Wednesday, October 7, 2009
October 2009 Adult Verse Night
Deuteronomy 31:6 — Be strong, courageous, and firm; fear not ... for it is the Lord your God who goes with you; He will not fail you or forsake you.
Tuesday, October 6, 2009
3rd Quarter Progress on 2009 Resolutions
I received my third quarter email from Glenn Shepard on where I am with my 2009 Goals & Resolutions. This is what I submitted to him on where I stand on the goals I set for the year (review blog entry for 1/1/2009 for goals set):
1. Met this goal at 100% July 2009.
2. 10% progress made. Reading any material I can come accross online & books to help me get new methods to achieve this goal to organize, cull, declutter, condense, minimize, etc.
3. 0% progress
4. 25% progress made. Still reading and learning with a desire to excel and be more productive
5. 25% progress made.
THANK you yet again Glenn for your encouragement!
1. Met this goal at 100% July 2009.
2. 10% progress made. Reading any material I can come accross online & books to help me get new methods to achieve this goal to organize, cull, declutter, condense, minimize, etc.
3. 0% progress
4. 25% progress made. Still reading and learning with a desire to excel and be more productive
5. 25% progress made.
THANK you yet again Glenn for your encouragement!
Saturday, October 3, 2009
book ~ simplify your life
Brooke let me borrow this book from her and I want to post my highlights from it, sort of a book report on it (so that I can remind myself later after I have returned it to her)
Simplify Your Life
by Elaine St. James
Let your boat of life be light, packed with only what you need - a homely home and simple pleasures, one or two friends worth the name, someone to love and some to love you, enough to eat and enough to wear, and a little more than enough to drink, for thirst is a dangerous thing.
-Jerome Klapka Jerome
Like many others (the author writes), I had bought into the Bigger is Better and the More is Better Yet philosophies of the 1980s. We gradually began to realize that, rather than contributing to our lives, many of these things complicated them far more than we'd been willing to admit. We'd always known the Joneses weren't worth keeping up with, but we finally had to face the fact that the only thing we'd ever gotten from a power lunch was indigestion. The time had come for us to get off the fast track.
The goal of a simplified program is three goals:
#1 things in my/our lives (home, car, clothes, diets, finances) to be small enough and few enough and simple enough that they can be taken care of yourself/ourselves
#2 free yourself/ourselves from the commitments, the people, and the obligations that kept me/us from having time to do the things I/we really want to do, not felt I/we should do.
#3 want my/our life to be consistent with the desire to live in harmony with the environment.
Remember: One person's simplicity is another's complexity. The secret to happiness is not getting more but in wanting less.
#1 Reduce the clutter in your life:
If you haven't used it in one year or more, get rid of it. The idea is not to deny yourself the things you want, but to free yourself from the things you don't want.
#3 Use "Speed Cleaning" to clean your house:
(read Speed Cleaning by Jeff Campbell and the Clean Team)
#13 Keep Your Plants Outdoors:
It's time we realize that the photographs in the home-and-garden magazines don't necessarily reflect reality. They made having indoor plants look so easy, when they're anything but. Consider a window box (if you don't have a yard or patio to enjoy), visit your botanical garden, at the very least, don't replace it when t dies.
#22 Build a Simple Wardrobe:
Men already have simple wardrobes. First, pick a simple, classic style that looks good on you, and then stick with it. Forever. Second, build combinations of outfits that work as a uniform...two or three of the same similar style but in different, muted shades...each item should go with every other item. It is possible to create a simple, functional, feminine wardrobe by following the same principles men follow when it comes to fashion. (Didn't care for third point don't wear jewelry, don't carry a purse and wear only one heel height).
#23 Reduce Your go-Go Entertainment:
Most people come to realize the best things in life are free, and that doing less can mean having more - more serenity, more happiness, more peace of mind. Make a list of the things you and your family really love to do. And then arrange your life so that each day you have time to do as many of the things you like to do as possible.
#30 Don't Answer the Phone Just Because It's Ringing:
Just because it's convenient for someone to call you at this particular time does not necessarily mean it's convenient for you to answer.
#37 Take a Vacation at Home
#39 Live on Half of What You Earn, and Save the Other Half:
We've become a nation of spenders rather than savers. We spend far more than we need to on stuff we don't really require. Start by cutting back 10-15%, gradually building up to 50% over a year or two. Living simply is not a matter of living cheaply or of feeling deprived. On the contrary, it's an opportunity to get in touch with what is really important in your life, and to reach a level of moderation that will create not only a feeling of contentment and security, but also a sense of being in control.
#40 Rethink Your Buying Habits:
Designate one shopping day. Do I/we really need this? Will it just be one more thing to end up in the back of the closet? Delay the major purchases. See how long you can live without it. Try to come up with a creative solution rather than a buying solution to a perceived need.
#52 Do What You Really Want to Do:
Figure out what it is you want to do, and then arrange life so you an do it. It will be worth whatever complications you have to g through to get there, and it will definitely simplify your life in the long run.
#54 Work Less and Enjoy It More:
Cut back on your workday by 10%. Build time into your schedule for interruptions that are unavoidable time robbers in today's business world (phone calls, unplanned meetings, searching for misplaced papers). You will find you get more out of your workday.
#55 Stop the Busy Work:
Prioritize before you start work, and then don't do anything unless it's on your list, a lot of busy work will just evaporate.
#57 Simplify Your Eating Habits:
Healthy and nutritious diet.
