut out of the budget if you can't. Dave addresses these as well.

Dave has lots of materials and options for his programs, from books and online tools to DVDs; group and home editions, etc. But he charges for most of them (a bit too much in my opinion, considering he is aiming to help your financial situation... but it's made him a billionaire, so....) I wanted to summarize each lesson for you in case you can't get your hands on the actual program.  (I believe there is a newer edition than what we did, but I'm sure the principals are all the same; some titles may be different).
There are some free resources and worksheets you can find HERE (or surf around the web yourself for pdfs from workbooks).

How we entered the program:  I'll be honest and say that we are in the best financial situation we have been in, single or married. With Jesse having a full-time job bringing in more than minimum wage, we have moved up from our first year of marriage. However, I am accumulating student loan debt by the minute for optometry school. We are fortunate enough, though, not to have undergraduate debt and to only take out the minimum amount to cover my current tuition without using loans for living expenses. This made the program a bit difficult though, because Dave talks about loans and debts as if they have occurred in the past, and it's difficult to decide what to do about it while in the midst of accumulating the loans when you know you can't pay them in full (or avoid them altogether).  At the end of these posts I'll discuss what we implemented from the program.

Let's cover the first two lessons quickly:
Week 1 - Super Saving:
Dave revealed his "Baby Steps" to financial peace. These are referred back to during the 13 week program and are the main steps to financial peace. These are discussed to let you know what is ahead, not to be completed before you return to week 2 (because that would be impossible).

• Baby Step 1: Save a $1,000 emergency fund (expected time 2-3 mos)
• Baby Step 2: Debt snowball (pay off all of your debts, excluding mortgage; expected time 18-24 mos)
• Baby Step 3: Save 3-6 months (necessary) expenses in emergency fund.
• Baby Step 4: Start investing - 15% of income into retirement investments
• Baby Step 5: Help plan your child's future - college funding
• Baby Step 6: Pay off your home early
• Baby Step 7: Build wealth and give!

What I got from this lesson:  Saving money must become a priority and wealth building requires discipline. A common misconception is that "money is the root of all evil" and is perceived as a bad thing. This is not true - money is not good or bad; it becomes good or bad depending on what you do with it and your emotions towards it. It is the love of money that is the root of evil. Your attitude towards money determines if you are saving responsibly or hoarding it. 

Dave gave 3 reasons to save: emergencies, purchases, and wealth building. The emergency fund is very important, as it will protect your investments in a time of urgent need. And this is only to be used for actual unexpected, emergency expenses- such as car repair, unexpected bills, or job loss. He discussed when you have an unexpected expense such as car trouble (a "car crisis") - if you are prepared financially you pay the bill and move on, solving the car crisis. If you are not prepared, you not only have a car crisis but also a financial crisis at the same time, and a large amount of resultant stress. Saving money may take a lot of effort on your part now, but it will pay off in the future. Imagine how much stress could be alleviated from your life if you could reduce your debts (completely), had an emergency fund in case something happens (avoiding a financial crisis), and had enough in the bank to live comfortably today and investments for later. Dave's motto is "live like no one else now, so that you can live like no one else later." Some may think this is impossible, but it is definitely an attainable goal at any stage of life. It may take time and some sacrifices along the way, but the end result is liberating. Testimonials are scattered through the DVD series, and they are remarkable. Go HERE to read some for yourself.

Week 2 - Relating with Money:

I didn't get to go to this class, but I did get caught up on the subject. 

Dave hits on the topic of how men and women are different, and how you and your spouse may not have the same ideals when it comes to budgeting, saving, and wealth building. He divides people into two groups: nerds and free spirits. Nerds enjoy numbers and creating a budget and are generally more disciplined. Free spirits are just the opposite and enjoy not having to think about numbers and budgets. The main point is that all people are not alike, and if you are a couple you should work together to do this program. Two heads are better than one, and you can use your differences, strengths, and weaknesses to help each other. If you are single doing this, you may want to seek an accountability partner to help you stay on track, especially if you identify with the free-spirit group.

