Financial

  • Intentional Living: Weekly Goals

    It was great having the girls are out of school and Jake with a few days off recently.  We were able to enjoy some extra time together relaxing, playing, and just having fun.  I am going to try to keep it short again because we have a little bit of time off together and once everyone is back on their “regular” schedule I will be working on getting caught up from our family vacation time.

    Here is the update on last weeks goals:

    Family Goals

    1. Spend 1-on-1 time with each child everyday
    2. Read a book to the girls everyday
    3. Spend extra time with my family while the girls are on Christmas Break!

    Personal Goals

    1. Exercise – walk at least 5 days this week – really need to get in gear on this one
    2. Listen to The Prodigal Son audiobook from Denise

    Home Management Goals

    1. All laundry for the week washed, folded, and put away in one day

    Business Goals

    1. Pay all bills that come in the mail this week
    2. Work on ideas for upcoming blog posts

    Ministry Goals

    1. Email our weekly Community Group update including upcoming events on the calendar, praises, and prayer requests – somehow this one slipped through the cracks with us taking a break for the Holidays, although I did send out a prayer request.

    Financial Goals

    1. Stay within Budget on Groceries $40 for 4
    2. Pay off remaining debt – working on it, set up the budget and plan on finishing this up

    Here are my goals for the upcoming week:

    Family Goals

    1. Spend 1-on-1 time with each child everyday
    2. Read a book to the girls everyday
    3. Spend extra time with my family while the girls are on Christmas Break!

    Personal Goals

    1. Exercise – walk at least 5 days this week
    2. Listen to Dumping Debt by Dave Ramsey

    Home Management Goals

    1. All laundry for the week washed, folded, and put away in one day

    Business Goals

    1. Pay all bills that come in the mail this week
    2. Work on ideas for upcoming blog posts

    Ministry Goals

    1. Email our weekly Community Group update including upcoming events on the calendar, praises, and prayer requests

    Financial Goals

    1. Stay within Budget on Groceries $40 for 4
    2. Pay off remaining debt

    I think it is important to share and encourage each other as we seek to improve our lives and the lives of those around us.  I want to live intentionally not just hope all my dreams and goals come true.  When I focus on small steps of improvement I am able to see results as I get closer to my goals.  Some weeks I get closer to the goals I have in my life and other weeks a take a few steps back (life happens, emergencies occur, people get sick).  Once the goals are written down and shared it provides a guideline for what I aim to accomplish this week.

    Why Share My Goals?

    • To keep me accountable
    • To share a piece of my life with you as I strive to be a better Child of God, Wife, Mom, Friend, Homemaker, Entrepreneur and the many other roles I have each week
    • To have my goals consistently written down so I can gauge progress more accurately
    • Create healthy habits in my life
    • To encourage you to share your goals with me as you continue to grown and learn

    How did you do this week on your goals?  Feel free to share or link to your list of weekly goals.

    The picture above is one that I created for my own purposes, however, The “SMART” acronym was originally coined 30 years ago by Peter Drucker in his classic work, Management by Results

  • Pampers Gifts to Grow – 5 Free Points

    You can receive another 5 free points from Pampers with a new Gifts to Grow code!

    This code is different from the previous codes I have given.

    Use Code:  TWITVJB16CD2011

    The code didn’t have an expiration date but they usually expire in a few days so be sure to add it to your account soon!

    You can save up the rewards to purchase gifts!

    For more information about the Pampers Gift to Grow Program and how you can start earning Pampers “Gifts to Grow” Rewards for your family go to Pampers Gifts to Grow!

  • Living on a Budget: Groceries $40 for 4

    It was a busy week but in between appointments I was able to make it to a couple stores.  I was able to stay under budget and stock up on some goodies, including produce and diary products!  Here is my weekly update on our Groceries $40 for 4.

    Groceries from Ingles and Save A Lot | RiteAid

    Ingles Groceries:

    • $10.03 at Ingles for 1 fresh Coconut, 1 container fresh Celery, 1 container fresh Mushrooms, 1 container fresh Cherry Tomatoes, 1 bag fresh Oranges (4 lbs), 1 package Summer Sausage (Everything I bought this week at Ingles was on sale, marked down, or on clearance except the summer sausage which was a special treat I bought for my husband this week.  All the produce including the bag of oranges were marked down to 99 cents!)