#63 Beware Exercise Equipment, Fire Your Personal Trainer and Go Take a Walk:
Every day the expensive equipment or health club membership goes unused, the guilt level rises, which only increase the stress in our lives.We've become so addicted to compulsive, competitive behavior, that we've extended it to exercise, which, theoretically, we do for relaxation, and to improve and maintain our health. Now is the perfect time to get off it and go take a walk.
#67 Create Your Own Rituals:
The type of ritual I am referring to here is any special thing you can do on a regular basis that you look forward to, and that you think about with a happy heart. It's possible that you have been working so hard and moving so fast that you haven't taken the time to incorporate some personalized moments into your day.
#68 Learn to Laugh:
As children, we laugh naturally, but we gradually loose that skill as we become adults. Laughter reduces stress, relieves tension, and soothes the angry heart. Just imagine how much simpler your life would be if you learned to respond to stressful situations with laughter rather than with frustration, or anger or resentment.
#70 Learn to Meditate:
Medication is an effective way to maintain a simple life. Learning to meditate is not easy, nor are the results necessarily immediate. But both the physical and psychological benefits of a sustained meditation program are well known and well documented. They include a much greater ability to deal with the everyday problems we all face, and a calmness and serenity that result from few other disciplines. Most people also find that meditation produces more energy, more restful sleep, an increased ability to concentrate, and an overall feeling of well-being. Learning to mediate will give you a new understanding of your life, and will help you get clear on exactly how you want to live it.
#72 Clean Up Your Relationships:
Get out of a relationship that isn't working.
#73 Just Be Yourself:
Have you ever stopped to think about how much energy you spend - and how much you complicate your life - by pretending to be someone other than who you are? A good exercise is to sit down and go through all the major areas of your life and decide how each would be different if the only person you had to impress was you. How often we are untrue to ourselves because of the pressures of others.
#74 Trust Your Intuition:
All of us come equipped with a still, small voice inside. Unfortunately, our life-styles have become so fast-paced and hectic that many of us have forgotten how to listen to it. Learning to trust it will help keep your life in balance.
#76 Stop Trying to Change People:
We can't change other people. They change when they are good and ready. Most often what people really want is a supportive ear.
#77 Spend One Day a Month in Solitude:
Spending time away from the constant barrage of pressure we face can get us back in touch with what is real, and can help to alleviate the tensions of everyday life.
#81 Do One Thing at a Time:
Do we really get more done by trying to do everything at once? Maybe. Does it really matter? Probably not. Are we happier at this frenetic pace? Most definitely not. Start with a list, a list of things that really matter. Cut the list in half, then pick the most important thing and do it. Then, and only then, go down the list, doing each thing, one at a time. As much as possible, allow no distractions, no interruptions. You can learn to do one thing at a time, better, and happier doing it.
#82 Do Nothing:
It sounds so easy. Start with an hour. The idea is to just be with whatever is going on in your head without having to do anything about it. You'll be amazed at the clarity it will bring to your life.
#84 Just Say No
My weekdays are devoted, for the most part, to my work, and, unavoidably, there are deadlines and obligations I have to meet. But my evenings and weekends are my own. Simply say no. Thank you, no.
(read: When I Say No, I Feel Guilty by Manuel J Smith)
#85 If You Can't Say No, Prevaricate:
"Thanks, but I've got plans for Saturday night."
#87 Learn to Reinterpret the Past:
Constantly reliving past events only complicates your life. Reinterpreting them as positive steps forward, and then moving on, will keep things simple.
#88 Change Your Expectations
#89 Review Your Life Regularly To Keep it Simple:
Maintaining simple life requires a certain amount of vigilance. It is not realistic to go through the steps to simplify your life and then think it will automatically stay simple. Old habits die hard. It's your choice to resist the fast track, whatever or however.
#99 Get Rid of All the Extras:
In no time at all, having extra sets of things can get very complicated.
Simplify Your Life
by Elaine St. James
Let your boat of life be light, packed with only what you need - a homely home and simple pleasures, one or two friends worth the name, someone to love and some to love you, enough to eat and enough to wear, and a little more than enough to drink, for thirst is a dangerous thing.
-Jerome Klapka Jerome
Like many others (the author writes), I had bought into the Bigger is Better and the More is Better Yet philosophies of the 1980s. We gradually began to realize that, rather than contributing to our lives, many of these things complicated them far more than we'd been willing to admit. We'd always known the Joneses weren't worth keeping up with, but we finally had to face the fact that the only thing we'd ever gotten from a power lunch was indigestion. The time had come for us to get off the fast track.
The goal of a simplified program is three goals:
#1 things in my/our lives (home, car, clothes, diets, finances) to be small enough and few enough and simple enough that they can be taken care of yourself/ourselves
#2 free yourself/ourselves from the commitments, the people, and the obligations that kept me/us from having time to do the things I/we really want to do, not felt I/we should do.
#3 want my/our life to be consistent with the desire to live in harmony with the environment.
Remember: One person's simplicity is another's complexity. The secret to happiness is not getting more but in wanting less.
#1 Reduce the clutter in your life:
If you haven't used it in one year or more, get rid of it. The idea is not to deny yourself the things you want, but to free yourself from the things you don't want.
#3 Use "Speed Cleaning" to clean your house:
(read Speed Cleaning by Jeff Campbell and the Clean Team)
#13 Keep Your Plants Outdoors:
It's time we realize that the photographs in the home-and-garden magazines don't necessarily reflect reality. They made having indoor plants look so easy, when they're anything but. Consider a window box (if you don't have a yard or patio to enjoy), visit your botanical garden, at the very least, don't replace it when t dies.
