August Celebrations

Alright, folks. Let's catch up!

I've fallen short on blogging lately, mostly because I'm overwhelmed with what I want to share with you. I'd still like to round up the Financial Peace posts (since I've made it this far already), I need to share our road trip with you (I'm trying to figure out how to condense it into one post), but first I wanted to catch you up on recent events.

First, I had the pleasure of being in our friends Hannah and Adam's wedding last weekend. Hannah has been a true blessing in my life over the past several years. And it was evident from those that spoke at their rehearsal dinner that their genuine friendship and contagious joy are what have drawn each of their precious friends into their lives. You just don't meet many people like them, and together they will be even more amazing. I know God will use their beautiful hearts.

But now that I've gotten all mushy about them, let's talk about their incredibly enchanting wedding. It took place on land owned by Hannah's family that had once been used for family reunions and blue grass festivals. It was a little off the beaten path, but over the past several months friends and family have volunteered to spruce the place up, and all the work totally paid off. It was magical. A woodland fairytale wedding.

There were lights and tissue paper petals hanging from above, along with cupcake stands and centerpieces made from tree stumps (with delicious coffee cupcakes on top)!

They both wrote sweet sentiments about each member of the bridal party. They were sweet to read about ourselves, and also great to let others know who is who and their connection to the bride and groom.

The ladies all got to pick various styles of chiffon dresses in various shades of brown (or pink for the maids of honor), while the men wore their choice of a plaid button down shirt and brown vest. Color palette perfection, if you ask me.

Then came the blushing bride with a crown of baby's breath.

They exchanged beautifully written vows in front of an harbor built by friends from limbs and vines from the wedding site...

... and were pronounced husband and wife.

Then they danced the night away under enchanting lanterns and lights.

Only interrupted by group polka lessons (yes, we participated... no, I'm not good at the polka)!

Check out this wall that was constructed in front of the ceremony area - crazy cool, right?! (Also note the mason jar glass, because what rustic-type wedding is complete without Mason jars?)

And of course, a photo booth.

Wasn't that beautiful?!

Another celebration this month was little Addy's second birthday. She has been on a Curious George kick for quite a while, so Kelsey deemed it the theme for her party.  Kelsey and I worked hard last night as a great team to complete this awesome cake:

All guests were asked to wear yellow for the party, and Kelsey did a great job pairing foods with the theme and relating them to items or characters in the show. And Mike's artwork made super cute signs.

The best family photo captured. That's what you get with a toddler, folks.

 And then grandma won over her heart (at least for a few minutes) by dressing Addy up like George. A two year old, monkey-loving girl's dream. Just look at that smile.

Uncle Mike even dressed like the Man in the Yellow Hat. 

 Then, we adults played "pin the hat on George," because we are cool cats like that.

Afterwards, Addy opened her presents. Although I did not gift the sunglasses, I fully promote protecting those baby eyes. So let your kid be as cool as this fashionista:

 The last present of the evening - an Addy-sized George! Grandma won again.

 Then we sang Happy Birthday, and she blew out her candle all by herself.

And devoured a slice of her birthday cake.

Group photo, including Skyped in grandma and grandpa from Michigan!

That about wraps up our last two weekends. Jesse and I are also back in the groove of work/school (both for him, now). My third year seems a lot less stressful and overwhelming than last year. Hopefully that will remain true.
Vacation post coming soon!

Financial Peace - Part 3

Aaaand, I'm back! Sorry to leave you hanging in the middle of a series, but we went on vacation!! I realize that might seem like an oxymoron- in the middle of me posting about saving money we went and spent a bunch on a road trip to California and back. BUT we had it all planned out to go and factored up the cost to decide if it was feasible to do it in the first place. :)  It was amazing and there will be more to come about that soon! But let's get back to business over here.

If you need to catch up, here is Part 1 and Part 2.

Week 6 - Buyer Beware
This was a rather short lesson, but very useful. Companies attack you from many angles to intrigue you into buying their products. They have many tactics such as product positioning in stores, TV and other media, and also financing as a marketing tool ("only 3 easy payments of $29.99!").
But, Dave says, you can always spend more than you make, so you must develop a power over purchase. To do this, use these steps, especially when making major purchases:
1. Wait overnight before making a purchase.
2. Carefully consider your buying motives. (No amount of stuff equals contentment or fulfillment!)
3. Never buy anything you do not understand!
4. Consider the opportunity cost of your money.
5. Seek the counsel of your spouse, if applicable.
Don't chase happiness with money; happiness is where you are right now!