    Save A Lot | RiteAid Groceries:

    • $22.74 at Save A Lot | RiteAid for 1 bag Bagels, 1 box Poptarts, 1 container Country Crock Spread, 1 box Mrs Freshley Chocolate Cupcakes, 1 container Cool Whip, 1 box Tropical Jr Pops, 2 boxes Yogurt Tubes, 4 cans Cream of Mushroom, 1 container Parmesan Grated Cheese, 1 can Pinneapple Chunks, 1 jar Salsa, 1 two liter Orange Crisp, 1 gallon Milk, 1 bag Carrots, 1 bag Grapefruit (3 lb), and 1 box Cream Cheese.  (All the items were on sale or clearance plus I used a couple of coupons!  The bagels, Mrs. Freshley Cupcakes, Tropical Jr Pops, and Yogurt Tubes were marked down to clearance “special today” prices.)
    Groceries, Household Items, & Other Goodies from Walgreens

    Walgreens Groceries:

    • $0.49 at Walgreens for the grocery items – 4 boxes Baking Soda and 3 bags Chewy Spree Candy.  (The total for this entire purchase was $2.06 including tax for 30 items making it $0.07 per item which is how the 7 groceries items cost $0.49 at Walgreens this week.)
    Groceries from Kmart

    Kmart Groceries:

    • $1.50 at Kmart for 1 box Saltines, 1 pack Orange Gatorade, and 1 box Ritz Crackers.  (Jake ended up getting sick this week so on my way home from a work appointment I stopped by Kmart to pick up some stuff for him.  Thankfully, I had a $5 Kmart Gift Card and all the items were on sale this week at Kmart).
    Groceries, Household, Baby, Beauty and Gift Items from CVS

    CVS Groceries:

    • $0.21 at CVS for the grocery items – 1 loaf Sara Lee Whole Wheat Bread, 1 loaf Sara Lee White Bread, and 1 box Candy Canes.  (The total for this entire purchase was $3.16 including tax for 42 items making it $0.07 per item which is how the 3 groceries items cost $0.21 at CVS this week.)

    This week I spent $34.97 on groceries.  Even though I was only a little under on my budgeted amount for the week I was able to stock up on some items at the same time.  I did not anticipate my husband being sick but we had enough flex in the budget and hit the sales to cover the extra expense.  I hope that next week is better week and we can come under budget!

    It is my goal to give you regular updates on this budget section so you can celebrate the good weeks with me and thump me on the bad weeks!  As always you are welcomed to join the journey with me.  I would love to hear your story and how you are doing too.  The purpose of our family doing this it to watch our grocery spending while allowing us to feed our family, enjoy life, share with others, and yet stay on track with our budget.

    Living on a Budget is a series of ways our family uses a budget to help keep us accountable with our finances.  Life doesn’t always go as planned.  We have used some of the ideas I will be sharing for years while others are ones we are just starting to implement as we continue finding ways to be creative and have fun with what we have been given.  Having a plan in place allows us the freedom to be smart with what we have been given, get more creative when it is a tight (week, month, year or a season) and when necessary live a much more simplified life.  A budget helps us stay on track so we have more opportunities to enjoy the many blessings we have been given as well as share what we have with others.  There is so much more to life than having all the stuff.  We may not have the newest or greatest items in our house, we drive used cars, and wear hand-me-down clothing…..however, if our family is taken care of and have love for each other and others we have more than all the riches in the world.

  • CVS: Spent $3 and $12 ECB’s Back

    Groceries, Household, Baby, Beauty and Gift Items from CVS

    I went to CVS on my way home from an appointment this week.  The CVS had a bunch of cosmetic items marked down 50% to 75% off.  I was able to get the items pictured above for $3.16 including tax and received $12.00 ECB’s to use on my next CVS purchase.  Today I used some store, manufacturer coupons and ECB’s to help pay for the purchase.