#22 Build a Simple Wardrobe:
Men already have simple wardrobes. First, pick a simple, classic style that looks good on you, and then stick with it. Forever. Second, build combinations of outfits that work as a uniform...two or three of the same similar style but in different, muted shades...each item should go with every other item. It is possible to create a simple, functional, feminine wardrobe by following the same principles men follow when it comes to fashion. (Didn't care for third point don't wear jewelry, don't carry a purse and wear only one heel height).
#23 Reduce Your go-Go Entertainment:
Most people come to realize the best things in life are free, and that doing less can mean having more - more serenity, more happiness, more peace of mind. Make a list of the things you and your family really love to do. And then arrange your life so that each day you have time to do as many of the things you like to do as possible.
#30 Don't Answer the Phone Just Because It's Ringing:
Just because it's convenient for someone to call you at this particular time does not necessarily mean it's convenient for you to answer.
#37 Take a Vacation at Home
#39 Live on Half of What You Earn, and Save the Other Half:
We've become a nation of spenders rather than savers. We spend far more than we need to on stuff we don't really require. Start by cutting back 10-15%, gradually building up to 50% over a year or two. Living simply is not a matter of living cheaply or of feeling deprived. On the contrary, it's an opportunity to get in touch with what is really important in your life, and to reach a level of moderation that will create not only a feeling of contentment and security, but also a sense of being in control.
#40 Rethink Your Buying Habits:
Designate one shopping day. Do I/we really need this? Will it just be one more thing to end up in the back of the closet? Delay the major purchases. See how long you can live without it. Try to come up with a creative solution rather than a buying solution to a perceived need.
#52 Do What You Really Want to Do:
Figure out what it is you want to do, and then arrange life so you an do it. It will be worth whatever complications you have to g through to get there, and it will definitely simplify your life in the long run.
#54 Work Less and Enjoy It More:
Cut back on your workday by 10%. Build time into your schedule for interruptions that are unavoidable time robbers in today's business world (phone calls, unplanned meetings, searching for misplaced papers). You will find you get more out of your workday.
#55 Stop the Busy Work:
Prioritize before you start work, and then don't do anything unless it's on your list, a lot of busy work will just evaporate.
#57 Simplify Your Eating Habits:
Healthy and nutritious diet.
#63 Beware Exercise Equipment, Fire Your Personal Trainer and Go Take a Walk:
Every day the expensive equipment or health club membership goes unused, the guilt level rises, which only increase the stress in our lives.We've become so addicted to compulsive, competitive behavior, that we've extended it to exercise, which, theoretically, we do for relaxation, and to improve and maintain our health. Now is the perfect time to get off it and go take a walk.
#67 Create Your Own Rituals:
The type of ritual I am referring to here is any special thing you can do on a regular basis that you look forward to, and that you think about with a happy heart. It's possible that you have been working so hard and moving so fast that you haven't taken the time to incorporate some personalized moments into your day.
#68 Learn to Laugh:
As children, we laugh naturally, but we gradually loose that skill as we become adults. Laughter reduces stress, relieves tension, and soothes the angry heart. Just imagine how much simpler your life would be if you learned to respond to stressful situations with laughter rather than with frustration, or anger or resentment.
#70 Learn to Meditate:
Medication is an effective way to maintain a simple life. Learning to meditate is not easy, nor are the results necessarily immediate. But both the physical and psychological benefits of a sustained meditation program are well known and well documented. They include a much greater ability to deal with the everyday problems we all face, and a calmness and serenity that result from few other disciplines. Most people also find that meditation produces more energy, more restful sleep, an increased ability to concentrate, and an overall feeling of well-being. Learning to mediate will give you a new understanding of your life, and will help you get clear on exactly how you want to live it.
#72 Clean Up Your Relationships:
Get out of a relationship that isn't working.
#73 Just Be Yourself:
Have you ever stopped to think about how much energy you spend - and how much you complicate your life - by pretending to be someone other than who you are? A good exercise is to sit down and go through all the major areas of your life and decide how each would be different if the only person you had to impress was you. How often we are untrue to ourselves because of the pressures of others.
#74 Trust Your Intuition:
All of us come equipped with a still, small voice inside. Unfortunately, our life-styles have become so fast-paced and hectic that many of us have forgotten how to listen to it. Learning to trust it will help keep your life in balance.
#76 Stop Trying to Change People:
We can't change other people. They change when they are good and ready. Most often what people really want is a supportive ear.
#77 Spend One Day a Month in Solitude:
Spending time away from the constant barrage of pressure we face can get us back in touch with what is real, and can help to alleviate the tensions of everyday life.
#81 Do One Thing at a Time:
Do we really get more done by trying to do everything at once? Maybe. Does it really matter? Probably not. Are we happier at this frenetic pace? Most definitely not. Start with a list, a list of things that really matter. Cut the list in half, then pick the most important thing and do it. Then, and only then, go down the list, doing each thing, one at a time. As much as possible, allow no distractions, no interruptions. You can learn to do one thing at a time, better, and happier doing it.
#82 Do Nothing:
It sounds so easy. Start with an hour. The idea is to just be with whatever is going on in your head without having to do anything about it. You'll be amazed at the clarity it will bring to your life.
#84 Just Say No
My weekdays are devoted, for the most part, to my work, and, unavoidably, there are deadlines and obligations I have to meet. But my evenings and weekends are my own. Simply say no. Thank you, no.
