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budget

Money

Looking for Beta Testers for Our Brand New Money Course… Who Wants In?

November 28, 2016

******UPDATE AS OF JAN 2017**********

We have received way more applicants than we will even be able to take in the beta class so we are closing applications for now. Thank you all for your enthusiasm for the class and stay tuned for a debut in 2017! 🙂

Those of you who’ve been around these parts for a while know that we’re into financial freedom and managing our financial resources for the glory of God. We’re also wanna-be entrepreneurs with approximately one million ideas that could land us on Shark Tank.

We’ve decided to merge those two loves together into a brand new class on relating with and handling money in 2017.

To be super duper transparent, the class is completely 100% in our brains at the current moment. We need a handful of individuals and couples willing to help us get what’s in our heads out onto computers and into your homes.

I know some of you are thinking, “But wait, aren’t they about to have another baby in like a week?” Yes. Yes we are. But you know what, life has this funny way of never having good timing when it comes to pursuing dreams. That’s where a pilot class will be helpful not only to us but also for those who join us. We’ll have you keeping us accountable to getting our ideas out each week and you will benefit from the nuggets of wisdom we’ve got stored away. We both win and it gets our dreams one step closer to reality.

I know we are completely qualified and confident to do this…because we’ve been doing it for years now. We’ve had countless meetings with individuals and couples in our homes or at various events about their finances and what next steps to take in getting financially fit. From getting out of debt to starting a retirement account to setting up a will, we’ve talked about it all with others.

It’s no secret that we love Dave Ramsey and we admit his influence on our lives has been tremendous. However, we believe we’ve got a unique perspective on this money thing and we believe it will be useful to you and others. That’s why we’re creating a money class you can take in the comfort of your own home and creating an online community of others pursuing the same thing.

This is where you come in.

Do you want financial freedom? Are you sick and tired of debt? Do you need advice on how to save for college and retirement? Do you need encouragement and accountability to create and stick to a budget? Do you want financial hacks that will save you hundreds every year? Are you ready to retire a millionaire and steward those funds wisely? Do you want to give more generously? Are you facing an income issue and need ideas on how to bring home more for yourself and family? Do you need fresh ideas on how to get rid of debt quickly? Do you want to see a radical financial turnaround in only a few short weeks?

We’re going to cover that all and more in our class.  In order to do that, we want to invite a few of you to join our pilot. 

What type of individuals and families are we looking for?

  • Ready to commit 110% to pursuing financial freedom
  • Able to dedicate 2-3 hours per week watching videos, doing homework, and participating in the online community
  • Learners who are open to trying new things
  • Ready to provide open, honest, and helpful feedback each week after our lessons
  • Vulnerability and able to openly discuss their emotions regarding money and spending

Are you ready to get financially fit in the New Year…and for the rest of your life?


Sign up above and we will review your application. We should be getting back to you in the next couple of weeks before the New Year.

Money, Parenting

Are Cloth Wipes Cheaper Than Disposable?

January 29, 2016

OK, admit it.

Some of y’all thought we were crazies when we wrote about our cloth diapering venture.

But today I am putting the final nail in the coffin for you because I am going to share why we also make our own cloth wipes. I swear we aren’t turning into Colorado hippies despite how with each passing year we get more and more crunchy…hmmm.

You are also going to get a taste of just how nerdy we are with all our calculations, equations, and measurements. I’ll be honest, we primarily cloth to save money. Sure there are other reasons in there but if it wasn’t going to save us moolah, we probs wouldn’t be doing it. Same goes for cloth wipes. It had to be economical for us to consider it.

Making the leap into cloth wipes sort of happened on accident in the beginning. I bought lots of barely used cloth diapers on Cragslist for a hella good deal from a lady who was so utterly sleep deprived (she had a sleep trainer at her house when I stopped by) that she threw in a bunch of extra baby stuff, cloth wipes being one of them. Then another friend saw we were cloth wiping early on and passed along some she didn’t plan on using. We invested $0 into cloth wipes so it was a no-brainer to try them out.