What I learned from this lesson: Very true words were spoken here. I've definitely gone through phases (read: stress from school) where I would swing by a store on the way home from a bad day and buy myself a new top or something in the mindset that it would make me feel better. Not true - those feelings are only temporary (read: until tomorrow the next stressful school day... or tomorrow).
Jesse and I are both "researches" when it comes to buying, so we frequently abide by #1, and we rarely buy anything without doing #5 (even small purchases). Number 3 I liked and took it 2 ways: it is always worth reading the fine print to know what you are getting yourself into, and also check your options even on smaller items. For example, we just bought a cooler for our road trip, but we made sure to check our options and understand the differences between brands, sizes, etc. to get the best bang for our buck.

Week 7 - Clause & Effect
This week was a biggie. Dave covered the 7 basics types of insurance coverage: home, auto, health, disability, long term care, identity protection, and life insurances. Since this was a long lesson, I will briefly tell you what Dave suggested what the best thing to do with each and leave it up to you to look into it further if you want. I'm not a pro at this, and still have a lot to learn myself since I haven't had to deal with all of these yet personally. Please comment if you have questions or need clarification, or if you disagree and will explain why, I'd love to hear your opinion.

Purpose of insurance is to transfer the risk of a big event you can't handle on your own to someone else.
Home owner's/Renter's Ins - To keep your premium low, raise your deductible. This is possible if you have a full emergency fund. However, when you raise your deductible you are also increasing your own risk (meaning you are responsible for more of the cost if something does happen). Therefore, you should consider your risk and determine if it's worth raising your deductible to save on your premium. Also get a "guaranteed replacement cost" not an "extended" this will replace the house even it it's worth more than you paid. And extended replacement plan will not cover the full replacement cost, so you must update it each year to make sure it covers the value of your house.
Auto - Always have at least $500 property liability. Consider dropping collision on your car if its value is $6000 or less. However, unless you can write a check for a new car, don't drop collision.
Umbrella policies (home + auto) are good and often help save money.
Disability Ins. - You need this. Buy a plan that pays if you cannot perform tasks of your occupation = "own occ" plan. Beware of policies that do < 5 yrs (short term, 3-6 months, should be covered by your emergency fund). If your work offers this, buy it! Try to get 65% of your current income; buy with after-tax dollars so when it is paid back to you it is tax-free- you can live off of 65% off you previous income, which is close to what you bring home after taxes anyway. Also check the "elimination period" - the time between disability event and when they first start to pay - the longer the elimination period the lower your premium; if you carry a full emergency fund you can risk a longer elimination period.
Long-Term Care Ins. - This is to provide assisted living/nursing home care (or a better plan will provide in-home care). Do not waste your money on getting this until you 60th birthday, then get it! Before 60 your risk of needing a nursing home is low. The cost of a nursing home is very high, and will suck through most of your savings without a Long-Term Care plan. The last 6 months of your life could be more expensive than a decade of your life, prepare for this for yourself and your family!
Identity Theft Protection - You could spend 600 hours of your time working on this. Don't get a plan that just monitors your credit- you can do this yourself! Get one that includes restoration services to clean up the mess for you!
Life Ins. - to replace lost income due to death; most people have no idea what they own! There are 2 kinds: "Term" and "Cash-value." Only do Term Life (also called "term") - it is offered for a specific period of time, is cheaper, and does not provide a savings plan. Cash Value (may go by other names) is more expensive and funds a savings plan, however, it has a crummy rate of return; the insurance policy keeps the cash value  you've paid in (what goes into the "savings plan" they advertise) and only pays the face value of the plan; a bad plan! Instead, do a Term policy and invest the extra you would spend on a Cash-Value policy into a mutual fund - you come out way better in the end! Your plan should be 10 times your current income so that when the insurance policy gives 10% of the total policy it will be your current income.
Always take out enough to cover your spouse as well.
Health Ins. - Again, the key here to keeping cost low is to increase your deductible (or increase your co-insurance or maximum out of pocket cost). Co-insurance is often set up 80/20 (they pay 80, you pay 20%); if you take more of the cut, they take on less risk and it lowers your premium. "Stop loss" is your max our of pocket amount; increase this to decrease your premium. If your stop loss is $10,000 you would pay you deductible + your 20% of the 80/20, then after you pay $10,000 they will pay 100%. Dave's theory is that you shouldn't be worried about a $10, $15, or even $20,000 event if you have a full emergency fund. NEVER decrease your max pay - do not decrease the amount they will pay you, you may need this in case of expensive events such as chemotherapy. The best option for health insurance is an HSA (Health Savings Account) plan, which is a tax-free savings account that you can spend on medical expenses; it is paired with a higher deductible insurance policy and is often covered 100% after the deductible.
Insurance Policies to Avoid: Credit Life and Disability, Credit Card Protection, Cancer and Hospital Indemnity, Accidental Death, Pre-paid Burial policies (he suggests saving for your burial if you'd like, but don't pay into a policy to do it for you and don't pay for it until it happens).