(read: When I Say No, I Feel Guilty by Manuel J Smith)
#85 If You Can't Say No, Prevaricate:
"Thanks, but I've got plans for Saturday night."
#87 Learn to Reinterpret the Past:
Constantly reliving past events only complicates your life. Reinterpreting them as positive steps forward, and then moving on, will keep things simple.
#88 Change Your Expectations
#89 Review Your Life Regularly To Keep it Simple:
Maintaining simple life requires a certain amount of vigilance. It is not realistic to go through the steps to simplify your life and then think it will automatically stay simple. Old habits die hard. It's your choice to resist the fast track, whatever or however.
#99 Get Rid of All the Extras:
In no time at all, having extra sets of things can get very complicated.
Friday, October 2, 2009
song ~ not forgotten
Not Forgotten by Twila Paris
When you think your dream is dying
He has not forgotten you
When your body aches from tryin'
He has not forgotten you
When you worry for tomorrow
Even though the sky is blue
See the sun is shining
He has not forgotten you
When July feels like December
He has not forgotten you
When it's painful to remember
He has not forgotten you
When it seems you can not win
And there is not much left to lose
He has got a plan
And He has not forgotten you
He is faithful
He is with you
He is listening
He is love
If your tired flesh has squandered
What your spirit would have saved
And your aimless feet have wandered
Far from all you truly crave
Turn and run toward your Father
Do not wait another day
See His arms are open
And He is calling out your name
And hope will spring eternal
In the homes of those who know
That loving arms will follow
Every where we go
And even in the darkness
His promises are true
Keep this in your heart
He has not... forgotten..... you.
When you think your dream is dying
He has not forgotten you
When your body aches from tryin'
He has not forgotten you
When you worry for tomorrow
Even though the sky is blue
See the sun is shining
He has not forgotten you
When July feels like December
He has not forgotten you
When it's painful to remember
He has not forgotten you
When it seems you can not win
And there is not much left to lose
He has got a plan
And He has not forgotten you
He is faithful
He is with you
He is listening
He is love
If your tired flesh has squandered
What your spirit would have saved
And your aimless feet have wandered
Far from all you truly crave
Turn and run toward your Father
Do not wait another day
See His arms are open
And He is calling out your name
And hope will spring eternal
In the homes of those who know
That loving arms will follow
Every where we go
And even in the darkness
His promises are true
Keep this in your heart
He has not... forgotten..... you.
Tuesday, September 29, 2009
Quotes
The truth is that our finest moments are most likely to occur when we are feeling deeply uncomfortable, unhappy, or unfulfilled. For it is only in such moments, propelled by our discomfort, that we are likely to step out of our ruts and start searching for different ways or truer answers.
- M. Scott Peck
- M. Scott Peck
Monday, September 28, 2009
Handbook for 2009
(this was sent to me by one of my friends and I thought it had some good points to reflect on)
HANDBOOK 2009
Health:
1. Drink plenty of water.
2. Eat breakfast like a king, lunch like a prince and dinner like a beggar.
3. Eat more foods that grow on trees and plants and eat less food that is manufactured in plants.
4. Live with the 3 E's -- Energy, Enthusiasm and Empathy.
5. Make time to pray.
6. Play more games.
7. Read more books than you did in 2008.
8. Sit in silence for at least 10 minutes each day.
9. Sleep for 7 hours.
10. Take a 10-30 minutes walk daily. And while you walk, smile.
Personality:
11. Don't compare your life to others'. You have no idea what their journey is all about.
12. Don't have negative thoughts or things you cannot control. Instead invest your energy in the positive present moment.
13. Don't over do. Keep your limits.
14. Don't take yourself so seriously. No one else does.
15. Don't waste your precious energy on gossip.
16. Dream more while you are awake.
17. Envy is a waste of time. You already have all you need.
18. Forget issues of the past. Don't remind your partner with His/Her mistakes of the past. That will ruin your present happiness.
19. Life is too short to waste time hating anyone. Don't hate others.
20. Make peace with your past so it won't spoil the present.
21. No one is in charge of your happiness except you.
22. Realize that life is a school and you are here to learn. Problems are simply part of the curriculum that appear and fade away like algebra class but the lessons you learn will last a lifetime.
23. Smile and laugh more.
24. You don't have to win every argument. Agree to disagree.
Society:
25. Call your family often.
26. Each day give something good to others.
27. Forgive everyone for everything.
28. Spend time w/ people over the age of 70 & under the age of 6.
29. Try to make at least three people smile each day.
30. What other people think of you is none of your business.
31. Your job won't take care of you when you are sick. Your friends will. Stay in touch.
Life:
32. Do the right thing!
33. Get rid of anything that isn't useful, beautiful or joyful.
34. GOD heals everything...
35. However good or bad a situation is, it will change.
36. No matter how you feel, get up, dress up and show up.
37. The best is yet to come.
38. When you awake alive in the morning, thank GOD for it.
39. Your Inner most is always happy. So, be happy.
Last but not the least:
40. Please forward this to everyone you care about.
(so I put it on my blog for all of you to read)
HANDBOOK 2009
Health:
1. Drink plenty of water.
2. Eat breakfast like a king, lunch like a prince and dinner like a beggar.
3. Eat more foods that grow on trees and plants and eat less food that is manufactured in plants.
4. Live with the 3 E's -- Energy, Enthusiasm and Empathy.
5. Make time to pray.
6. Play more games.
7. Read more books than you did in 2008.
8. Sit in silence for at least 10 minutes each day.
9. Sleep for 7 hours.
10. Take a 10-30 minutes walk daily. And while you walk, smile.
Personality:
11. Don't compare your life to others'. You have no idea what their journey is all about.
12. Don't have negative thoughts or things you cannot control. Instead invest your energy in the positive present moment.