Eventually we ended up doing some traveling and had to buy disposable diapers and wipes and all I can say is OUCH!!! It was really pricey compared to the virtual nothing we were used to spending on cloth. That got me thinking…I should sit down and figure out in a concrete way just HOW much we’re saving with cloth diapers and wipes.

So today I bring you our cloth wipe geeky cost-savings calculations.

Let’s start with what I use to make wipes: Dr. Bronner’s Peppermint Soap from Costco, Kirkland brand coconut oil, Bumkins flannel cloth wipes, and boiling water.

wipesstuff

Now lets take a peek at the cost breakdown is per batch of wipes.

Dr. Bronner’s  Peppermint Soap

This costs $9.79 at Costco. It’s a 40 ounce bottle, which converted is 1183 ml per bottle. We use approximately 1 tbsp (15 ml) of soap per batch. Doing the math, we can get about 79 batches of wipes per bottle. Taking the total cost of $9.79 divided by 79 batches leave us with a grand total of 12.4 cents per batch.

Kirkland Coconut Oil

The oil costs $25.99 for two tubs. Each tub is 1200 grams. We use approximately 1 tbsp (14 grams) per batch. Doing the math, we can get about 85 batches per tub, multiplied by two comes to 170 batches for the set. Taking the total cost of $25.99 divided by 170 batches comes to 15.3 cents per batch.

Bumkins Flannel Cloth Wipes.

These were given to me FREE so really, I don’t need to calculate this in but for the sake of other’s we will pretend we purchased them. The wipes cost $9.79 per pack of twelve. I feel that four packs, or 48 wipes, would be what is needed. The cost of four packs of wipes comes to $37.72, or 78.6 cents per wipe. That seems high per wipe but we will demonstrate the amount of mileage you can get from this inital invesment later.

Boiling Water

The amount of money used on this a few times a month is negligible and not even worth doing math over. This won’t be what makes or breaks cloth wipes for you.

Total Cost

When you add together the cost of the above items, your first batch of 48 wipes will cost you 79.2 cents per wipe. That’s really expensive compared to store bought, but again, we see the savings over the long haul as the wipe cost disappears and cost gets spread out over time.

Subsequent batches (now that the hard cost of wipes is out of the equation) cost 27.7 cents to create a batch, or .58 cents per wipe from that point forward.

Assuming you make two batches of wipes per week, in two years’ time you spend $95.62 total.

Getting a Comparison.

Just for fun, let’s compare this cloth wipe system to Costco’s Kirkland brand pack of 900 baby wipes, which sell for $19.99 or 2.2 cents per wipe…which is a great deal in the ‘sposie wipe world unless you strictly coupon or use some form of reward points.

Let’s also assume, that you use 96 wipes a week to keep the numbers the same. (Which is VERY CONSERVATIVE since disposable wipes tend to disappear MUCH quicker than cloth!) That means the box would last you 2.3 months before you would have to purchase more.

The 11 packs of  9,900 Costco wipes costs $219.89 over the course of 2 years.

The difference saves $124.27 over a two year period…which only increases the longer your kiddo is in diapers. At three years, the difference would be $215.25! Then if you happen to have more than one kiddo the cost savings continue to grow!

Conclusions

No, that amount of money isn’t anywhere close to what you save on cloth diapers vs. disposable diapers…but it’s something! Again, our estimations were very conservative since in our experience cloth wipes are not used anywhere near as fast as disposable wipes…so in reality the savings are likely larger.

A final note: Cloth wipes also just make life easier when you’re already cloth diapering because you can just toss them all in the wet bag together opposed to throwing just the diaper in the wet bag AND then taking the dirty gross wipes to a trash can where they stink things up since they aren’t wrapped up in a disposable diaper. The reverse would be true if you use disposable diapers…what a pain then to have to wash cloth wipes without having to wash the diapers!