    You can get great deals even without clipping a lot of coupons.  My receipt shows that as of December 6th I have saved over $2,000  at CVS this year (and I don’t even go every week) so you can do it without investing a lot of time into it or being an extreme couponer that empties the shelves.  Over time the savings add up and I have even taken several weeks off here and there while I have been busy or traveling or when our stock pile is full.   All of the items I purchased were on sale or clearance.  Here is what I purchased this week.

    • 1 – Cherry Candy Canes (10 count) for $1.27  (FREE plus overage after ECB’s because the Extra Care Bucks did not print when I checked so I ended up getting $2 ECB’s for this item.)
    • 1 – Ali Deep Brown Brow Definer for $1.19 (on clearance for 75% off)
    • 3 – Lip Smacker Lip Gloss (Clear) for $2.46 ($0.82 each after 75% off clearance, perfect for stocking stuffers)
    • 10 – bottles Confetti Nail Polish for $8.20 ($0.82 each after 75% off clearance, another great stocking stuffer)
    • 11 – bottles Sally Hansen Xtreme Wear Nail Polish for $9.02 ($0.82 each after 75% off clearance)
    • 1 – Sally Hansen Fingernail Clippers for $1.37 (after 75% off clearance)
    • 3 – Wet & Wild Mega Silk Glossy Apple for $2.97 ($0.99 each after 75% clearance)
    • 1 – Wet & Wild Mega Silk Glossy Berry Burst for $0.99 (after 75% clearance)
    • 1 – Wet & Wild Liquid Lip Color Coco for $0.99 (after 75% clearance)
    • 1 – Huggies Supreme Diapers Size 1 (40 count) for $9.49 (received a $1.00 ECB)
    • 1 – Sara Lee Whole Wheat Bread for $0.57 (on clearance)
    • 1 – Sara Lee White Bread for $0.57 (on clearance)
    • 4 – American Greetings Cards for (used store and manufacturer coupons and received $3.00 ECBs)
    • 1 – Revlon Deluxe Clipper Set for $2.99 (received $6.00 ECBs)
    • 1 – Revlon Valupak Emory Boards for $3.59 (received $6.00 ECBs)

    Here are the coupons I used on the items.

    • Used $5.00 off $20.00 Coupon from CVS Kiosk
    • Used $0.99 CVS coupon from Kiosk for a free American Greeting Card
    • Used $2.00 manufacturer coupon for American Greeting Card
    • Used $3.00 CVS coupon for Huggies
    • Used $2.00 manufacturer coupon from Huggies
    • Used $1.00 manufacturer coupon from Revlon
    • Used $5.00 CVS Beauty Club Reward Coupon
    • Used $25.99 CVS ECB’s

    I received $12.00 ECB’s back today:

    • $6.00 ECB’s for Revlon Products
    • $3.00 ECB’s for American Greeting Cards
    • $2.00 ECB’s for Candy Canes
    • $1.00 ECB’s for Huggies Products

    Today I was able to save $109.01 at CVS by purchasing these items and using coupons.

    Here are some more up close pictures of the products I was able to pick up.

     

    CVS had a lot of cosmetic items on clearance for 50% to 75% off

    Was able to get 2 loaves of Sara Lee Bread for $0.57 each on clearance!

    When you shop the CVS sales regularly and have ECB’s that you can roll over toward future purchases the bonus ECB’s start adding up (Green Bag Tags and Beauty Club).  As you can see from my shopping trip today you don’t have to purchase a lot to save money when shopping at CVS.  Plus you can use the additional ECB’s you receive towards your next purchase.  You can pick and chose what is best for your family.

    I would love to hear your CVS shopping story for this week!  For those of you who shop regularly at CVS please share how you were able to save this week!  Although the weekly ad sales are similar every family and situation is different so you may have found items better suited to your household.  In your comment please feel free to share a link to your blog article showing us how you were able to save shopping at CVS.

  • Walgreens: Spent $2 and Got $6 Back

    Groceries, Household Items, & Other Goodies from Walgreens

    I ran by Walgreens on the way home from an appointment this week to use up a couple coupons that were about ready to expire.  I spent $2.06 including tax at Walgreens this week for grocery, household, health and beauty purchases and received $6 Register Rewards back from that visit to use towards my next purchase at Walgreens.

