Finding Time

More than often I get questions and comments from friends and colleagues such as: “How do you find time to do everything you do?” or my favorite “Do you ever sleep?”

My morning and evening devotions have found their way to focus on this subject here lately. As a result, I’ve felt the urge to write about it.

Finding time, makes it sound like time is this object that is fleeting and always out of our reach, but in fact, its right there, in our hands at all times.  Time isn’t fleeting, its the choices that we make to cause it to fly away or be used productively.  Time, as well as money, are two things that in reality we have a choice on how to use them.  We can use them wisely, or we can waste them.  A wise person, saves and uses wisely a fool wastes them on fleeting things.

There is also a very big difference in resting and being lazy.  Resting is a refueling, lazy is a waste of resources.  Resting comes as a result of hard work and productivity and finding calm.  Being lazy, is relying on others and outside sources to provide for us.  Do you remember the old story of the Ant and the Grasshopper?  The grasshopper mocked the ant for working so hard in the hot summer months, he insisted on singing, playing and being “lazy”.  The Ant worked diligently to fill its home with food so it could survive the harsh winter to come.  The story has a harsh lesson in the end.  The Grasshopper starved, the ant survived.

Here are some of the ways that allow me to focus on what is truly important, I hope they will help you on your journey.

  1. Wake up early and be consistent throughout the week. rooster
  2.  Morning is very important; how you start it will be the direction of your day.  Because of this, I will slowly wake up.  Laying in bed until my brain isn’t fuzzy anymore and then start moving to get ready.
  3. Make your bed.  Yes, you read that correctly.  Making your bed each morning gives you a sense of accomplishment from the very beginning.
  4. Daily Devotions and prayer.  I start my day with a simple devotion time and prayer to ask for guidance and wisdom in the upcoming day.  I also give thanks for having another day and for my husband.
  5. Keep your clothes simple.  Plan the night before what you will be wearing the next day and know what you have to wear.  In short, don’t have a department store in your closet or most of it in the laundry basket.
  6. For those of us who must work outside of the home as well as at home, remember this always.  We work to live, not live to work.  Your worth is not measured by your job and career.  I make sure that my job (as a programmer in the Tech World) has specific hours.  I work 40 to 50 (if uncontrolled deadlines are needed) a week.  When I am at work, I am at work.  I also allow myself a lunch break, which normally I write or take a walk during good weather.  Breaks are very important for keeping the mind clear.  I also spend the first 10 minutes of every morning, organizing my day with the tasks for that day and moving them along as need be, utilizing an Agile methodology.
  7. For both home and work I have outlined in a journal of what my goals are for the day, nothing lofty, just what needs to be done.  Keep It Short & Simple.
  8. I keep track of what I spend or earn.  This helps me with my budgeting and keeps at the front of my mind to not waste funds.
  9. At home, I keep a strict rule that home is for home and family.  This includes preparing the pantry for winter from our garden and supplementing with items from local farmers.  This is how I am able to can fruits and vegetables in season and bake homemade breads and rolls.
  10. I do not stay “tied” to my phone or computer.  I have found that keeping a written bullet journal handy to keep track of my to-do-lists, ‘shopping’ lists, moods, favorite scriptures and other things is better than being “plugged in”.  This way I’m not distracted to waste time on other “apps”.  I also have found that “helpful” apps are really not helpful at all, in fact they waste time more than anything as you grow to having an obligation to them.
  11. Shopping:  Okay this is a touchy subject.  I know that that the grocery apps are becoming a huge thing now days.  But convenience creates its own demons.  Plan your grocery needs, take the time to go and get only, what is on your list.  You will save money and be more prepared.   Keep a rule that if you don’t have an item in between runs, you will agree to go without, period.  If it is a necessity, say yogurt, make sure you have it on your list to pick up on the grocery run.  Keep your runs to once every other week, maybe longer if you can.  The time and money saved continues to grow. Also, non grocery shopping apps suck you into spending more money and time then what you really need, they speak to your impulse voice.  Its amazing how much you can spend in this way.  UNPLUG.