A final final note: This post above made me realize we may or may not have a Costco addiction. EEP!

Uncategorized

The January Budget Breakdown

January 9, 2016

Hahaha.

Apparently we don’t finish strong around our neck of the woods as our last two budget breakdown posts have been a week late. They’re the last ones and from here on out you can find a budget breakdown post for EVERY month of the year! 🙂

If you are only now joining us, in these posts we will write-up typical expenses that may get overlooked for the particular month so nothing can sneak up on your budget.

With that, let’s dive into our January post.

  •  Travel
    • Going home after the holidays
    • FOCUS (Fellowship of Catholic University Students) annual conference travel
    • Weekend winter getaways
  • Fitness
    • Workout clothes
    • Gym membership
    • Fitness DVD’s
    • Supplements, vitamins, protein powder
  • Organizational Items
    • 2016 Planner
    • Storage bins to organize around the house/car
  • Winter Clothing
    • Jackets/Coats
    • Ski or Snow boarding gear
    • Boots
    • Gloves
    • Other accessories
  • Winter Fun!
    • Ice Skating
    • Skiing
    • Snow Boarding
    • Sledding
    • Cross-country skiing
  • Birthdays
  • Car Maintenance
  • Life Insurance premiums

January is a quiet month as everyone typically keeps things simple after the holidays. It’s also a month of getting your New Year’s Resolutions going which you likely need to budget for. As usual some of the above expenses are best budgeted for as a sinking fund...like car maintenance or life insurance premiums.

Happy New Year! It’s never too late to start budgeting or change your spending habits so make this year one to remember by getting financially fit!

Money

The November Budget Breakdown

October 29, 2015

Welcome back to the budget breakdown here at True Good and Beautiful!

An expensive time of the year is rapidly approaching and here in this post, we want to help you get your budget ready for what lies ahead. The holiday season is one of the best times of the year but without planning it can wreak havoc on any income level.

With that, let’s dive into November’s budget post.

In these posts we will write-up typical expenses that may get overlooked for the particular month.

So, what expenses might you expect in the month of November:

  • All Saints Day
    • Party or gathering supplies
    • Saint costume(s)
  • Holidays Travel (get ready to break the bank if you are booking this late)
    • Thanksgiving
    • Christmas
    • New Year’s
  • Fall Activities
    • Football games
    • Baseball games (World Series anyone?)
    • Football parties
  • Thanksgiving
    • FOOOOOOOOD!!
    • More food
    • Even more food
    • Family activities (football, movies, games)
    • Black Friday Shopping (Not-so-secretly our favorite day to shop for Christmas…gotta get them deals y’all!)
    • Cyber Monday Shopping (introverted version of Black Friday)
  • Advent
    • Decorations
    • Spiritual reading or retreat fees
  • Christmas (It’s coming faster than you can imagine!!!)
    • Gifts
    • Decorations
    • Special Outfits
  • Winter Clothing
    • Jackets/Coats
    • Ski or Snow boarding gear
    • Boots
    • Gloves
    • Other accessories
  • Winter Fun!
    • Ice Skating
    • Skiing
    • Snow Boarding
    • Sledding
    • Cross-country skiing
  • Birthdays
    • We’ve got a special little lady turning ONE year old on November 10th!
  • Car Maintenance
    • Radiator blew up on the Jeep this week. When it rains in the car world it pours!

Again, these are some expenses we’ve found ourselves budgeting for this month, so they might be applicable to you or not. Some of these expenses are best budgeted for as a sinking fund...like car maintenance or Christmas.

Happy budgeting y’all!

Money

The October Budget Breakdown

September 30, 2015

Welcome back to the budget breakdown here at True Good and Beautiful!

We’ve recently started coordinating another Financial Peace University course and it’s gotten us fired up about budgeting all over again. Nothing like a shot in the arm from Dave Ramsey to get jazzed about the fundamental principles of financial freedom.