    Here is what I got this week:

    • 4 – Nice Baking Soda for $2.00 ($0.50 each after coupon)
    • 2 – Dove Deodorants for $3.99 (received $3 Register Rewards.  Also, I was able to get 2 because there was a BONUS pack that included 2 full size deodorants in it making it an even better deal. Yay!)
    • 1 – Revlon TopSpeed Nail Polish for $3.99 (received $3 in Register Rewards back.)
    • 9 –  Snowman Tumbler Cups for $1.49 ($0.16 each after coupon)
    • 2 – Nice Wax Paper (75 feet) for $1.98 ($0.99 each after coupon)
    • 1 – Reynolds Aluminum Foil (20 feet) for $0.99 (each after coupon)
    • 4 – Wexford Tape (450 inches) for $2.38 ($0.59 each after coupon)
    • 3 – Nestle Chewy Spree Candy for $0.75 ($0.25 each after coupon)
    • 2 – Red Sharpie Markers for $0.58 ($0.29 each after coupon)
    • 2 – Green Sharpie Markers for $0.58 ($0.29 each after coupon)

    The total was over $36 with tax before using discounts & coupons.  Here are the coupons I used on the items.

    • Nice Baking Soda Coupons
    • Snowman Tumbler Coupons
    • Nice Wax Paper Coupons
    • Reynolds Aluminum Foil Coupons
    • Wexford Tape Coupons
    • Nestle Chewy Spree Candy Coupons
    • Sharpie Markers Coupons
    • Used $17 Register Rewards

    I received $6 Register Rewards back today:

    • $3.00 Register Rewards for Dove Product
    • $3.00 Register Rewards for Revlon Product

    Walgreen’s Register Rewards will expire two weeks from the date they are printed so you will need to make sure to use them before their expiration date.  I always keep the ones that are expiring the soonest on top of the stack to make sure to use them first.

    Another important fact regarding Walgreen’s Register Rewards you will need to know if you haven’t used them before is you can only use 1 coupon per item.  If you use a manufacturer’s coupon for every item you are purchasing you will not be able to use any Register Reward for that transaction.   If you do have a coupon for each item then check Walgreen’s weekly ad because they will have items on sale each week for pennies up to $1 that you can use as “filler” items but they won’t raise your total too much.  Once you get started using coupons and rewards you may discover, like I did, how to purchase many of your health and beauty items for nothing or very little.  Since using coupons and reward programs I rarely pay full price for any of our health and beauty items plus I usually have extra to share with guests visiting us or to give away.

    For those of you who shop regularly at Walgreens I encourage you to share how you were able to save this week!  Although the weekly ad sales are similar every family and situation is different so you may have found items better suited to your household.  In your comment please feel free to share how you saved at Walgreens (links to your blog article on how you saved are welcomed as well).

  • Book: “Money Savings Mom’s Budget” by Crystal Paine

    I had the privilege of reading a preview copy of Crystal Paine’s first book “The Money Saving Mom’s Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year” which will be released on January 10, 2012!  I have been following Crystal’s blog Money Saving Mom for several years now and was thrilled to receive a copy of her new book to review.  As I expected the book was full of practical advice on life, home management, and finances.   Crystal discusses tips and resources that have worked well for her family as well as some of the challenges she has experienced along the way.

    In the book Crystal shares a step by step process to financial success through seven rules:

    • Rule #1 – SET BIG GOALS AND BREAK THEM DOWN INTO BITE-SIZED PIECES
    • Rule #2 – STREAMLINE YOUR LIFE AND CUT THE CLUTTER
    • Rule #3 – SET UP A REALISTIC, WORKABLE BUDGET
    • Rule #4 – TAKE THE CASH-ONLY CHALLENGE
    • Rule #5 – USE COUPONS
    • Rule #6 – NEVER PAY RETAIL
    • Rule #7 – CHOOSE CONTENTMENT

    She has these rules broken out over 12 months so you can focus on one at a time and within a year you may see amazing results in your personal life as well as with your family finances.   I like that Crystal gives manageable steps for someone starting out and challenges to those who are already practicing some of the principles in her book.  In the back of the book she gives worksheets to help get you started on your goals, priorities, budget, and more.  By making just a few changes you may start seeing positive results in your life right away.