  12. TV is not a priority.  In fact, for us, it’s rarely on with the exception of some news and maybe an old TV show now and then, even then if my husband and I are enjoying the television, I’m knitting, crocheting or sewing while watching.  We have also cut the cable cord.  This saves us over $100 a month, another frugal tip.  Getting rid of TV will save you a ton of time and a ton of stress.
  13. Understanding your needs versus your wants.  Being plugged into the world tends to make it very confusing on exactly what a want and a need really is.  Especially when the new car, vacation, food, clothing, personal ads are constantly talking to you, even if you say you don’t pay attention to them, they become that little voice saying you need this, you need this to be popular, to be better, to be wanted.  Turn them off.  You don’t NEED any of it.  By not cluttering your life and not spending more and more money on things (wants) the stress will start to melt away.
  14. We eat at home with basic ingredients.  I have heard the argument that it takes too much time to fix good meals at home.  Hogwash!  The time and money you spend driving, waiting, eating and driving home, not to mention the health effects on your body, you could have had a much better meal and not spend half the money and the time.  If you have a tight work schedule, then meal-prep on the weekends.  Plan ahead for the week with a schedule.  This will also help you save money.  Oh, and make your morning coffee at home don’t hit the drive-through.  The money you spend on a good coffee maker and a travel mug, is pennies compared to the monthly cost of that daily/multiple coffee shop run.
  15. Enjoy the moment.  Instead of worrying about what you need to do tomorrow.  Schedule your week so you can sit back and enjoy the moment with the ones you love.  Now, when I say schedule your week, this DOES NOT MEAN DOWN TO THE SECOND!  Keep your load light, make room to enjoy life as life comes to you.  Do NOT over schedule.  Especially, if you have children.  Do not schedule an event every night.  Set limits for you and for them.  Take in a board game, enjoy conversation, a walk, and do chores together.
  16. This one goes with not over scheduling your time.  If you can’t give it at home, then don’t give it away somewhere else.  What does this mean?  If you are too busy to cook for your family, don’t volunteer to bake for the bake-sale.  If you don’t have enough money to buy your kid’s school supplies, don’t go out with friends to dinner and or a bar.
  17. Pack your lunch and prepare your breakfast the night before.  This way there is no rush and no temptation to hit the fast food place on the way to where you are going.
  18. Tidy up before bed.  Make sure the dishes are done, items are put away.  When you take care of things as they arise, the job is not near as daunting.
  19. Now here is the big one:  REST.  Yes, REST.  Take some time to unwind, read a calming book or an evening devotion.  UNPLUG, do not pick up that phone or tablet before bed, it stimulates the brain.
  20. Go to bed “early”.  We try to be in bed between 9 and 9:30 pm each night, this means we easily obtain 7-8 hours of good sleep before we start all over again.  A good night’s sleep is important for your body to refuel and repair.  It’s directly tied into your mood, weight, stress levels and energy.  Get some good rest.

I know this really sounds like a lot, but it all falls into place easily.  I’ll be writing more about bullet journals in the future, but keeping these are a wonderful way to stay organized.  It also helps me to remember what I did several days back.

Enjoy, and until next time.

Mrs. Kay Lynn Rice

Christmas Cards

Bear with me with me on this little blog post.

I miss getting Christmas Cards.  Oh, I get plenty on social media, you know, the generic ones with snow and a dancing snowman.  What I miss is real, paper, delivered by the postman, Christmas Cards.  I miss birthday cards, letters and stuff in the mail other than bills and ‘junk’ mail.  I miss Carolers coming to the house and singing.  I miss singing traditional songs at Christmas.  In fact, here lately I cringe at some of the Christmas songs I hear on the radio.

carolers

I miss the celebration, the deliberation and the honesty behind all of the things now deemed old-fashioned or out-dated.  Perhaps I’m out-dated, don’t care, I am am who I am.   I admit I have fallen into the techno mentality myself, I’m working on a computer as I write this right now.  But what really hit me was when I sent a text to my husband, who was downstairs, last night as I was upstairs in my office.  REALLY???? NO!  At that moment I wanted to throw my cell phone out the window.   Honestly, I almost cried.  Why?  Because I consider myself very blessed to have a very close, honest and loving relationship with my husband, and the last thing I want is to put technology between us.

