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financial peace

Money

The September Budget Breakdown

August 31, 2015

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

After 9 weeks of traveling this summer, I am happy to say we are HOME.

PRAISE THE LORD!

We had wonderful adventures this summer but man oh man am I glad to be back in Colorado sleeping in my own bed. I can tell Josie is thinkin the same thing.

It feels good to settle back in and nothing makes me feel grounded like budgeting! ūüôā

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

In these posts we will write-up typical expenses that may get overlooked for the particular month. No uploading of photos this month…due to forgetting. Eeep!!

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

  • Back To School Season
    • New clothes
    • Tuition
    • Backpacks
    • School Supplies
  • Labor Day
    • Getaway
    • BBQ
  • End of Season Deals (only if you really need it) ūüėČ
    • Patio Furniture
    • Grills
    • Swimsuits
    • Clothes
  • Holidays Travel (always some good flight deals this time of the year)
    • Thanksgiving
    • Christmas
  • Fall Activities
    • Football games
    • Baseball games
    • Football parties
    • Fantasy Football fees
    • Apple Orchards
    • State Fairs
  • Christmas (good idea to start saving a few months ahead!)
    • Gifts
    • Decorations

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 vacations or gifts.

Happy budgeting y’all!

Uncategorized

The July Budget Breakdown

July 1, 2015

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

I apologize for being more or less absent this past month but we’ve been on the road adventuring. We’ll be home in about another month so if you hear from us before then, awesome. If not? Don’t worry, we’ll be back.

This post is only happening because I simply couldn’t leave all you avid budgeters hanging!

Let’s dive back into some good ole budget accountability and fun!

In these posts we will write-up typical expenses that may get overlooked for the particular month. No uploading of photos this month, due to being on the road.

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

Adoption, Money

Adopting Again…How Soon is too Soon?

April 14, 2015

This is a topic that’s been on my heart lately.

I love being a mom. I really really love it.

Not only am I content and joyful with having Josie, I find myself being hopeful for future siblings for her to be close with while growing up.

But then I come up against the facts – siblings for Josie will likely happen through the means of adoption and not a miraculous pregnancy. Now, I am certainly not God nor do I claim to know his will for our family but by looking at my medical history…adoption will probably be how our family grows.

It’s no longer getting pregnant and watching my belly grow that fills my dreams now.

I dream of the adoption process and getting to do it all over again.

Filling out paper work. Having our lives examined and cross-examined.¬†Connecting with¬†a birth family. Being chosen to raise and love the most precious gift of all. Meeting our newest little one at the hospital. Taking the full milk supply I’ve painstakingly built for Josie and getting to continue breastfeeding both my babies.

And everything else that goes with adoption.

But then one thing stops me in my tracks: Money.

We fundraised¬†a majority of¬†the $25K+¬†for Josephine’s adoption. It was such a gift, honor, and privilege to have the love and support of so many behind us. I can’t tell you how humbled we were and still are that so many people walked our adoption journey by our sides.

But when is adopting again too soon? And can we actually fundraise again or will we get the stink-eye from people?

I don’t want this to come off wrongly but Josie is almost 6 months old…and if I had healthy fertility and was yet again cycling, Jonathan and I would likely begin trying to have a sibling for her. I really like the idea of having a few kiddos close in age to one another, no matter how crazy life would temporarily be. I would rather condense the wild and sleepless years together into as brief of time period as possible….

I can already hear God laughing at that one, as he prepares a nice curve ball for me. ūüôā

With a natural pregnancy, the wait time is typically 9 months from conception through birth. With adoption? The average wait is 2-3 years!!!

I am well aware that our first adoption happened from start to finish in under 6 months. Highly unusual! I can’t say it wouldn’t happen that quickly again, but statistically it won’t.

That means that if we start the process all over again in a couple months time…we *might* have a second adoption by the time Josie is 3 or 4 years old. Still pretty close in age for siblings but it’s about as far a part as I would like.