    I wear many hats throughout the week, however, if my priorities and life are a mess I will not have any time or resources leftover to help others.  This book helps you streamline your life, household, and finances so you can be a blessing to your family, friends and to the people around you.  Her quote “Stop trying to do it all” rang loud and clear when I read it.  As women for some reason we feel like we have to be SuperMom or Superwoman yet we often fail because we cannot do everything.  When our priorities are in order we will have the time to focus on things that truly are important.

    Crystal wraps up the book perfectly by addressing her final rule, “Choose Contentment”.  This chapter was my favorite, it is a good reminder to practice contentment in all areas of our lives.  No matter what the circumstances are there is ALWAYS much to be thankful for in my life.  “Choose to bloom where you’re planted – even if it seems like it’s among thorns.”

    I am super excited to see how implementing a few key rules can make a positive impact in my family and hope to share them with you along the way.  The Money Saving Mom’s Budget is a practical, encouraging, and motivating book.  It would be a perfect gift for your Mom friends, graduates, or as a wedding gift.

    The best part…..is that all the profit for the sale of this book are going to Compassion International.  Compassion International is an organization that helps to feed and clothe needy children around the world.  You can pre-order The Money Saving Mom’s Budget by Crystal Paine now at Amazon it’s $11.09 right now, with a price-guarantee that if the price goes down any between when you order and the release date, you’ll get the lowest price. Plus you can get free shipping with your Amazon Mom account.

    Disclosure: I received a complimentary copy of this book for review purposes from the publisher.  The opinions I have expressed are my own. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255 : “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”

  • Living on a Budget: Creative Cash (November Update)

    November is my tenth month tracking my Creative Cash.  What is Creative Cash?  Creative Cash is finding ways to come up with extra cash to share with others as well as work on our current goal.  I am working part time, a stay at home Mom, and wear many other hats from day to day, however, I feel that it is important not only to save money for our family by using coupons and buying items on sale but to earn a little money to help with the extra expenses and to share with others.  The extra amount I bring in on top of the work is what I call “Creative Cash” which means finding ways to make money creatively or with items and talents I have already.  I have tested this goal over the last couple months as I am challenging myself to make my life more simplified.   I plan to continue this goal for the remaining months of the year.  Despite the many financial obstacles that we have faced as a family we have been blessed with so much.  We believe it is important to be accountable with our finances and give to others.

    Explanation: The creative cash will be made throughout the entire month through various endeavors.  As it comes in the money is placed into our savings account and withdrawn at the end of the month so it can be split.  It is my goal to make at least $100 extra a month to help with our goals as well as share with others.  At the end of the month the money will be split 50 / 50 with half going towards our current goal we are working on (which at the moment is paying down debt) and the other half going to charity.

    November was a pretty good month even though it was extremely active in many other areas of my life.  Thankfully I was able to save some extra cash however, I did not reach my my goal of $100.  I want to share with you the ways we did it so if you are looking for ways to make a little extra creative cash for your family hopefully we can be an inspiration in getting your creative juices flowing:

    • $8.96– Items sold on Ebay (after fees):   The all the items sold were coupons.  I encourage you to look around at some of the coupons you get the mail, newspapers, magazines, in your stockpile, or other places and if you will not have the opportunity to use them then consider selling them for a little extra creative cash
    • $44.08 – Other miscellaneous amounts earned  (rebates, returns, cash back,  extra money, etc…) that was added to my stash for the month.

    November’s “Creative Cash” total was $53.04 which means $26.52 extra that goes towards our current goal (paying down debt) and $26.52 goes towards charity.  I have plan of action on ways to earn creative cash in December so stayed tuned, hopefully, it will be another month where we can get closer to our goal and share with others.  Each month I do a variety activities to accomplish this goal, the items above are just the ones I did specifically in November.  I look forward to sharing more of the things that work well for our family as I do them in the upcoming months.