I woke up early this morning, with a lot on my heart and mind.  I spent extra time in prayer over a morning cup of coffee and I am almost finished with my Christmas Cards.  I sat this morning putting in a letter in each one to be sent to family and friends who I rarely hear from anymore, but still, it’s a Christmas Card and it will be delivered through the postal service and I hope it brings a smile.

Take the time to sit down and play a game WITH a person AT a table and enjoy each other’s company.  Take the time to write a letter and send a smile to someone.  Most of all, unplug.

Until Next Time,

Mrs. Kay L. Rice

The Secret to Happiness

There is one simple step that I have found that leads to happiness.  Acknowledge that happiness does not rely on a person, place, thing or even a circumstance.  It depends on your choice.  Yup, its that simple.  It all depends on how you look at everything, how you react to situations and people.

It seems more and more the ‘world’ pushes that happiness can only be gained by being tied to things, people, position and money.  Prestige and placement in life are preached to our children so heavily at a young age that it’s no wonder we are seeing so much depression and and stress in our youngins.  The constant flood of being plugged in is always screaming at us what the world says we have to be, have to do, have to go.  It’s time to turn it off.  School is important but college is not a necessity.  There is nothing wrong with having a career based on skill and talents, working with your hands or with the land.  Technology has its uses, but more often than not, it seems to have more misuses.

Here are some basic rules for embracing the now, for finding happiness.

  • Live well beneath your means.
  • Don’t give away what you can’t give at home.
  • Return everything you borrow.
  • Serve with your talents and your heart, not out of obligation or guilt.
  • Stop blaming other people for your bad choices.
  • Pray Daily (sometimes every second if need be).
  • Have daily walks and talk with God.
  • Admit it when you make a mistake.
  • Give unworn clothes to charity.
  • Give outsized clothes to charity.
  • Do something nice for a total stranger (and don’t post it on social media).
  • Listen more; talk less.
  • Find a reason to be outside.
  • Strive for excellence, but not perfection.
  • Be on time.
  • Don’t make excuses.
  • Organize your day in the morning.
  • Don’t argue or insist on being right or having the last word.
  • Be kind to unkind people.
  • Let someone ahead of you in line.
  • Take time to be alone with God.
  • Always incorporate good manners.
  • Don’t lie.
  • Be humble.
  • Realize and accept that life is not fair, but it is all in God’s plan.
  • Enjoy your time for rest and sleep.
  • Know when to keep your mouth shut.
  • Practice not criticizing others.
  • Turn the TV/Computer/phone off.
  • Learn from the past.
  • Live every day to its fullest.
  • Always give a kind word.
  • Make due with what you have.
  • Focus on the good, not the bad.

Happiness is how you view your life.  I like to tell people that every day is a good day as long as I wake up and my feet hit the floor and my face doesn’t.  I figure that leaves the rest of the day wide open for great things to happen.

Until Next Time,

Mrs. Kay L. Rice

 

Living Simple

The one thing that can be the most difficult in today’s world is to not be wrapped up over money.  We are bombarded continuously from all sides on wants over needs and blurring those lines. We are told self is a top priority and that things and money are the path to happiness.  The world lies.  You can not fill emptiness with things, only Christ can fill emptiness. 

I was told today that simple living can not be achieved in today’s world.  I’m here to tell you that it can.  Simple living and being frugal doesn’t mean loosing; it allows you to gain the important things in life.

