Jonathan here. Six of my Illustrated Guides are part of FOCUS’ Lentsanity Campaign. I designed these to help you have a great Lent. Check ’em out:
Your future. Your past. That big decision you’ve got coming up. Work. Holidays. Kids going off to school. Travel. Your living situation. There is no shortage of sources of anxiety and worry and stress in our lives.
What if there was one thing you could do that would affect every aspect of your life and make each one easier? Would you do it?
What if it took a little discipline? A little time? A little saying “no” to one thing so you could say “yes” to another? Would you still do it? Or would you rather keep living a more stressful life?
I hope you’re committed to severely reducing stress and are ready to do this.
The one thing you can do to dramatically reduce the anxiety you feel in every area of your life is:
That’s right. Budgeting your money affects every area of your life for the better and reduces anxiety, worry, and stress. Here’s how:
Budgeting – creating a plan for your money and sticking to it – takes the guesswork and the worry out of your money. And because money touches every part of our lives, when we make money easier and more pleasurable to work with, we make every part of our lives easier and more pleasurable.
- If there are money issues from your past, budgeting helps you clean them up and move on.
- Big decisions to be made? Budgeting gives you the freedom to make the best choice – either by enabling you to save money up or simply using money more wisely – so the best choice – even if it’s something with a financial impact like quitting your job to start a new career – can be made.
- Stressed out because there’s always more cool stuff to do with your family or roommates than there is money to do it with? Budgeting patches the “leaks” in your wallet so there’s more to use AND trains you to prioritize your activities so you can identify and choose what’s most important for you to do.
- Big projects at work got you stressed? Budgeting works your planning muscle, which you’ll be able to flex in all sorts of situations!
Now that you’re sold on the benefits of budgeting (or at least interested), here are some quick tips for getting started:
- Budgeting is easier than you think.
- You can do this.
- It’s a simple income – outflow equation.
- Take the money you have (income) and plan how (groceries, cell phone bill, etc) you’ll spend it (outflow). Your planned spending cannot exceed your income.
- Every month is (slightly) different, so every budget you create should be (slightly) different.
- Birthdays, holidays, and bills that fluctuate (heating bills goes up in the winter) are all things you need to take into account when budgeting for the upcoming month. We’ve created lists of seasonal expenses for each month of the year to help you out.
- Start With Cash
- Be Ready to Say No
- Budgeting helps you set priorities and stick to them, which means it involves saying no to some things (like going out with your roommates, again) so you can do other, more important things (like saving for a car, or paying off debt). Your “yes” to better things will involve “no’s” to lesser things. Be ready. (And don’t feel bad about it!)
- Be Patient
- It’s going to take a little while (3 months or so) to get a good handle on the right amount for your budget categories. Don’t get discouraged in the meantime. And don’t feel bad if you need to adjust your amounts. Just make sure it all evens out. (Adding $10 to one category means taking it from somewhere else).
- Ask for Help
- Getting started with budgeting can be intimidating. Don’t be afraid to ask someone you know who’s been budgeting for a while for help. They’ll be glad to help. You’ve always got our contact form, too.
It’s been an awesome year around True Good and Beautiful.
2015 brought exciting and new opportunities our way, such as guest posting for Dave Ramsey (!!!!) and Mama Needs Coffee among a few others. We also branched into some new content since we were parent newbies (still are, who am I kidding!?) at the start of the year. All in all I am happy to say we continued to blog after Josie’s arrival and I know 2016 will be an even more exciting year around these parts…more to come so stay tuned 😉
Without further ado, here are your favorite blog posts from the past year:
I cannot tell you how many times we’ve received emails from couples wanting to make an adoption puzzle like ours to help offset adoption costs. Jonathan is in the process of setting up an Etsy shop for this very reason so our puzzle can be ordered in a much easier way! We never thought it would bless so many people! 🙂
Groceries continue to be the one category in our budget that we bump up against monthly. Following these three tips helps our family stay on track and not bust the budget.
Praise you Jesus that I got to write a blog post like this…I thought I would never get to while we were battling infertility for years on end.
Our Dave Ramsey blog post brought nearly 25,000 people to the True Good and Beautiful blog in only a few short days! It was exciting and such an honor.
And oldie but a goodie! Here you can follow our debt-free journey on The Dave Ramsey Show and hear about how broke we were when we got married! Hahaha. Even on a low income we were able to obliterate debt…sometimes I look back and am shocked since I don’t think we could do that now.
I am always glad to see this one in the top blog posts for the year. We write about a LOT of topics here on the blog but really infertility is probably the closest to my heart. I am thankful to provide a resource for couples to find quality infertility bloggers to help them in their journey. It’s how I stayed afloat in our battle and I’ll do anything to throw a lifesaver overboard to others in the same fight.
God. Bless. Jonathan. Seriously this past year I had some serious breastfeeding anxieties and he stepped up the plate in a big way. He truly had the heart of a servant and supported me every step of the way. I don’t think Josie and I would still be nursing at nearly 14 months if it wasn’t for him.