    I will share with you the challenges, successes, and updates as I go through this journey so you can keep me accountable or even go through it with me by participating  and sharing your story. Taking the extra time to find ways to help our family as well as invest in the lives of others is important to us.  I hope that we have been able to encourage you to find ways to come up with some creative cash for your household as well.  Obviously, each situation and family is unique so decide what works for you and go for it!  Do you know of another way to earn creative cash?   I would love to hear your idea!

    Living on a Budget is a series of ways our family uses a budget to help keep us accountable with our finances.  Life doesn’t always go as planned.  We have used some of the ideas I will be sharing for years while others are ones we are just starting to implement as we continue finding ways to be creative and have fun with what we have been given.  Having a plan in place allows us the freedom to be smart with what we have been given, get more creative when it is a tight (week, month, year or a season) and when necessary live a much more simplified life.  A budget helps us stay on track so we have more opportunities to enjoy the many blessings we have been given as well as share what we have with others.  There is so much more to life than having all the stuff.  We may not have the newest or greatest items in our house, we drive used cars, and wear hand-me-down clothing…..however, if our family is taken care of and have love for each other and others we have more than all the riches in the world.

    Photo by StopNLook

  • Intentional Living: Weekly Goals

    Our family had a blast spending some time together for Thanksgiving last week.  I was beginning to wonder what kind of week it would be when we started the week tired and with a little one throwing up.  Thankfully we didn’t have any big travel plans and have gotten past that little spurt of sickness now everyone seems to be on the mend.    Over the Thanksgiving week together we laughed, snuggled, read books, worked on projects, ate delicious food, went shopping, put up the Christmas tree, and just had fun relaxing as well as doing stuff around the house.    I am thankful for a wonderful family and an opportunity to spend some extra time together.

    Here is the update on last weeks goals:

    Family Goals

    1. Spend 1-on-1 time with each child everyday
    2. Read a book to the girls everyday
    3. Have the girls read 1 book to me 5 days this week – didn’t make do it 5 days
    4. Do devotions with the girls every night (sometimes it gets late and we rush to get them into bed) – not quite every night
    5. Spend extra time with my family over the Thanksgiving Holiday

    Personal Goals

    1. Exercise – walk at least 5 days this week – the first half of the week went well
    2. Go to bed by 10:30 or earlier on Monday and Tuesday

    Home Management Goals

    1. Weekly Dinner Menu planned and written by Monday
    2. Spend 30 minutes every day picking up / cleaning the house
    3. Dinner on the table by 5:30 PM (Monday through Wednesday)
    4. All laundry for the week washed, folded, and put away in one day
    5. Put up the Christmas Tree

    Business Goals

    1. Spend 10 minutes a day cleaning and organizing my desk – my desk was buried by the end of the weekend, time with the family took priority
    2. Pay all bills that come in the mail this week

    Ministry Goals

    1. Email our weekly Community Group update including upcoming events on the calendar, praises, and prayer requests
    2. Meet a friend or family member for Breakfast or Lunch

    Financial Goals

    1. Stay within Budget on Groceries $40 for 4 – ahem….this one didn’t happen with birthday and Holidays, my sweet husband did a trip for me which brought it up as well. 
    2. Pay off remaining debt – working on it
    3. Emergency Fund – save 3 months worth of living expenses – on hold until the debt is paid off

    Here are my goals for the upcoming week:

    Family Goals

    1. Spend 1-on-1 time with each child everyday
    2. Read a book to the girls everyday
    3. Have the girls read 1 book to me 5 days this week
    4. Do devotions with the girls every night (sometimes it gets late and we rush to get them into bed)
    5. Get the girls passport pictures taken

    Personal Goals

    1. Exercise – walk at least 5 days this week
    2. Go to bed by 10:30 or earlier on Monday and Tuesday
    3. Finish reading  The Money Saving Mom’s Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year by Crystal Paine who has a blog called Money Saving Mom (VERY excited about the opportunity to preview this book by a blogger I have been following for years and thankful to be featured on her blog weekly with the Save A Lot Deals!)
    4. Listen to the next section of  Desiring God: Finding Complete Satisfaction and Joy in God by John Piper (I am going through this book with my Community Group)

    Home Management Goals

    1. Weekly Dinner Menu planned and written by Monday
    2. Spend 30 minutes every day picking up / cleaning the house
    3. Dinner on the table by 5:30 PM (Monday through Thursday)
    4. All laundry for the week washed, folded, and put away in one day
    5. File the receipts and coupons for the last couple of months.