What I got from this lesson:  Jesse and I are definitely different when it comes to, well...most anything, and it was good for us to think about these characteristics. We would agree that we both like to save, but that doesn't mean to don't both like to spend as well. We just do so differently. Jesse doesn't buy many things, but when he does it is usually big-money items, like a new TV. I, on the other hand, will drop $20 at 5 different places throughout the week and not realize I've spent 100 bucks. I'm glad this was a focus at the beginning of the program so that we could assess what characteristics would work to our advantage, and what habits we need to work to change. 

This post would be extremely lengthy if I didn't split these lessons up, so come back soon to read my summary of the next few lessons!

Have you done a Dave program before? How did you do, and what did you implement to better your financial situation? Share your experience or concerns in the comments section below!

From Our Kitchen - Pinterest Inspiration

With my more relaxed summer schedule I recently experimented with a few new recipes.  I have a whole board on Pinterest dedicated to numerous recipes I thought looked delicious, with the hopes of one day making them all. My school schedule the past two semesters has not given me much time to spend in the kitchen during the week, so this summer I've been throwing in new dishes to try, and I marked a few off the list. Surprisingly, nearly everything we've tried turned out good.

When compiling this list to share, I realized all of my picks were from my top 3 food blogging sites: Damn Delicious, Chef-In-Training, and The Pioneer Woman.  All three of these use simple ingredients to create delicious meals, and then they photograph the food so well you just want to lick it off the screen. For real.

In each description below, click on the picture to take you directly to the original site. There is also a link to my personal printable version for my recipe binder under each image. (All images are those of the original blogger.)

Lemon Chicken (by Damn Delicious) - a quick & easy way to change up the ordinary chicken night. The only thing you might not have in your pantry is a couple of lemons. After zesting them for this dish, give 'em a squeeze and make yourself a glass of lemonade!

(Click HERE for my printable version of the recipe.)

White Chicken Enchiladas with Green Chile Sour Cream Sauce (by Damn Delicious) - rich and creamy enchiladas; toppings optional, but not really.

(Click HERE for my printable version)

Crab & Quinoa Spring Rolls (by Damn Delicious) - the original recipe called for shrimp, but since I'm allergic, I changed this to imitation crab. Don't turn up your nose! You can always buy fresh lump crab, but that can get pricey. Although I don't think imitation crab taste much like real crab, I like it's own flavor.  I know I said most of these recipes have common ingredients. This one calls for quinoa (which I've talked about before) and rice paper wrappers. I did have to go to an Asian market to get these wrappers, as Publix did not have them, but you might luck up and find them in Walmart or elsewhere?

(Click HERE for my printable version.)

Baked Corn (by Chef-In-Training) - I love corn. This stems from a deep love of my Memaw's freshly creamed corn from her garden. And I mean fresh. I remember helping bringing in piles of corn from the garden as she sat at this old wooden table outside her house shucking and washing corn cobs. Then they would get creamed by hand into glorious perfection. There was and is nothing like it to this day. Okay, okay... back to the recipe. It takes plain ol' whole kernel corn (which nearly makes me gag to just serve alone as a side) and dresses it up.  Similar recipes call for mayo and/or sour cream, so I like this recipe better since it cuts out on more fattening things like that.

(Click HERE for my printable version)

Spinach Artichoke Pasta (by The Pioneer Woman) - throw the "less fattening" idea out the window for this creamy pasta dish from Ree. She, butter, and cream are a love triangle that will not be broken. But, this classic dip turned pasta recipe was a hit at our Community Group one night, so I think you will like it too! You could also throw in diced chicken to make this dish more filling.

(Click HERE for my printable version)

Share any new recipes you have tried in the comments below, or let me know if you make any of these dishes and how well you like them!

Lately

Hello again world!  I realize I've been a little absent around here lately.  I've just been rolling through with my summer schedule, and just when I was getting into the groove of things it was over Friday.  Six weeks flew right on by, but I'm ready to really kick my feet up and enjoy my summer break.