13. Don't over do. Keep your limits.
14. Don't take yourself so seriously. No one else does.
15. Don't waste your precious energy on gossip.
16. Dream more while you are awake.
17. Envy is a waste of time. You already have all you need.
18. Forget issues of the past. Don't remind your partner with His/Her mistakes of the past. That will ruin your present happiness.
19. Life is too short to waste time hating anyone. Don't hate others.
20. Make peace with your past so it won't spoil the present.
21. No one is in charge of your happiness except you.
22. Realize that life is a school and you are here to learn. Problems are simply part of the curriculum that appear and fade away like algebra class but the lessons you learn will last a lifetime.
23. Smile and laugh more.
24. You don't have to win every argument. Agree to disagree.
Society:
25. Call your family often.
26. Each day give something good to others.
27. Forgive everyone for everything.
28. Spend time w/ people over the age of 70 & under the age of 6.
29. Try to make at least three people smile each day.
30. What other people think of you is none of your business.
31. Your job won't take care of you when you are sick. Your friends will. Stay in touch.
Life:
32. Do the right thing!
33. Get rid of anything that isn't useful, beautiful or joyful.
34. GOD heals everything...
35. However good or bad a situation is, it will change.
36. No matter how you feel, get up, dress up and show up.
37. The best is yet to come.
38. When you awake alive in the morning, thank GOD for it.
39. Your Inner most is always happy. So, be happy.
Last but not the least:
40. Please forward this to everyone you care about.
(so I put it on my blog for all of you to read)
Saturday, September 19, 2009
Brian Tracy Quote of the Day
It's the little things that make the big things possible. Only close attention to the fine details of any operation makes the operation first class.
- J. Willard Marriot
- J. Willard Marriot
Sunday, September 13, 2009
rain, rain, rain
Tuesday, September 8, 2009
Real Simple Daily Thought
A good deed is never lost: he who sows courtesy reaps friendship; and he who plants kindness gathers love.
―Basil
―Basil
Monday, September 7, 2009
September 2009 Big Country Camp
Saturday, September 5th, 2009
I headed up to Big Country Camp with Sylvia Woodall. I had hoped to get on the road about 7.30-8am...but I woke up so tired, I decided not to rush like a mad woman about trying to get on the road so I could be at camp in time for meeting. We left Burleson about 9am and had an uneventful drive sharing stories about work and life in general. We arrived to camp about 11.45am and meeting was still going. We got to hear part of Marty Jean's message on Confession. From there, it as lunch. I spent awhile visiting with a few individuals, and had a good long visit with Kay Bishop & Sherry Hudson and we talked business and shared stories about working with staff and the public in the healthcare industry. I then headed to the dorms to get my bed all setup. Then it was time for dinner. Then meeting. Weyman Zelder spoke on Words of the Tongue. It was an excellent message...very good reminders about the ways we can help or hinder in what we say.
a few notes from that message:
The power He has given His people...all for our benefit & for His glory. Death and Life are in the power of the tongue. A word aply spoken. For out of the abundance of the heart the mouth speaks (a good heart vs an evil heart). Prepare the heart...your words reveal who you are. If you control your tongue you can control the whole body. Our heart has to begin with Jesus. That you may know how to answer. Every idle word. Let my words and meditation be acceptible.
Sunday, September 6th, 2009
I woke up about 4.30am in horrific pain. I wasn't sure what was wrong with me, I knew I had gone to bed not feeling well, but I knew if the pain continued much further, I was going to have to wake someone and get them to take me in to a clinic or hospital to get checked out. Thankfully, that didn't last. After everyone woke up, Brenda & Betty were concerned that maybe I was having an appendicitis attack since the extreme pain was on my right side. I decided to lay in bed and try to get a bit more sleep before meeting. I did this and felt some better. Jeff Grove spoke both the morning and evening message this day. Later in the day I had a talk with LuAnne Woods. She said I was probably either fighting kidney stones or a kidney infection. I visited with a group of ladies and we had a good time talking about thrift shopping, Dave Ramsey's program that I took, how certain things are hard to find when shopping for different figures, etc. I also had a short visit with Brittney and also Shelley. As the day wore on, I got more and more exhausted and it was harder to cope, but I tried to do my best without complaining. ;) I laid down a couple times to make it thru and ended up leaving the evening meeting about 11.30pm to head to bed because I just couldn't make it any more, the pain was bad and I needed my bed.
a few notes from the morning message:
Children sang "All that I need is my faith in Jesus, all that I need is my home above, all that I need is my Fathers mercy, all that I need is my Saviors love." Are you crucified with Jesus? Satan hates what Jesus Christ has done for me...but God is greater than Satan. Picture yourself at your end...it will come quickly. Am I going to fear the Lord or do what I want to do & serve myself. We quickly forget I'm crucifed with Christ...our reasonable service. The filthiness of the world torrments us, draws us away, tempts us, etc. Does your life demonstrate that God is all you need (as the children sang)? Jesus brought life...the world brings heartach and scars. It is just the little things because it is a lack of walking in his ways. Don't live a life like Lot. Yes, God delivered him but he lost so much. Its time to clean house and rid ourselves of compromise. The narrow and difficult way brings blessings. Are you mixing godliness & worldliness? service & pleasure? Godliness is outward...contentment is inward. Satan is going to corrupt your picture of what you want thru your lusts & desires. The truth from Gods word is what makes your picture happen. You just get one time.