Collect Change

Keep a change jar on your dresser.  Pennies, nickels, dimes they all add up.  When your jar gets full don’t take them to one of those change machines in the stores because they cost you money to count and sort YOUR money.  Banks still do this for free.  Put the money directly into a savings account.

Live Below Your Means

In short don’t max out your paycheck.  No matter how much or little you make find ways to tighten your belt.  When you get a bonus, overtime pay, tax return whatever it is put it “away” in a savings for later or use it to pay down bills.  Make a monthly budget and intentionally set aside 10% of your regular pay for savings. Of course the first 10% goes to tithing.  Keeping the purpose of purchases for need instead of want.

Save for the big things

There are many things that need to be saved for and even have loans.  That’s life. But knowing this and preparing for it by not wasting your money will help avoid anxiety and arguments.

Second Hand

I love my second hand stores and I’m not ashamed to admit it! The cost savings here is amazing and you can find some amazing treasures.  Clothes, books, furniture the list goes on.

Eat at Home/Pack Lunches

Eating out is expensive and most of the time isn’t really good for you.  Save a trip to a restaurant as a special treat not a go-to.  When you travel, pack picnic meals.

Kick The Starbucks Habit

Any drink at Starbucks can be made at home and without the loads of sugar.  You can gain back alot of money not stopping at Starbucks.

Buy In Season or Bulk

I preach this one all the time.  If you don’t can, then freeze.  Canning however is a skill well worth learning and can save you lots of money.

Cut The Cabel

You don’t need Cabel anymore with services like Netflix and Hulu.  But also if you pull away from filling your time with TV and such you’ll find yourself filling your time being more active instead of watching more TV.

Grow a Garden

Start small and start to enjoy your own fresh produce.

These are just a few ideas to trim your expenses.  Living simple.

Until next time,

Mrs. Kay L Rice

Winter is Coming… Preparing your Pantry

The purpose of home canning and meal prepping is to prepare for times when fruits and vegetables and meats are not as abundant naturally.  When an item is in season, it is more abundant and less expensive, this is the time to prepare for winter, especially when you live in the northern and Midwest areas.  Winter can be harsh.  We believe in canning what is in season, naturally, to help with budget costs, health benefits and being more ‘God sufficient’ than man sufficient.  The other side point to preparing and budgeting your food storage is to better understand what a REAL portion of food is.  America has gotten really bad at ‘super sizing’ and over convenience everything.  We’ve gotten into the mindset of “getting our money’s worth” instead of planning and looking at what our body needs.  The sugar and preservative addictions are just as bad as the “bad addictions”.  Look at the rise of obesity, health issues, enabling etc.  If we are stressed, we head strait for the candy jar, if a child is crying we hand them a sweet treat.  I could go on and on about this subject, because I myself suffer from stress eating and weight issues.  I come from a long line of Southern Cooks.  I love my butter, gravy and I melt with Shrimp and Grits.  Which is all fine, IN MODERATION.

But, back to preparing your pantry.  Each year it is essential to take stock of what your family will need for the upcoming year until the next season arrives with more goodies.  Also knowing crop rotation years help too.  One year may be a great corn year, the next nothing.

Now the big thing I want you to really take notice of is the PORTION of each item.  If we ate this way, I’m willing to bet, the weight loss programs out there would loose a lot of money and we would have more in our savings!

The Canner’s Pantry Planner:
Food Times/Week Serving Jars/Person Jars/Family(4)
Meats, Poultry, Fish 4x week, 36 weeks 1/2 cup 36 Pints 144 Pints
Soups 2x week, 36 weeks 1 cup 18 quarts 72 quarts
Jams, Jellies, Preserves 6x week, 52 weeks 2 tablespoons 40 1/2 pints 160 1/2 pints
Relishes 3x week, 52 weeks 1 tablespoon 5 pints 20 pints
Greens, carrots, sweet potatoes, winter squash 4x week, 36 weeks 1/2 cup 18 quarts 72 quarts
Pickled vegetables 2x week, 52 weeks 2 1/2 tablespoons 13 pints 52 pints
Juices and Tomatoes 7x week, 36 weeks 1 cup 63 quarts 252 quarts
All Other Fruits and Vegetables 14x week, 36 weeks 1/2 cup 76 quarts 304 quarts
Pickled Fruits, Pickled Eggs 2x week, 52 weeks 2 1/2 tablespoons/ 1 egg 13 quarts 52 quarts