(My summer group going out in style with Dr. Vaughn!)

(On the way home, Heather and I stopped by Steel City for a celebratory pop to end second year.)

So what else have we been up to so far this summer?

- I got my hair cut with full bangs. (As you've probably noticed from the photos above.) I just went out and did it while Jesse was away for work one week.  I immediately regretted my decision because for a day or so I was personally convinced  I had just received a really bad haircut from the 80's. After a couple of weeks and a little bit of growth of these obvious hairs, I began to have fond thoughts about the do, and am now on board with my new "look."

- We went to an event recently called "Local Birmingham" and browsed over booths of local vendors to the sound of local musicians, and ate some local food from a food truck. I love events like this, and came home with a homemade soy candle (in a repurposed beer bottle) and a t-shirt that says "Someone in Birmingham loves me" underneath an outline of our little cityscape.  

- Jesse has been hard at work with his Master's course. The tables have turned this summer- he is now the one in the books while I take afternoon naps and watch Netflix.  I can't say I don't hate it. ;)

- Way back a few weeks ago we did a double-date night with friends Mike & Kelsey.  We went to this indoor trampoline place called "Airwalk".  Thank the good Lord above we only booked a 30 minute spot, because 5 minutes in we were all winded and had to take a breather on the sidelines. We jumped back in (pun intended) and had a blast. I'm pretty sure mine and Kelsey's abs got a good workout from giggling at ourselves the whole time. Afterwards we played a round of mini-golf and ate at a nearby pizza joint, which was incredible. Area 41 is on the outskirt of Birmingham, but worth the short drive to eat another slice of this fancier pizza. Plus they offered cannolis and creme brûlée cheesecake for dessert that night. And, of course, we had dessert.

- Our church kicked off it's Summer in the City series for the second summer in a row. The sermons have been kind of back to the basics and good reminders to us as Christians of how to truly live a Godly life.  There are so many activities and events that happen throughout the city during the summer, and it's a great time for us to get out there and enjoy community with each other and the people of our surrounding communities.  Our church is also doing weekly picnics after Sunday morning service to give us some extra time to hang out with each other, and help bring people in from the community who need a free meal. Bonus is that they get to here about Jesus while they are there. I love this idea they had, and it feels traditional and homey to have a potluck on the front lawn of the church.

I'm sure I missed plenty, but that's what we have been up to lately. We have big plans for this summer, which I will reveal soon!

Our Friends are Cooler Than Yours

I've talked many times about our friends, Mike and Kelsey. Some of you know that they make board games.  You've probably also seen a few things I've shared recently on facebook about the latest in their game developments. But I wanted to explain a little more here.

Mike and Kelsey have been developing their game, The Amberden Affair, for a couple of years now, and even coined a business name (Two Penny Games). They had the opportunity last year to enter their game in a Tabletop Deathmatch competition put on by a very famous game maker, Cards Against Humanity.  Within this competition there were hundreds of games submitted, and 16 finalists were chosen to present their games to a panel of judges and be recorded for a web series. The Amberden Affair was among the finalists. The winner will get their game printed for free and will have a booth at this year's conference to promote/sale the game.  You can watch Mike and Kelsey pitch their game to the judges here at a big gaming conference known as GenCon, and learn the meaning behind their company name:

Several weeks after the competition, they were notified they did not win, so they moved forward with other plans to produce their game.  It's a passion of theirs they couldn't let die.  They made some great connections at GenCon and even struck up a deal with a game manufacturer to print their game without putting out much of their own money up front. So they tweaked the game a little more to its final state and sent it off for mass production. Then they wondered how they would fit 2000 copies of their board game in their tiny apartment. (They have since figured this out as well.)