That’s what budgeting is, my friends. It’s fundamental to your winning or losing with money.

Your life will hinge on your ability to create and stick to a budget or your lack of ability to do so. Plain and simple. That’s why we DO these budget reminders every month because we want y’all thriving!

With that, let’s dive into October’s budget post.

In these posts we will write-up typical expenses that may get overlooked for the particular month.

So, what expenses might you expect in the month of October:

  • ALL THE FALL THINGS!!!!
    • Pumpkin Spice Lattes
    • Cider
    • Food Festivals
    • Oktoberfest
    • Pumpkin Patch
    • Hayrides
    • Horseback riding
    • Corn Maze
    • Apple Picking
    • Decorating
    • Pumpkin Carving
    • I could go on for days…you get the idea!
  • Halloween/All Saints Day
    • Secular costume
    • Saint costume
    • Candy or other treats
    • Party supplies
    • Decorations
  • Holidays Travel
    • Thanksgiving
    • Christmas
  • Other Fall Activities
    • Football games
    • Baseball games
    • Football parties
    • Fantasy Football fees
  • Christmas (good idea to start saving a few months ahead!)
    • Gifts
    • Decorations
  • Birthdays
  • Conference Fees
    • We’re attending the Dave Ramsey SMART Conference this month!
  • Anniversaries
    • We celebrate 4 years of marriage on October 22nd! 🙂
  • Annual Family Photo Shoot
    • Photography Fees
    • Props
    • Outfits/Accessories
    • Photo printing costs
  • Car Maintenance
    • Transmission Overhaul (blog post comin about that one!)

Again, these are some expenses we’ve found ourselves budgeting for this month, so they might be applicable to you or not. Some of these expenses are best budgeted for as a sinking fund...like car maintenance or Christmas.

Happy budgeting y’all!

Money

How to Attend Financial Peace University for FREE

September 1, 2015
It’s THAT time of year again!
It’s time for a giveaway around the True Good and Beautiful blog!

What are we giving away? (Like you don’t have us figured out here yet…) 😉

1 FINANCIAL PEACE UNIVERSITY MEMBERSHIP!!!!

To say that Dave Ramsey has a huge influence on how we choose to live in the understatement of the year.

Using his materials and methods are the sole reasons we are debt-free and living on a budget today. His message has literally changed our lives.

And we can’t help but pass along this opportunity to others.

Nope, this opportunity was not sponsored by Dave Ramsey.

We simply believe so powerfully in the freedom that comes in handling money God’s way that we want to pay it forward to someone else. We want to bless an individual or family who would benefit from going through this class.

In fact, we did this giveaway last year and this is what one winner had to say:

“Since then (attending FPU), I’ve felt much more financial freedom in the knowledge that this is something God and I are doing together, and at the end of the day, He’s calling the shots.”

What is Financial Peace University (FPU)?

“Financial Peace University is a nine-week class on money taught by America’s most trusted financial guru, Dave Ramsey. Dave and his teaching team will walk you through the basics of budgeting, dumping debt, planning for the future, and much more!”

www.youtube.com/watch?v=UDW3HEgh_w8
You can see a sample of all nine lessons here.

Most classes start in a couple of weeks, hence the giveaway. You can see a list of locations, dates, and times at the FPU website. If you’re in the Denver area, consider joining the class we’re coordinating (starts Thursday, Sept 24, 2015).

Jonathan and I have attended and facilitated Financial Peace University and it’s been a huge blessing in our life and parish. If you could benefit from sprucing up your finances or demolishing old habits and starting over, then sign up to win one of these classes we are giving away.

It literally can change your life and the lives of those around you.

Lastly – I shouldn’t have to say this but
if you know you will not complete all nine classes and take the class seriously, DO NOT ENTER THIS CONTEST! If you are ready to dive in and apply yourself in class, ENTER ALL YOU CAN! We want to make sure the people with the right attitudes are the ones who win this opportunity.

Best of luck!