Did you slightly freak out over the portions? Puts things into perspective doesn’t it? Here is the thing I have discovered, when you utilize the mentality of using what you have on hand, you waste less, you eat less, and you have that pride of providing. It’s amazing how the world’s perspectives dissolve when you start living like this.

There are other items to consider as well, the meat covers what you should have in your freezer as well as canning, but there are dry goods to consider:  Flour, Sugar, Baking Soda/powder, yeast, dried beans, rice, powders.  Then your wet goods such as honey, syrups, molasses.  Also your perishables, eggs & milk.  There is also cellar storage to consider, potatoes, sweet potatoes, hard squash, apples.  But all in all the portions stay the same.  Now my favorite:  Cheeses.  I love real cheese, love it!  But a portion is only 2 ounces.  That’s the size of 2 dice.

I credit the knowledge of this from my Grandma Inez and my go to book “The Encyclopedia of Country Living” by Carla Emery.

So learn to enjoy and appreciate what you have and you will find that your body and your savings will thank you!

Enjoy and let me know of your thoughts.

Until Next Time,

Mrs. Kay L. Rice

IMG_20170819_081831646

 

Budgeting 101: An Honorable Responsibility

All members of a household hold a responsibility to be financially reliable.  But for a wife, it is crucial. One of my very favorite scriptures is Proverbs 31:10-31 and it lays it out very clear on what we are to do as the woman of the household.

FB_IMG_1501016619130

Proverbs 31:10-31New International Version (NIV)
Epilogue: The Wife of Noble Character
10 [a]A wife of noble character who can find?
    She is worth far more than rubies.
11 Her husband has full confidence in her
    and lacks nothing of value.
12 She brings him good, not harm,
    all the days of her life.
13 She selects wool and flax
    and works with eager hands.
14 She is like the merchant ships,
    bringing her food from afar.
15 She gets up while it is still night;
    she provides food for her family
    and portions for her female servants.
16 She considers a field and buys it;
    out of her earnings she plants a vineyard.
17 She sets about her work vigorously;
    her arms are strong for her tasks.
18 She sees that her trading is profitable,
    and her lamp does not go out at night.
19 In her hand she holds the distaff
    and grasps the spindle with her fingers.
20 She opens her arms to the poor
    and extends her hands to the needy.
21 When it snows, she has no fear for her household;
    for all of them are clothed in scarlet.
22 She makes coverings for her bed;
    she is clothed in fine linen and purple.
23 Her husband is respected at the city gate,
    where he takes his seat among the elders of the land.
24 She makes linen garments and sells them,
    and supplies the merchants with sashes.
25 She is clothed with strength and dignity;
    she can laugh at the days to come.
26 She speaks with wisdom,
    and faithful instruction is on her tongue.
27 She watches over the affairs of her household
    and does not eat the bread of idleness.
28 Her children arise and call her blessed;
    her husband also, and he praises her:
29 “Many women do noble things,
    but you surpass them all.”
30 Charm is deceptive, and beauty is fleeting;
    but a woman who fears the Lord is to be praised.
31 Honor her for all that her hands have done,
    and let her works bring her praise at the city gate.

What does this have to do with budgeting?  Well, it pretty much puts it right there in black and white, we are to manage our households.  Not by wasting, being lazy, nagging, passing blame or wasting away funds on frivolous things, or adorning ourselves in the latest of fashions.

This is a pretty big responsibility over all, if you think about it.  The world tells us all these pretty little lies to get us to spend when in reality, we are to be mindful and manage wisely.  Our beauty comes from within and from honest work and care and wisdom.