a few notes from the evening message:
The opportunity we have to get wisdom and understanding. Are you passed feeling? You can't have the world and have purity & respect for God. Expel the wicked person among you. Serve the Lord without distractions. Don't fall into the category of knowing God but not glorifing Him. God is faithful to His Word. When we get to the point Gods word is too strong for us, we have issues. There are consequences. Be constraigned by the word of God. Start with an understanding and stay on the job. Don't frustrate the work of God in your life. You have been forgiven and redeemed. My Savior will never think laughing at immorality is funny. Build an environment of sanctification to build soberness and carefulness. Prepare yourself so you will be victorious. Be a servant, care for those with a need for support.
Monday, September 7th, 2009
I slept in again and then began the process of packing up to head home. I was feverish and felt awful. I headed out a few minutes before 11am. I called a few people on my drive home to keep me going. The only two I talked to were Phyllis Fostrey and my Granma Omi as nobody else I called answered the phone. I got home and unloaded the car, then took a nap and spent the rest of the day resting because I was in too much pain. I had originally planned on coming home to get some work done, but that didn't happen.
All in all, camp was good and I am glad I went even though I was really tired and had physical pain to deal with.
I headed up to Big Country Camp with Sylvia Woodall. I had hoped to get on the road about 7.30-8am...but I woke up so tired, I decided not to rush like a mad woman about trying to get on the road so I could be at camp in time for meeting. We left Burleson about 9am and had an uneventful drive sharing stories about work and life in general. We arrived to camp about 11.45am and meeting was still going. We got to hear part of Marty Jean's message on Confession. From there, it as lunch. I spent awhile visiting with a few individuals, and had a good long visit with Kay Bishop & Sherry Hudson and we talked business and shared stories about working with staff and the public in the healthcare industry. I then headed to the dorms to get my bed all setup. Then it was time for dinner. Then meeting. Weyman Zelder spoke on Words of the Tongue. It was an excellent message...very good reminders about the ways we can help or hinder in what we say.
a few notes from that message:
The power He has given His people...all for our benefit & for His glory. Death and Life are in the power of the tongue. A word aply spoken. For out of the abundance of the heart the mouth speaks (a good heart vs an evil heart). Prepare the heart...your words reveal who you are. If you control your tongue you can control the whole body. Our heart has to begin with Jesus. That you may know how to answer. Every idle word. Let my words and meditation be acceptible.
Sunday, September 6th, 2009
I woke up about 4.30am in horrific pain. I wasn't sure what was wrong with me, I knew I had gone to bed not feeling well, but I knew if the pain continued much further, I was going to have to wake someone and get them to take me in to a clinic or hospital to get checked out. Thankfully, that didn't last. After everyone woke up, Brenda & Betty were concerned that maybe I was having an appendicitis attack since the extreme pain was on my right side. I decided to lay in bed and try to get a bit more sleep before meeting. I did this and felt some better. Jeff Grove spoke both the morning and evening message this day. Later in the day I had a talk with LuAnne Woods. She said I was probably either fighting kidney stones or a kidney infection. I visited with a group of ladies and we had a good time talking about thrift shopping, Dave Ramsey's program that I took, how certain things are hard to find when shopping for different figures, etc. I also had a short visit with Brittney and also Shelley. As the day wore on, I got more and more exhausted and it was harder to cope, but I tried to do my best without complaining. ;) I laid down a couple times to make it thru and ended up leaving the evening meeting about 11.30pm to head to bed because I just couldn't make it any more, the pain was bad and I needed my bed.
a few notes from the morning message:
Children sang "All that I need is my faith in Jesus, all that I need is my home above, all that I need is my Fathers mercy, all that I need is my Saviors love." Are you crucified with Jesus? Satan hates what Jesus Christ has done for me...but God is greater than Satan. Picture yourself at your end...it will come quickly. Am I going to fear the Lord or do what I want to do & serve myself. We quickly forget I'm crucifed with Christ...our reasonable service. The filthiness of the world torrments us, draws us away, tempts us, etc. Does your life demonstrate that God is all you need (as the children sang)? Jesus brought life...the world brings heartach and scars. It is just the little things because it is a lack of walking in his ways. Don't live a life like Lot. Yes, God delivered him but he lost so much. Its time to clean house and rid ourselves of compromise. The narrow and difficult way brings blessings. Are you mixing godliness & worldliness? service & pleasure? Godliness is outward...contentment is inward. Satan is going to corrupt your picture of what you want thru your lusts & desires. The truth from Gods word is what makes your picture happen. You just get one time.
a few notes from the evening message:
The opportunity we have to get wisdom and understanding. Are you passed feeling? You can't have the world and have purity & respect for God. Expel the wicked person among you. Serve the Lord without distractions. Don't fall into the category of knowing God but not glorifing Him. God is faithful to His Word. When we get to the point Gods word is too strong for us, we have issues. There are consequences. Be constraigned by the word of God. Start with an understanding and stay on the job. Don't frustrate the work of God in your life. You have been forgiven and redeemed. My Savior will never think laughing at immorality is funny. Build an environment of sanctification to build soberness and carefulness. Prepare yourself so you will be victorious. Be a servant, care for those with a need for support.