What I Learn from this Lesson: This lesson was very informative for me. I knew nothing about life insurance or disability insurance before this, and his explanation of Health Insurance was also very good. Being in the healthcare field, I've learned that many people have no clue about their health insurance. Many think that just because they are paying into it the insurance policy should cover anything they need done. They also don't understand what their deductible is. And another 2 cents: it is not your doctor's office's responsibility to figure out your copay; many offices do this as a courtesy because it makes their life a little easier. Learn about your plan, you are paying for end! (End rant now.) This lesson helped us realize we needed to reevaluate what we currently have, and informed us of plans we will need for the future.

Week 8 - That's Not Good Enough
This lesson was all about how to get the best bargain. Dave suggests making getting a bargain a way of life. Remember: everything is negotiable - at some point everything you want to buy is on sale. He gave 7 steps to negotiation:
1) Always tell the truth.  2) Use the power of cash.  3) Be willing to walk away! (When you aren't, you've lost the ability to negotiate.)   4) Shut up. (Ask questions to gather information; silence is powerful and makes people feel awkward so the seller will likely ramble and fumble and talk himself down without you having to put much effort in).  5) Don't be afraid to say "that's not good enough."  6) Beware of the good guy (salesman)/bad guy (manager) approach. Go straight to the "bad guy."  7) Use the "If I... [buy this/do this], then you..[make deal better/throw this in]." They often will make this type of deal with you, or will come down off the initial price.
Other tips:
Always be patient.
Learn where to find the deals; a little effort up front will save you in the long run.
Trade something of value that you current have or a skill you can do/service you can provide.
Buy from individuals.

What I learned from this lesson: It was fun to hear Dave talk through this lesson. He shared several stories of his personal experience negotiating for products, including embarrassing his wife while buying her new a new washer/dryer set. He seems to be quite the pro at this, and the key appears to be confidence. I've not had too many experiences with situations to negotiate for products, but I do seek out deals and will decide on a product and wait for its price to drop before purchasing. I have also couponed a good deal in the past, and while it does take some time it is worth it (if you have the time to spare... right now, not so much for me).

I realize these posts are getting long. I hope some of you are enjoying them, and benefiting from them. I expect there to be at least one more, maybe two. These are a pretty good summary of what I learned from the program, but they are all inclusive. Please take some of his suggestions to mind, especially about insurance policies and then research on your own some to determine what is best for you.

Summer days

Guys, I'm SO excited to tell you about the vacation we have planned for this summer! Many of you already know, we are going on a road trip. A very long one, in fact. All the way to California (and back)!

Hot spots on the way to Cali include the Grand Canyon, Las Vegas, and Yosemite. Then we will travel down most of the Pacific Coast Highway to cruise along the coast! We have several camping spots reserved. You heard that right - I will be camping. Something that I've only done once since I was a kid, but I've been to more outdoor stores in the past couple of months and we are now stocked with plenty of camping gear. And I actually own hiking pants now.

I'm so excited to see so many beautiful parts of our country. No worries, you know I'll keep you posted on our adventures!

Financial Peace - Part 2

Week 3 - Budgeting
Dave is VERY big on budgets. Why? "A budget is telling your money what to do; not letting your money tell you what to do." Aka- not getting to the end of the month and wondering what happened to all of your money.  Dave's preferred budgeting tool is a "zero-based cash flow plan."  This means that you should write out where every dollar of your paycheck goes before you spend a penny of it. This way, you control your money. You have then allocated every dollar to where it should go, leaving a zero balance at the end.
As I'm typing this I am watching the Today Show, and a segment just reported that nearly 70% of Americans live paycheck-to-paycheck (even with annual income figures up to $100,000)! Newsflash: we are not managing our money, our money is managing us!!!
Now, a cash-flow plan will not work if you leave things out (don't forget, and don't hide things from your budget!), you make it over-complicated (too many categories on your budget sheet!), you don't do it, or you don't actually live on it (duh).
To begin, fill out Dave's Quick-Start Budget HERE to get an idea of where your money is going.
Then work on your cash-flow plan with these forms HERE.
Your budget may (and likely should) change from month-to-month. Dave realizes this, and expects you to do a new budget at the beginning of each month, especially as you get started and learn where and how to tweak your budget to suite your needs better. And, if there is any money left over at the end of each month, it should go towards your emergency fund (or other investments that come later).
How do you abide by your budget? use the cash envelope system. This is it's own lecture from Dave, but I'll be brief. For each category of your budget you have an envelope with the allocated amount of cash. If you run out of money in that category/envelope you are DONE for that month in that category. Do not move money from one envelope to another. Whatever you have leftover in any category goes into saving/emergency fund. Plain and simple.