Here are some things to be aware of and put into practice:

  • Think first, never impulsively.  Is the item a Want or is it a Need?
  • If it is a need, what is the priority?  Be honest, talk about it with your spouse or accountability partner.
  • Save that change.  I use an old coffee can that I throw my pennies and change in, it does add up!  (Plus I use it for weekly egg money to pick up our fresh eggs.)
  • Plan your meals!!!!  It really doesn’t take long, meal prepping will become a habit in no time.
    • Plan at least 2 weeks in advance work your way up to a month at a time.
    • Cut down on quick runs to the grocery store.
    • Meal Prep
  • Buy in bulk in season and learn to freeze, can and dry food.
  • USE COUPONS!  Now days it’s fairly easy to use apps on your phones.  My favorite is ibotta!
    • Go to https://ibotta.com/
    • Download the app for your phone.
    • Feel free to use my referral code: phjhroe
    • Earn cash that you can put in your account from coupons, and shopping you have to do.
  • Resale!  Whether buying or downsizing!  Use the MarketPlace app on Facebook or go to your local resale shop!
  • Plan a No Spend Month!  I will be writing more on this in the future.
  • Choose to fix meals at home instead of eating at restaurants or fast food.  Your body and your wallet will thank you!
  • You don’t need a gym!!! Find activities that keep you active that you enjoy! Walk, bike, fish, garden… you get the idea.
  • Buy Local and find your local farmer’s markets.  You are helping them, they are helping you.
  • Use your talents to bring in extra money.  I love etsy.com!  Do you cook? Crochet? Knit? Sew? Write? Garden?
  • Cut the cable cord!  There are many ways you can spend your time without the TV, but if you do need it, antennas and internet can fill that void.  In the meantime, enjoy a board game with your spouse and or kids.
  • Make it a goal to be “God Sufficient”.  Meaning, don’t put the priorities of the world before the priorities of the Lord.
  • Most of all, pass these down to your children and your children’s children.  Give them the wisdom of how to budget and be responsible to avoid the pitfalls of being foolish.

Until Next Time,

Mrs. Kay L. Rice

 

Meal-Prepping: Chicken or Eggplant Parmesan Casserole

The month of July has been a very busy month.  Our class unfortunately was cancelled due to everyones schedules. But I wanted to make sure these very simple and yummy recipes got in your hands.

The same ingredients can be used for both the chicken or the eggplant parmesan. Substitute one for the other.

Ingredients:

  • 2-4 frozen lg boneless skinless chicken breasts or 1 medium eggplant sliced thick.
  • 1 28 ounce can of crushed tomatoes
  • 1 tbsp dried or fresh basil
  • 1 tsp minced garlic
  • 1/4 tsp black pepper
  • 2 cups shredded mozzarella cheese (Optional)
  • 1/4 cup Parmesan cheese
  • 2 tbsp olive oil
  • 1/2 cup breadcrumbs (OR 2 cups of rice krispies)
  •  1 gallon bag
  •   1 quart bags

Directions:

  1. Write the name of your recipe on the gallon bag as well as cook 8 hrs low.
  2. On the small bag write ‘Toppings’.
  3. Put your bread crumbs or crushed rice crispies in the small bag, add your Parmesan cheese and squish it through. If you want mozzarella cheese add it in this bag as well.
  4. Seal pushing out all air and set aside.
  5. Put your frozen chicken 🐔 or sliced eggplant in the big bag.
  6. I also will sprinkle fruit fresh or a little lemon juice on the eggplant to prevent Browning.
  7. Now add in your basil, garlic, pepper, olive oil and tomatoes over your chicken.
  8. Carefully add your topping bag on top.
  9. Seal pushing out the air.
  10. Put in the freezer.

Day before cooking, that in the refrigerator.

Day of cooking. 