This is when I start to get nervous though. We couldn’t afford adoption the first time around without significant help. We likely won’t be able to a second time around either. Part of me wonders if those cheerleaders from our first round will still be around for the next one. Did we wear our welcome? How soon is too soon?

If we were talking about natural conception, we wouldn’t have to factor in anyone else’s opinion…but I feel like with adoption we HAVE to weigh others opinions and perceptions…since we will likely rely on their help once again.

Hopefully we can start saving right away¬†for future adoptions and be MUCH more prepared and not have to do as much last-minute fundraising. I also plan to do more adoption grant applications that we didn’t qualify for this first time around since things happened¬†so¬†quickly.

But what if we do need the help of others?

Will people judge us for trying for another adoption so “soon” not knowing we could be waiting around for 2+ years? Will people think we are free loaders who want handouts? Do people think we are not sacrificing enough lifestyle to save for adoption on our own? (Trust me when I say your jaw would drop on how little we spend on lifestyle as it is.) Should we be fundraising a higher annual income than we currently are, to build in the cost of future adoptions and not have to fundarise for adoption specifically at all?

These questions come from a place of prudent planning but also of fearing others.¬†I don’t want to be there but I admit some days I am.

The other part of me remembers how special fundraising for Josephine was. I felt united to a large family…people cheering us on from around the globe. People who knew that by giving to us…they were primarily¬†giving to God and doing his work. People happy to give, knowing it was not only a blessing to¬†us but it was a blessing to¬†them¬†to be part of the story. Those memories are wonderful and make me believe fundraising again is possible.

Only time will reveal God’s will for growing our family and other’s reactions to how soon we choose to move forward on another adoption. We will keep praying about when and if God will call us to move forward on that.

Until then, I’m just going to think out loud with you here at True Good and Beautiful.

Feel free to let me know how this topic makes you feel.

Really. I am curious.

What is your gut reaction to us thinking about adopting (and mostly fundraising to adopt) again?¬†You can always email me using the¬†contact us page¬†if you don’t want to share your thoughts publicly in the comments section. Thanks y’all!

Money

The April Budget Breakdown

March 31, 2015

Well hello again.

It”s yet again time for some good ole budget accountability and fun!

Again, in these posts we will write-up typical expenses that may get overlooked for the particular month. Then we have a photo link up portion where YOU can upload a photo of your budget committee meeting for the month!

So, what expenses might you expect in the month of April?

  • EASTER!!
    • Festive Meal
    • Party
    • Gifts for family/friends/children/people becoming Catholic
    • Easter Egg hunts
    • Travel
    • Fun activities for the octave
  • March Madness
    • Championship game party/outing
  • Spring Cleaning Supplies
    • Mop, Broom, Vacuum
    • Organizational boxes
    • Filing Cabinet
  • Vehicle Maintenance
    • Car Washes or supplies
    • Oil change
    • Windshield Wipers
  • Expenses Related to Taxes
    • Accountant/CPA
    • Turbo Tax, etc.
    • E-Filing Fees
  • Birthday gifts
  • Wedding gifts
  • Summer vacation/wedding flights

Again, these are some expenses we‚Äôve 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 birthday and wedding gifts. We tend to get slammed with Wedding gift expenses during the summer months and it’s so much easier if we put away a certain amount monthly for that time.

We are excited to have travel to Nebraska¬†in our budget this month to see a friend enter the Catholic faith!! We haven’t spent Easter with family in almost 8 years so it will be really nice to be around them. We also have the last of our adoption expenses this month before Josie’s finalization in May! ūüôā

Now it’s time for your part!

[inlinkz_linkup id=511525 mode=1]

Money

The March Budget Breakdown

February 28, 2015

It’s that time again.

Some good ole budget accountability and fun!

A recap from last time…In these posts we will write-up typical expenses that may get overlooked for the particular month. Then we have a photo link up portion where YOU can upload a photo of your budget committee meeting for the month!

So, what expenses might you expect in the month of March?