What I got from this lesson:  Budgeting is very important, and we were not doing enough of it. This was a very straight-forward lesson, and you really just follow the forms to set up a budget.

Week 4 - Dumping Debt
How do you manifest peace in your finances? Get rid of all of your debt! Imagine how wonderful it would be to alleviate that burden, and to owe nothing to no one.
Here are several myths Dave delivered for us to consider:

• Playing the lottery (or gambling) will make me rich.
  False: Gambling preys on the poor. The lottery is not filled with rich people. Those without high school diplomas spend ~$173/month gambling, while those with high-school diplomas spend ~$49/mo. This money is likely to all go to waste, when you could have invested it and let it grow over time.
• Car payments are a way of life, and you will always have one.
  False: Stay away from car payments by buying used, reliable cars. Never buy new! Ideally, save for a used car, pay in full with cash. Then take the money you would use for a car payment each month and invest that. The average car payment is $464/mo - at age 30, if invested with a 12% interest rate can result in $5.5 million by age 70!  
• You'll take out a 30-yr mortgage and pay extra.
  False: Life happens, and you will likely not pay extra. Dave recommends only taking out 15-yr mortgages, and keeping your mortgage payment below 25% of your take-home pay.
• You need a credit card, especially to do things like rent a car or buy things online.
  False: You can do everything you need with a debit card, these days. One of Dave's favorite things to do is cut up credit cards so you will stop using them. Those that use credit cards spend ~16% more than those that pay with cash (even if you pay off your balance in full each month).

How to get out of debt: Stop borrowing; Learn to save; and work hard to remove the debt, even if that means taking on a (temporary) extra job!

Dave's guide to getting rid of debt is the "Debt Snowball." You list all of your debts from smallest to largest. Pay the minimum on all debts, except the smallest one which you should work the hardest to pay on. Once the smallest debt has been tackled, apply what you were paying to add to the next debt's payments so that you are tackling those harder now too. And so on. HERE is that form. Doing it this way is motivating as you pay off smaller debts, and then even larger ones!

What I got from this lesson:  Becoming and staying debt free is the key to wealth-building. Dave's steps seem like a great plan to tackle debts one step at a time. Again, this takes effort, but it's all worth it in the end! Plus, paying off your debts and avoiding future debts allow you more freedom with your money - you can give more and enjoy vacations or other memorable activities.

Week 5 - Credit Sharks in Suits (Understanding Credit Bureaus & Collection Practices)

Dave hates the "credit score" or FICO score - a faulty standard that is based on debt, not wealth; based 35% on your debt.
You cannot repair your credit; only inaccuracies can be removed. And 79% of credit reports contain mistakes of some kind. Beware of credit "clean-up" scams - it is illegal to remove accurate data.
He discussed identity theft and what to do if that happens. You can read his advice HERE.
If you are in a bad situation and have debt that is being collected (Dave has been there himself), he gave the following advice:
- Debt collectors are not your friends. Their job is to get the money you owe them, however they will use many emotional tactics to do so.
- Know about the Federal Fair Debt Collection Practices Act (1977), which basically protects you from unfair collectors (you can demand they only call between 8am and 9pm, and not at work). Also no creditor or collector can take your bank account or garnish wages without proper and lengthy court action (except in cases of delinquent IRS or student loan debt) - other threats such as these are bluffs. A "cease and desist" order allows you to insist the creditor stop all contact except to notify of lawsuit proceedings - but do NOT do this unless your situation is horrible because all negotiations will stop and a lawsuit is likely.
- So what do you do if you're in over your head?  Your plan should include as much prompt repayment of debt as possible, but you must set your priorities (food, shelter, clothing, transportation).

What I learned from this lesson: Even if you feel like you have dug yourself into a big hole of debt, there is still hope and a way out. The point of this lesson was just this, and not to find ways to avoid creditors or paying your debts. I hope to never have to deal with this, but I enjoyed getting this bit of knowledge about this situation.

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!