  1. Carefully remove topping bag, set aside.
  2. Dump contents of the large bag into your Crock-Pot. I use my casserole Crock-Pot for this recipe.
  3. Evenly spread everything out.
  4. Sprinkle the contents of the topping bag over top.
  5. Cook on low for 7-8 hrs.
  6. NOTE: You can also wait to put your toppings on about an hour before serving.
  7. Serve over pasta if you like.

Enjoy!

Until next time,

Mrs. Kay L Rice

Meal-Prepping: Maple Glazed Chicken

Crock-Pot cooking and meal prepping doesn’t need to be tedious and boring.  The idea is to plan ahead so you can enjoy meal time.  Here is a very quick and delicious meal.

Ingredients:

  • 4-5 chicken breasts
  • 1 cup of Dijon or Spicy brown mustard
  • 1/2 Cup of REAL Maple Syrup
  • 2 tablespoons of red wine vinegar
  • 2 cloves garlic thin sliced
  • 1 gallon freezer bag

Directions:

  1. Write on the bag Maple Glazed Chicken with your date. Also write 8 hours low.
  2. Put your frozen chicken 🐔in your bag.
  3. Add in all of your ingredients and squish the bag to cover the chicken.
  4. Seal bag pushing out as much air as possible.

Day before cooking that in the refrigerator.

Day of cooking put contents of the bag in your Crock-Pot.  I use my shallow casserole Crock-Pot for this recipe.  Cook for 8 hours on low.

Enjoy!

Until next time,

Mrs. Kay L Rice

Popsicle Drip Catchers

Don’t you just love summer!  And the best part is when you give the kids treats they get to take them outside to enjoy them!  However, it also means that the kidlets will come back inside covered in ice cream and Popsicle more than usually what they got inside of them.

There are many gadgets on the market, but why spend extra money when all you need is two cupcake cups.  Yup, two cupcake cups.

Simple stack them into each other, and put a tiny little slit in the middle and slip the popsicle/icecream treat stick through the cut.  Just like that you have a really cool (ha ha pun intended) mess prevention tool!

popsicle

Enjoy!

Until Next Time,

Mrs. Kay L. Rice

 

Clean up time!

Have you noticed in today’s world we attempt to surround ourselves with THINGS to TRY to make us happy?  Then all of those things actually add to our frustration and stress level because we have to upkeep, replace, fix or find room to store them… which means more money because we have more things.   We need a bigger house to put more things in it, and then we need more things to put in the bigger house.  Then we become more stressed because the things we thought would make us happy are now stressing us out because we have less money to take care of everything we need to take care of.

So first, I’m going to suggest to you a wonderful program to take, its called Dave Ramsey’s Financial Peace.  Look it up.  It will guide you to debt recovery without loans and how to simplify your life.  What I like best about it is this:  IT’S SIMPLE COMMON SENSE!  Nothing extreme, well it may see extreme to begin with, and lessons my own grandparents handed down to me.  In short, if you don’t have the money, don’t buy it!

But what about if you are starting out?  What if you have that room, basement, closet or garage that has become a nightmare of junk storage?  Well, you actually have an opportunity to benefit from all that junk.  Take a deep breath and take a cleaning day and sort three “piles”:  Keep (this is your smallest pile); Donate and Sell.   Some of your Sell items may move into your donate pile if they don’t sell.  Donations can also be a tax write off in some instances, so keep those donation receipts.  The sell items are your golden ticket.  List these on neighborhood sights, ebay, post them on a church or recreation bulletin board, etc.  Please be careful when doing this.  You can also resort to the old fashioned garage/yard sale.  Use the Money that you gained in all of your sold items and apply it directly to your smallest debt (loan, credit card, medical bill).  Don’t even think about using it for a pizza night!!!  (We will touch on that at another time.)

The result:  Less junk = less stress = more room = less debt.

There is a huge difference between wants and needs in this world, and quite honestly we really don’t “NEED” that much to be happy.

So, here is your homework.  Find a room and get cleaning.  I’d love to hear your stories.

Until Next Time,

Mrs. Kay L. Rice