    Business Goals

    1. Spend 10 minutes a day cleaning and organizing my desk
    2. Pay all bills that come in the mail this week
    3. Work on ideas for upcoming blog posts
    4. Review my 2011 Business Goals and start planning ones for 2012

    Ministry Goals

    1. Email our weekly Community Group update including upcoming events on the calendar, praises, and prayer requests
    2. Meet a friend or family member for Breakfast or Lunch
    3. Make at least $25 towards my Creative Cash goal this week so I can give more to others.
    4. Deliver a meal to a new Mom.

    Financial Goals

    1. Stay within Budget on Groceries $40 for 4
    2. Pay off remaining debt
    3. Emergency Fund – save 3 months worth of living expenses

    I think it is important to share and encourage each other as we seek to improve our lives and the lives of those around us.  I want to live intentionally not just hope all my dreams and goals come true.  When I focus on small steps of improvement I am able to see results as I get closer to my goals.  Some weeks I get closer to the goals I have in my life and other weeks a take a few steps back (life happens, emergencies occur, people get sick).  Once the goals are written down and shared it provides a guideline for what I aim to accomplish this week.

    Why Share My Goals?

    • To keep me accountable
    • To share a piece of my life with you as I strive to be a better Child of God, Wife, Mom, Friend, Homemaker, Entrepreneur and the many other roles I have each week
    • To have my goals consistently written down so I can gauge progress more accurately
    • Create healthy habits in my life
    • To encourage you to share your goals with me as you continue to grown and learn

    How did you do this week on your goals?  Feel free to share or link to your list of weekly goals.

    The picture above is one that I created for my own purposes, however, The “SMART” acronym was originally coined 30 years ago by Peter Drucker in his classic work, Management by Results

  • Intentional Living: Weekly Goals

    I started the week out a little stronger, but still have a lot of areas I need to work on regarding my goals.  Next week I hope to do better.  The good news is I am at least taking small steps in the right direction.

    Here is the update on last weeks goals:

    Family Goals

    1. Spend 1-on-1 time with each child everyday
    2. Read a book to the girls everyday – I didn’t quite get everyday this week
    3. Have the girls read 1 book to me 5 days this week
    4. Do devotions with the girls every night (sometimes it gets late and we rush to get them into bed) we missed two nights 🙁
    5. Start the process of getting the girls passports
    6. Go on Mother Daughter Date Night I had a blast with Karlie! 🙂
    7. File the last several weeks of coupons in my File Folder and Binder – halfway done

    Personal Goals

    1. Exercise – walk at least 5 days this week – more than last week but not there yet
    2. Finish reading  The Five Love Languages of Children by Gary Chapman
    3. Listen to the next section of  Desiring God: Finding Complete Satisfaction and Joy in God by John Piper (I am going through this book with my Community Group)
    4. Go to bed by 10:30 or earlier on Monday through Thursday – I made it a one night.

    Home Management Goals

    1. Weekly Dinner Menu planned and written by Monday
    2. Spend 30 minutes every day picking up / cleaning the house
    3. Dinner on the table by 5:30 PM (Monday through Thursday)
    4. All laundry for the week washed, folded, and put away in one day
    5. Summer clothes pulled out of the main part of the closet and put away (it’s getting chilly and we are not wearing them as much now)

    Business Goals

    1. Spend 10 minutes a day cleaning and organizing my desk – hopefully no one will be looking at my desk today (need to tackle this one daily or it gets overwhelming).
    2. Pay all bills that come in the mail this week
    3. Work on ideas for upcoming blog posts
    4. Research ways to create more residual income – didn’t get there this week
    5. Upcoming events, activities, and posted to my upcoming calendar