They decided to return to GenCon this year, and wanted to do something fun while there to promote their game. Having a background in theatre, they decided to host a live event of their game, where people can sign up to play as characters of the game in a themed hotel room. On June 1st they launched a Kickstarter campaign to fund this life-sized event. So what does that mean? Kickstarter is a crowd-funding site where you can set a goal to raise money to help produce your product or production, whether that's an artist to record new music, a new gadget, or a game (among many other things). Reading Rainbow is even making a comeback through Kickstarter supporters!  The idea is to have many people (known as backers) pledge a little bit of their money to help you reach your goal.  And you only actually get the funds if your goal is fully funded within the time period. There are different levels of backing so that you can choose an amount you're comfortable pledging, and many of them offer rewards - such as a copy of the product once it's funded and produced.

So go check out Mike and Kelsey's Kickstarter page (<-- Click there), and help support their live event! You can even only donate a dollar or so if you'd like, or a little more and get a copy of their game for your own home! Watch the video below to learn more about the game, and see Jesse and me in what is the closest we will ever get to a big-screen debut! So go support Two Penny Games on Kickstarter and help make the live-event possible! Mike and Kelsey would greatly appreciate it!

High Five for Friday

I am finally feeling like this summer semester is starting to have a routine- now that it's halfway over. And although Jesse was out of town for work this past week, I had a pretty good work and kept myself busy...with what, now, I'm not certain. But let's try to put together this week's High Five:

1.  On Sunday, after church, we had friends Mike and Kelsey over for lunch which was basically a launch party for their Kickstarter fund to support their gaming business. (More to come soon about that, so I won't elaborate here. Except that they are so creative and cool, and God is blessing their talents and efforts in so many ways, and I'm enjoying watching it all unfold.

2.  I've recently discovered Scandal on Netflix, and have quickly become somewhat of an addict. It's kind of like Law & Order minus the court room, plus politics, including the President and his affair with the main character (no spoiler there).  Which brings me to a conflict of interest in me telling you to watch this show (and describing it as I have).... because I don't support marital affairs, but shows like these drag you in and make you root for a relationship that shouldn't happen. And of course, they always make the wife out to be a horrible woman anyway. So watch at your own discretion, but I'm gonna recommend it. ;)

3. Tuesday I got to keep my favorite munchkin. She calls me "Em." Which partially makes my dream of being called "Auntie Em" like Dorothy's aunt from the Wizard of Oz come true. (I realize I'm not actually this child's aunt, but I see her on the regular, so I think we are close enough here.) I tried this on my actual nephew about 16 years ago, but the lingo didn't stick, much to my dismay.  And if I become Auntie Em, that makes Jesse "Uncle Jesse" like from Full House, which is equally as funny.  (Ironically we do sometimes call her a munchkin, which I didn't realize until now was so fitting, as well.)

4. My first week of clinic was awful. It took me 3+ hours to do a full eye exam, and my patients sighed their way through it, asking how much longer this would take.  (To my slight defense, all my classmates were in the same boat as me. But still.... no one wants to sit there 3 hours with lights blaring into their eyes.) Now that 2 more weeks have ticked by, things have gotten better and I've gotten a little faster. My last patient this week repeatedly told me that I did such a wonderful job. She really had no idea if I truly had or not (from my and my attending's perspectives), but she lifted my spirits and made me smile.  

5.  I made these Chocolate Chip cookies this week. I'm pretty sure I could eat chocolate chip cookies daily for the rest of my life.  I do refrain from this activity, but when I have a craving for a good chocolate chip cookie, I've got to make a homemade batch.  Store-bought just doesn't cut it.  The "secret" ingredient in this recipe is cornstarch, which makes the cookies extra chewy. This is just the way I like my cookies, so these turned out nice, without tasting under-done. 

Birmingham Adventures - Red Mountain

Last weekend we marked another to-do off of our Birmingham list by hiking a little through Red Mountain.  There are several trails to explore, but we only did about half of them. We took Maggie, and she was tired before we veered onto trail #2 less than half way through. Poor dog - she's an inside girl. We went from the South side to the North to see one of the overlooks. Not the best view of Birmingham, but pretty in the distance. And we also went to the SkyHy Treehouse. It's a small park, but perfect for a short outdoor excursion.