Another one I have gotten LOTS of inquiries about from fellow adoptive Mommas. I am so glad that my breastfeeding journey has inspired others and given them confidence to try!
Hands down my favorite blog post from this past year. We have a father who keeps his promises and I only wished I trusted him far more.
Jonathan’s conversion story from his time in college. He was apathetic in his faith and God put a new fire in his heart through some quality friendships.
Happy New Year True Good and Beautiful family!
Much Love from Jonathan, Amanda, Josephine, and Wrigley 🙂
A beautiful season the Catholic Church has given her people to direct their hearts and minds to the ultimate gift – the Incarnation of Jesus Christ at Christmas. It’s designed to be a season filled with prayer, repentance, and most of all a JOYFUL anticipation of Jesus’ arrival.
I think it can be a hard season to fully embrace as a Catholic today.
Why do I think that?
Well, as soon as Thanksgiving is done (who am I kidding, its when Halloween is done) Americans get busy. They start decorating, shopping, feasting, partying, music-ing, etc. to celebrate the Christmas season. The problem is that Christmas hasn’t happened yet. Liturgically, we are supposed to be waiting, reflecting, anticipating, and slowing down to make room in our hearts for the arrival of Christ.
The Christmas season is coming…and all those things should happen.
Just not yet…right? Or can we do them while still waiting?
This is where my husband and I butted heads in a MAJOR way as newlyweds…and if I am being honest we revisit this topic Every. Single. Year.
You see, I want to just go along with what the culture is doing. I want to buy and decorate with ALL THE THINGS, listen to cheery Christmas jingles, host and attend parties, go caroling, bake until my oven breaks, and be so saturated with Christmas that by the time it arrives, I am really really really ready for it. Of course I want to do these things in addition to Advent devotions as well.
I blame it on my melancholic nature…I don’t shift gears quickly or easily so it’s actually hard for me to flip a switch and suddenly become excited about something. I need a buffer time to get excited before the thing actually happens. So in some ways, I NEED to begin the Christmas activities early so that I am actually ready when it arrives, right? 😉
But my better half wants to approach the season a bit differently and if I am being honest, he wants to approach it in a way that is liturgically correct. He wants to wait on Christmas music, decorations, baking, parties…you name it, he wants to wait on it until it’s officially the Twelve Days of Christmas.
Instead he wants to protect and preserve Christmas because it’s sacred and holy. He wants to give our family the gift of well prepared and quiet hearts to embrace Jesus at Christmas. He wants to make sure we haven’t Christmas-ed ourselves out before it even arrives and like the general culture, be done with celebrating December 26th when there are liturgically twelve full days to celebrate.
So this year we’re trying some new things. We’re two adults who respect one another’s opinions and are willing to experiment with how we ought to celebrate as a family. No one is a dictator around our neck of the woods and one person isn’t going to decide our traditions. We will mutually explore options and decide together.
What are we doing this year then?
We are decorating the house in pink and purple for Advent. We’ve got a Jesse Tree devotion we’re doing each evening around the Advent Wreath. We’re spending more time in prayer and plan to go to confession as a family. We’re keeping things simple so we can make room for Jesus at the “Inn” of our hearts. We will switch gears and bust out all the Christmas music, turn on the oven, and change the decorations…but we don’t know exactly when because we will be traveling on Christmas Eve and Day.
I want to clarify and say that I don’t believe this to be a moral issue. If you listen to Christmas music, you are not in sin. Please, nobody run off and take this post that far out of context. We’re just exploring this topic out-loud here on the blog as we process it ourselves. Yes, I continue to Google “How to be a good Catholic and be a?ble to listen to Christmas music” and Jonathan continues to interview families who’ve held off on celebrating.
We’re researching as a family and are trying to figure out what helps us enter more fully into Advent. That’s what this is about – being ready to receive our King into our hearts on Christmas. Whatever facilitates that best is what we will do in the Teixeira home.
I know this is a highly debated topic and I would love to hear from other perspectives in the comments. What have you chosen to do? What helps you get ready for Christmas? How do you embrace Advent?
I will be the first to admit that gratitude does not come easily to me. Blame it on my melancholic temperament, my fallen human nature, or some combination of both.
It’s just not where my mind goes, dagnabbit.
I’ve had to learn to choose gratitude just like making any other adult choice in life…like choosing to budget, do the dishes, or pray. I had to learn to choose it because gratitude is good for me just like those other things.
Why is gratitude good for us?
If you dig into the secular research, gratitude can seriously change your life. From boosting your energy and happiness levels to being less depressed and envious, it packs a positive punch when part of your daily rhythm. Being a grateful person will spill over its irrefutable effects into almost every area of your life.
From a spiritual standpoint, God encourages gratitude.
Let the word of Christ dwell in you richly, as in all wisdom you teach and admonish one another, singing psalms, hymns, and spiritual songs with gratitude in your hearts to God. Col 3:16
He wants us to be grateful because it’s the only place from which we can truly comprehend and realize all the lavish gifts he’s given to us. It’s a necessary platform for receiving his grace and not taking anything for granted. In other words, it allows us to grow in deep spiritual maturity.