Monday, September 7th, 2009
I slept in again and then began the process of packing up to head home. I was feverish and felt awful. I headed out a few minutes before 11am. I called a few people on my drive home to keep me going. The only two I talked to were Phyllis Fostrey and my Granma Omi as nobody else I called answered the phone. I got home and unloaded the car, then took a nap and spent the rest of the day resting because I was in too much pain. I had originally planned on coming home to get some work done, but that didn't happen.
All in all, camp was good and I am glad I went even though I was really tired and had physical pain to deal with.
Tuesday, September 1, 2009
Real Simple Daily Thought
A teacher is a compass that activates the magnets of curiosity, knowledge, and wisdom in the pupils. -Ever Garrison
Thursday, August 20, 2009
Brian Tracy Quote of the Day
There are no shortcuts to any place worth going.
~Beverly Sills, Opera Singer
~Beverly Sills, Opera Singer
Sunday, August 16, 2009
Quotes
Believe & Succeed
We cannot change yesterday. We can only make the most of today and look with hope toward tomorrow.
We cannot change yesterday. We can only make the most of today and look with hope toward tomorrow.
Saturday, August 15, 2009
song ~ Lest I Forget
Lest I Forget
Rebecca St. James
I, I sit in silence here
I'm filled with wonder once again
I'm overwhelmed by Your beautiful love
Now I, I'm falling to my knees, so grateful for the grace You give
The love I need I've found in you
Lest I forget
All of Your goodness
The blood You have shed
The cross I now remember
Lest I forget
Lord, You wept tears of blood for me
You hung in agony so deep
Carried my sin away for good
Now I, I take this bread and wine
Remembering You love divine
You walked through fire to free my soul
Lest I forget
All of your goodness
The blood you have shed
The cross I now remember
Lest I forget
Lest I forget
All of your goodness
The blood you have shed
The cross I now remember
Lest I
Lest I forget
All of your goodness
The blood you have shed
The cross I now remember
Lest I forget
Lest I forget
Lord, You, wept tears of blood for me
Carried my sin away for good
Walked through the fire to free my soul
I sit in silence here
The cross I now remember
Lest I forget
© 2005 Forefront
Rebecca St. James
I, I sit in silence here
I'm filled with wonder once again
I'm overwhelmed by Your beautiful love
Now I, I'm falling to my knees, so grateful for the grace You give
The love I need I've found in you
Lest I forget
All of Your goodness
The blood You have shed
The cross I now remember
Lest I forget
Lord, You wept tears of blood for me
You hung in agony so deep
Carried my sin away for good
Now I, I take this bread and wine
Remembering You love divine
You walked through fire to free my soul
Lest I forget
All of your goodness
The blood you have shed
The cross I now remember
Lest I forget
Lest I forget
All of your goodness
The blood you have shed
The cross I now remember
Lest I
Lest I forget
All of your goodness
The blood you have shed
The cross I now remember
Lest I forget
Lest I forget
Lord, You, wept tears of blood for me
Carried my sin away for good
Walked through the fire to free my soul
I sit in silence here
The cross I now remember
Lest I forget
© 2005 Forefront
Monday, July 27, 2009
Real Simple Daily Thought
weekends don't count unless you spend them doing something completely pointless
~ Bill Watterson
Tuesday, July 21, 2009
Friday, July 10, 2009
I'M DEBT FREE!!!
oKAY, so you think I am crazy? weird? absolutely nuts to be shouting out to you: I'M DEBT FREE!!!!!!! but secretly, you are jealous. I'm jealous for you to be too! I would be glad to share my materials with you and be there to encourage you along the way and sponsor you on this debt free goal, so if you are interested - jump right in and you can join me in being DEBT forever free!!! Let me tell you, the blood sweating painstaking extremely freakin hard, hard, exhausted hard work til you thought you were going to keel over dead is absolutely 100%, hands down (really I mean hands up), so worth it. TODAY, I celebrate! I am debt free other than my house. Yup, took one year of not having a life at all to achieve this...but I did it! No regrets. Not one! So you ask...what made you decide to do this??? and why??? Lemme tell you, my story...
