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financial freedom

Money

Remember That Financial Freedom Course We’re Creating? Welp, It’s Almost Done and Here’s What They’re Sayin…

April 3, 2017

Guys.

Holy Freaking Smokes.

Remember when we recruited beta testers for the financial freedom course we were creating?

We knew it was going to be a stretch to keep working on the course since we were about to bring home our second baby girl in a matter of days….but by golly we just decided that life wasn’t slowing down and it was time to turn our dream of helping others into a reality.

I highlight that we thought it was a stretch because that was the understatement of the century. We had no clue that we were about to live in Arkansas for over a month when our newborn baby girl had an unexpected stay in the NICU after birth.

On top of that, we underestimated the hardness of the newborn phase and sleep deprivation. (This wasn’t our first rodeo so why wouldn’t we have remembered the hardness? Our brains must have seriously blocked it out! LOL)

And then even on top of that, we’re still living with my amazing parents (moving NEXT MONTH into our own home finally) and transitioning into being a family of four with a toddler and a newborn in someone else’s home while 80% of our belongings remain in storage has proved a wee bit challenging.

When we got home from Arkansas in January, there were a few conversations where we wondered if it was prudent to follow through on the beta at this phase in life. Ultimately we decided to go for it and I couldn’t be more grateful we did.

We reminded ourselves again of that reality that there’s never a good time to __________ (Insert any big or challenging opportunity!) We realized that when we completed our course in the smack dab middle of a wild, hairy, insane, sleepless, and un-settled phase of life that we’d be able to do anything later on.

Onward we marched…scraping, clawing, pulling all nighters, and working hard creating a quality course dedicated to transformation and lasting financial freedom.

We gathered our beta testers and on February 22, 2017 we launched our first of eight weekly modules.

We’re on schedule to wrap up our beta test in a few weeks and we couldn’t be more excited. Of course our students have provided solid feedback for adding value, clarifying our message, and making sure our technology works seamlessly. We expected that.

What we also expected but didn’t have social proof for was specific and concrete feedback on the results we were getting our students. And boy do we have a boatload now.

We’re getting our students results as they’re moving towards lasting financial freedom. They are seeing drastic improvements in their ability to budget, save, pay off debt, and give. While many are new to focusing on handling their money well and have experienced some overwhelm (#normal) they have confidence and peace knowing we’ve given them a path to follow that will get them exactly where they want to go. 

That’s all we ever wanted to do and now we know we’ve done it and can keep doing it for others.

Just check out what they’re saying…straight from the horse’s mouth:

I used to always be scared, worried, or avoid the topic of money but now it actually gets me excited!

The course is instantly applicable.

It’s the down and dirty about everything you need to know about finances.

This would’ve been good to know about before adulting.

We’d dodged dealing with money in our marriage and this course has been the platform that forced us to have conversations and to talk about finances.

It’s like a bootcamp to learn how to get your money to work for your goals instead of letting your money just happen.

For anyone who doesn’t know where to start with finances – this is the class for them.

I LOVE your stories and y’all crack me up!

It’s helped me to plan of the future instead of just living paycheck to paycheck.

I would 100% recommend this course.

YEEHAW!

Hearing these comments gave us so much encouragement and validation that we’re right where God wants us and that he’s taking our little “yes” (and whoooooooole lotta elbow grease) and using it to bring financial freedom and peace into the lives of others.

While we’re wrapping up our beta this month, we wanted to update y’all on how it’s going and point you to our website where you can sign up to get specific emails about the course as it gets launched to the public.

It will take us some time to tweak the course based on feedback we’ve received in the beta but I don’t want anyone to miss out on it when we launch later in 2017.

Thank you all for your support, encouragement, and cheerleading!

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.

Intentional Living, Money

One Simple Thing to Dramatically Reduce Your Anxiety

January 25, 2016

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:
Budgeting.