But why is it so freaking hard to choose?
Being grateful requires virtue, which our human nature likes to rebel against. It’s a whole lot easier to be envious, negative, jealous, bitter, fearful, untrusting, angry, and entitled than it is to be grateful.
Especially in times of trial! One act of gratitude while suffering is worth far more than numerous shouts of praise in a season of blessing.
Even if you aren’t suffering, reflecting on things to be grateful for is typically forgotten in the business of life. It’s easy to take things for granted, especially in our American culture that runs a million miles a minute. Being grateful takes intentionality and that requires discipline and sacrifice…again, something pretty tough for most people.
So how do I become grateful?
Just be strong and do it.
OK that’s great if we all had wills of iron but for us average folk, that just ain’t gonna cut it. What practical things do I do to grow in gratitude?
Start a gratitude journal. For a few minutes each day, write down the things, people, relationships, situations, etc. that you find yourself thankful for. Just this simple act of recalling ALL THE THINGS you have to be grateful for in your life will change your attitude and perspective.
Verbally express gratitude with others. Whether it’s with a friend, spouse, relative, or stranger, specifically verbalize your gratitude out loud for something they did.
Stop complaining!!!! Ugh. We all hate complainers and have to fight hard to not become one ourselves as easy as it can be. Airing your gripes every now and again is alright but the more it becomes a habit, the more it decreases your levels of gratitude.
Pray for it. Beg God to transform your heath to one that is grateful for all that he gives you. Ask him to help you notice the people, places, and things in which you can be grateful for.
Write thank you notes. Sometimes you don’t get the opportunity to verbally express your gratitude for a person, so why not write a thank you note to them?! It’s a good habit to get into and who doesn’t LOVE receiving a letter of thanks?
Become a student of gratitude. You can read about growing in gratitude in scripture, books, from the saints, or everyday mentors. For example, check out a video on gratitude by Zig Ziglar:
Doing just these simple and small things have had a huge impact on me (especially when we were going through the darkest phases of infertility and I didn’t think I had anything to be grateful for). It was easy to be upset and angry but I learned that through CHOOSING gratitude, despite my circumstances, I am much happier and joyful.
This week is Thanksgiving…no better a time to begin making steps to growing gratitude and its effects in your life!
“No duty is more urgent than that of returning thanks.” St. Ambrose
Confession: In true Melancholic fashion, this topic is something I’ve been mulling over for two solid months.
What sparked this internal pondering?
I read this blog post from another Catholic blogger and the wheels began to turn.
Hold on though.
I enjoy Haley’s blog a whole lot and the things she has to say. I am not dumping on her post but rounding it out with a different perspective…because my life experience has been vastly different from her’s and because of that I interpreted her message differently than she intended. We can have different opinions from others while still wholeheartedly respecting them and holding them up with high esteem.
OK now that we are clear, let’s get back to what I’ve been ruminating on…
I get it.
Her post was a breath of fresh air for all the other women who also married straight outta college and began having babies soon thereafter. No, they absolutely did NOT waste their 20’s as the general culture might suggest…they got to experience some of the most meaningful things in life at an earlier age that most. But she essentially equates getting married and having babies as the rite of passage to “starting your life.”
That’s what hurt.
Because what about the rest of us? Those who God did not call to marriage or religious life that young. Or those who battled infertility for years if we were married. What were we dong with our 20’s? Wasting time and doing unimportant and frivolous things while waiting to “start our lives?”
No. Absolutely not.
Sure, I got to go on some seriously awesome adventures in my 20’s…many because I was not married for a majority of them and did not have children yet. But in no way did I ever sit back and think my life hadn’t truly “started.” I think that is the temptation in the Catholic world though, particularly for women.
It’s easy to think that we’re just cruising on auto-pilot, waiting for our vocation to arrive and then and only then will life really “start.”
This isn’t how it works though, friends. Our life starts when we are given life in our mothers’ wombs. It doesn’t really begin when we cross a certain line or get to a milestone like marriage or children. And although I am speaking about generic “us” I’m mostly speaking to ME, who spent way too much precious time being jealous my life hadn’t “started” when we were battling infertility.
Your life is NOW and that is in whatever circumstances the Lord has given you today, in this moment. Your life has “started” and to do God’s will in the present moment is the best thing we can ever do – whether you happen to be married with several children by age 30 or not. Stop waiting for some external thing to happen to define the “start of your life.”
Our joy is in surrendering ourselves to God’s will in the present, not wishing it away for the past or the future. This is important because the more each one of us become conformed to God’s will for us, in whatever capacity that may be, the more we fulfill the Kingdom of God and our role in it.
We have to stop wishing we had “so and so’s life” and embrace the one right in front of us. The one that has very much “started” and is inviting us to dive all in. So whatever life is yours in this present moment…please know that is HAS started and embrace it! 🙂