    Ministry Goals

    1. Make at least $25 towards my Creative Cash goal this week so I can give more to others. – Made a little over $8
    2. Email our weekly Community Group update including upcoming events on the calendar, praises, and prayer requests
    3. Alms & Legs Ministry – Email Meeting Notes to the Team
    4. Meet a friend or family member for Breakfast or Lunch – Schedules got a little crazy this week, hope to pick back up next week

    Financial Goals

    1. Stay within Budget on Groceries $40 for 4
    2. Close on our Refinance – Our plan is to go from the 30 year mortgage that we have been paying off to a 10 year mortgage with a lower interest rate. – bank has delayed the closing again and had to extend our rate, maybe next week?!
    3. Pay off remaining debt – almost there…..I see the light….
    4. Emergency Fund – save 3 months worth of living expenses – on hold until our debt is paid off completely

    Here are my goals for the upcoming week:

    Family Goals

    1. Spend 1-on-1 time with each child everyday
    2. Read a book to the girls everyday
    3. Have the girls read 1 book to me 5 days this week
    4. Do devotions with the girls every night (sometimes it gets late and we rush to get them into bed)
    5. Get the girls passport pictures taken
    6. Finish filing the last several weeks of coupons in my File Folder and Binder

    Personal Goals

    1. Exercise – walk at least 5 days this week
    2. Finish reading  The Money Saving Mom’s Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year by Crystal Paine who has a blog called Money Saving Mom (VERY excited about the opportunity to preview this book by a blogger I have been following for years and thankful to be featured on her blog weekly with the Save A Lot Deals!)
    3. Listen to the next section of  Desiring God: Finding Complete Satisfaction and Joy in God by John Piper (I am going through this book with my Community Group)
    4. Go to bed by 10:30 or earlier on Monday through Thursday

    Home Management Goals

    1. Weekly Dinner Menu planned and written by Monday
    2. Spend 30 minutes every day picking up / cleaning the house
    3. Dinner on the table by 5:30 PM (Monday through Thursday)
    4. All laundry for the week washed, folded, and put away in one day
    5. File the receipts for the last couple of months and organize the table in the office.

    Business Goals

    1. Spend 10 minutes a day cleaning and organizing my desk
    2. Pay all bills that come in the mail this week
    3. Work on ideas for upcoming blog posts
    4. Research ways to create more residual income
    5. Review my 2011 Business Goals and start planning ones for 2012

    Ministry Goals

    1. Make at least $25 towards my Creative Cash goal this week so I can give more to others.
    2. Email our weekly Community Group update including upcoming events on the calendar, praises, and prayer requests
    3. Meet a friend or family member for Breakfast or Lunch

    Financial Goals

    1. Stay within Budget on Groceries $40 for 4
    2. Close on our Refinance – Our plan is to go from the 30 year mortgage that we have been paying off to a 10 year mortgage with a lower interest rate.
    3. Pay off remaining debt
    4. Emergency Fund – save 3 months worth of living expenses

    I think it is important to share and encourage each other as we seek to improve our lives and the lives of those around us.  I want to live intentionally not just hope all my dreams and goals come true.  When I focus on small steps of improvement I am able to see results as I get closer to my goals.  Some weeks I get closer to the goals I have in my life and other weeks a take a few steps back (life happens, emergencies occur, people get sick).  Once the goals are written down and shared it provides a guideline for what I aim to accomplish this week.

    Why Share My Goals?

    • To keep me accountable
    • To share a piece of my life with you as I strive to be a better Child of God, Wife, Mom, Friend, Homemaker, Entrepreneur and the many other roles I have each week
    • To have my goals consistently written down so I can gauge progress more accurately
    • Create healthy habits in my life
    • To encourage you to share your goals with me as you continue to grown and learn

    How did you do this week on your goals?  Feel free to share or link to your list of weekly goals.

    The picture above is one that I created for my own purposes, however, The “SMART” acronym was originally coined 30 years ago by Peter Drucker in his classic work, Management by Results