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:

  1. Budgeting is easier than you think.
    • You can do this.
  2. 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.
  3. Every month is (slightly) different, so every budget you create should be (slightly) different.
  4. Start With Cash
    • While budgeting software like YNAB and Every Dollar can be very handy, it’s probably best for you to start out using cash and the envelope system (grocery envelope, clothes envelope, etc. one envelope for each budget category) so you can feel your money.
  5. 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!)
  6. 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).
  7. 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.
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!

Intentional Living

3 Reasons You Need To Read Money Making Mom

November 3, 2015

If you aren’t reading Crystal’s blog, Money Saving Mom, or following her on social media, you are absolutely missing out. This lady has helped me save money and live more intentionally on countless occasions. To say she is an inspiration to me as a wife, mother, and entrepreneur is the understatement of the century.

The past couple weeks have been really exciting because I had the honor and privilege to be on the launch team for a new book – Money-Making Mom: How Every Woman Can Earn More and Make a Difference. The book is all about how to earn an income as a mom, outside of the typical 8-5 job, and all the challenges, opportunities, and responsibilities that come with that.

Part of being on the launch team meant getting to read her new book early. The book was so great, I literally devoured it in under four days. I am so excited to share with you 3 reasons I think Money-Making Mom is worth your time as well.

one woman

1. Healthy Financial Perspective

Sometimes in the business world, you will hear things like:

  • Use debt to start and grow your business
  • Create profit, profit, and more profit for the sake of profit
  • If it’s what you want, pursue success no matter the cost

Well that is the opposite of Crystal’s book. She strongly suggests starting slowly and within one’s financial means without debt. That’s her own story of how she grew her brand and she wants others to experience the blessing and freedom that comes with being financially free.

She also highlights the beautiful opportunity to earn an income and be a blessing to your family but also to others. Giving is an entire chapter in this book and for good reason – we have a deep need to give to others and it brings us immense joy and satisfaction when we do. Earning money as a mom gives us the ability to be even more generous with others in our community and world.

Lastly, she stresses work-life balance and keeping your priorities in check. She doesn’t advocate chasing every money-making opportunity available, but discerning the right ones that fit your family and values.

grow

2. Get To Know Thyself

Earning income as a mom can come in as varied of a package as there are moms out there. How YOU may be called specifically to create income for your family (if at all!) is unique to your own gifts, talents, and desires.

In the book, Crystal actively guides you through self-reflection on this topic. In asking myself the big questions she poses, I felt like I was getting to know myself better. I was able to see how God uniquely crafted me and how he might want to use my gifts and talents in the world. She helped put me in touch with my passions and the reasons why I do what I do.

Knowing the answers to these questions will help make sense of any opportunity you are given to earn income for your family. Through knowing who you are, you will be free to pursue your work with passion and vision.

show up

3. How To Be Your Own Boss

Lastly, the book dives into the topic of some practical how-to’s and what business opportunities might be available for women who desire to work for themselves. What I love about this section is that it not only inspires but doesn’t shy away from the cold hard fact that starting and maintaining a business is HARD WORK.

I think it’s easy to glorify business owners or entrepreneurs as people who happened to be in the “right place at the right time.” That’s almost never true. It takes an unbelievable amount of energy and focus to get an idea off the ground and to grow it into a successful business.

Money-Making Mom: How Every Woman Can Earn More and Make a Difference explores the details of how to take your ideas and turn them into something bigger. You can follow the action points provided and walk towards taking what’s in your head and creating an opportunity with potential to earn income. Whether its blogging, an online business, a brick-and-mortar storefront, or direct sales – there are questions in this book that will get your wheels turning about how to get started or take what you currently have to the next level.

And there you have it.

Although I am currently a stay-at-home mom-ish (I do still work for FOCUS – Fellowship of Catholic University Students on special projects) this book got me really thinking about other opportunities to earn some income for our family. Time will tell where it takes me but I am very excited about some current ideas that are brewing. 🙂

What’s even more exciting is that TODAY is actually launch day for this book. If you are thinking about earning money either part-time or full-time as a Momma, check this one out and explore where God might be calling you.

I would love to hear your feedback as to what you think of it, so keep in touch as you read it!

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!