  • Vehicle Maintenance
    • Tires
    • Windshield Wipers
    • Oil Change
    • Vehicle Registration and Title Costs
  • St. Patrick’s Day
    • Festive Meal
    • Party
  • Fish Fry
    • Entrance Fees
  • Spring Break expenses
    • Travel
    • Food
    • Activities
  • March Madness
    • Parties
    • Food at Restaurants/Bars
  • Easter
    • Travel
    • Gifts for family/friends becoming Catholic
  • Spring Cleaning Supplies
    • Mop, Broom, Vacuum
    • Organizational boxes
    • Filing Cabinet
  • Expenses Related to Taxes
    • Accountant/CPA
    • Turbo Tax, etc.
    • E-Filing Fees

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.

However, we purchased a van this month (in the budget) and have to pay registration/title fees which we didn’t have a sinking fund set up for. Therefore, we have to shuffle our budget around to accommodate this cost. It will be a tight month but because of budgeting, we have the freedom to make it all balance¬†and have peace that it will all work out.

Now it’s time for your part!

[inlinkz_linkup id=501274 mode=1]

Money

Dave’s Smart Money Tour: A Review

February 26, 2015

Last week Jonathan and I attended Dave Ramsey and Chris Hogan’s newest Live Event – The Smart Money Tour.

live-events-page

This is our review of the event.

Overall, I would rate the event a 10/10 and it not only met our expectations, it exceeded them.

How?

1. Foundational and Fresh

We brought a couple of friends with us, each of us at different places in the Dave Ramsey Baby Steps.

Of course, they¬†more or less revolved around those 7 Baby Steps, which could have seemed boring for us since we’ve read the book, co√∂rdinated Financial Peace University, etc.

But they repackaged and condensed the timeless principles alongside new stories and partially a new voice РChris Hogan.

I will get to him in a moment though.

They did an outstanding job of keeping the old and new fans engaged and inspired throughout the entire event. Below are some nuggets from Jonathan’s Tweet fest.

jontwitter

2. Free Budgeting Software

This may have been the MOST exciting news of the night.

Dave’s team has spent the past few years and a couple million dollars creating budgeting software called Everydollar with an app for your smart phone.

Best part?

It’s FREEEEE!!

everydollar

We’ve been proudly sharing our love of YNAB – You Need a Budget software for over a year now…but this may change our tune.

Free is always better, amirite or amirite?

It launches next month but everyone who attended Smart Money Event received a code to use it EARLY. Boom.

Expect a review on that once it’s up and running. I would love to do a side by side analysis of Dave’s software vs. YNAB.

3. Chris Hogan

This guy is on fire right now.

He’s hilarious, animated, inspiring, and made me cry at least four times with the stories he tells.

Dave was smart to bring this guy on the tour with him. Not that Dave himself isn’t awesome…but it’s great to see him bringing other voices to the Baby Steps and his timeless financial lessons.

Chris also has a new website that I am pumped to use. It’s for retirement forecasting, which can be both motivational and terrifying at the same time.

4. Free Will Kit!

Dave gone and read my mind!

Did you know 78% of people die without a will? That’s CRAZY since 100% of us will die someday.

Now that we have Josie, it’s time to update our life insurance beneficiaries and create a will to navigate those funds in the result of our untimely death. Lord willing it won’t be necessary anytime soon but I will have peace of mind knowing we have a plan for her financially if something, God forbid, should happen to us both.

Below is Josie getting excited about us making a will!

smt

5. Inspiring and Upbeat

The entire event was just a lot of fun!

There were giveaways. A live debt-free scream on stage. And most of all, content that was relevant to all, presented in a way that gave hope.

It wasn’t dry. It wasn’t ordinary. It wasn’t hum drum. It was anything BUT those things. Which isn’t always what you expect when going to a financial seminar.

I love how Dave and his team strive to make learning about money fun and encouraging! Really, it’s what sets him a part in this area.

Overall, I highly recommend this event to others! It’s only happening a few more weeks but keep it in mind if it comes to a city near you in the future!