I started working as a Part Time File Clerk in California, March 1996. I made $6 an hour, and only worked part time for the first day. I rode the bus to work, cost me $1 each way and lots of time sitting on the route; but I stashed money away like nobody's business. I was going to buy a car someday so I didn't have to keep riding this dumb bus with crazy people. Over the course of working, my tasks changed and I remained full time, never seeing a part time shift except my first day of work. At a year, I got a raise to $7 an hour. A year and 5 months later, things changed, my granma offered to cosign on a car for me so I could get me some wheels. This same month I got offered a job at a business in the same complex a few suites down, for $8 an hour as a Medical Biller. I made the $450 a month payments on my car, extra and many times double and got the car paid off in only 2 years spending 1K in interest. In 1997, I got my first credit card, one of those Walmart Secured Credit Cards where the money you invest in this mutual fund is your credit limit. I was doing well, so I thought, I had 6K in the bank; do the math, you will see that I lived on very, very, very little. After 3 months at this new job, I moved to Texas and got a job as a Receptionist making $9 an hour. I opened up a Mutual Fund account and started Investing, just a small bit, but it was a start. The job had lots of stress, no room for advancement, I left and took a small cut in pay to $8.75 an hour as a Receptionist in the Accounting Department. This company believed in raises and advancing internally, but was so full of office bureaucracy that I never liked my job, but I stuck it out to gain more experience and better myself. I got promoted to the Adjustments/Collections Clerk when the position opened. I loved both boses I had at this job, they were real role models for me in many ways, so they made it worth all the grief of the company issues. Eventually, I found a better paying position and at the end of my employement there I was making $10.30 an hour. My new job was as a Data Entry/Billing Clerk and I started at $12 an hour. Again, I got promoted within a short time and took on more tasks and became the Reimbursement/Collections Clerk for $13 an hour. I got hefty bonuses for working old AR, basicly a percentage of everything over 90days old that I collected. I even got a raise to $15 an hour due to my fabulous efforts. When I say fabulous efforts, I got two checks into the agency at 62K and 65K! The owner thought this money was lost, so you can see I made them absolutely thrilled with me. This is about the time my lifestyle started changing. I saw many of my peers eating out all the time. I had been limiting myself to once a week, but what for? If they could do it, surely I didn't need to be so frugile, you lived only once, right? so I could too. Why was I saving all my money only to have some guy come along and think he could marry me and make it his too and blow it how he wanted? NOPE - I guarantee you, that wasn't happening...not a chance of it in my life! I wasn't going to be the one to make his future bright and shinning with dough and let him take the credit for it. I became more aware of the Jones's, got tired of the status put on those who had new clothes and how cute they were raved over when they wore them, and started accumulating things. Nice Things. I am not saying expensive things, I am saying good to have things that you can get at Target, Pier 1, Container Store, Ross, eBay, thrift stores and other new stores. Good Things like collections of books, stash of yarn to knit, lots of clear vases of different shapes and sizes, lots and lots of picture frames, clocks of all types, white pottery/kitchen ware, almost two of everything (sleeping bags, bedding, lawnchairs, etc). I told myself I would get my house equipped fully before I ever built one which was a dream I had, maybe even still have. I always paid my credit card off, so I wasn't worried about my spending habits, why should I? Yahright, of course I was but I flat out didn't care. I made good money, still saved money, but I had extra so I could spend it the way I wanted to you see. Nobody could tell me no, sure they might make their comments, but its just because they were jealous, or didn't care for my things, or thought I had too much, or whatever; I seriously didn't think it was because they thought it was so wrong to have things because I didn't believe that I was covetous. They had "things" I didn't have - you know husband to spend an evening with, kids to hug & kiss, family to chat on the phone with and spend long weekends with, so why were they making comments about me??? Everyone has these things called opinions that they express so freely whether you want them or not, so I went on with my life...I simply wanted the good life. A good life to the best of my ability within reason. Never having had things very much in my childhood I held onto every little thing I did have. I sold my car and got a new, brand new, one. I did well to get almost 4K off the price. This time, I qualified on my own for the loan and did the same thing I did before, made extra and/or double payments on it and paid it off in 2 years also. I went on this way for many years, like probably 5 or 6 or so with spending money how I pleased. During this time frame, my current job was struggling, a lot! My paychecks bounced for 3 months in a row and it took a month to get the funds to be good. I made them pay my return check and bank fees because of this, but this meant I had to tighten up the belt and have a full months pay in checking so I could float everything. Okay, it really wasn't too bad to deal with because I was still living within my means. It appeared we were going to get bought out, none of us new if our position would be kept after the buyout, the new guys came in and interviewed each of us, but we didn't learn a peep out of them! So, I decided to find a new job, yah what a novel idea! I landed one, same pay, same type of work and life rolled on. During this time frame I also was doing a project for my christian fellowship and was upfronting the costs and not receiving reimbursement for a good year or more. I had the funds, but really didn't know where they were going and with the other spending habits I had developed, money went in and out very easily. Then I got to thinking, I needed to do better with money. I attended a free seminar in Fort Worth titled Smart Woman Finish Rich seminar by David Bach, with one of my coworkers and it motivated me to take a serious look at my "Latte Factor" and "Pay Myself First" and I got some more advise from a new financial advisor (but stayed with my current advisor) and started investing again, with more money. I bought property, 2 pieces of land with the intentions that someday I would billed a house. I was determined to pay this 4 year note off in 2 years, just like I did my cars. But life changed. Part of the land was purchased with a cash advancement from my credit card to do the remaining down payment because I didn't want to take it out of savings. Ugh, MiStAkE! Wouldn't have been such a bad idea if I agressively had paid it down, but I didn't. I had medical bills and some more medical bills...I wasn't able to make my payments in full and this is when I got irritated with myself, frustrated that I felt overspent with my money, but then would tell myself it was all for a good cause and I had legitimate things so it wasn't like I was just blowing my money on junk. And what did I do? Stop buying anything I didn't have to have??? Nope. I went and bought more things when the cash flow got better instead of saving for a rainy day!!! People told me that I was doing really well, and on one hand I thought I was too and on the other I didn't like my situation for one moment - but how do you change now? I didn't see any way, you just keep plodding along on this journey. I continued to save a small amount of money monthly, decreased my monthly investments a bit to make my land payments. Consequently the land did not get paid off in 2 years, it took the full 4 years. Then in the midst of all this, my business fell apart, I had no work & no income. I was doing anything to make ends meet. Paint your bedroom? laundry room? I will do it! Tear wallpaper off rooms in a house you are remodeling? I will do it! Worked for $8 an hour doing these things and took temp jobs from $11.50 to $15 an hour. I would have a job for two weeks and then the project would be done and then I might go up to six weeks with no work, then I might get an assignment that would last 6 weeks. I got stressed, I got majorly frustrated with myself all around, but nobody knew. I just worked thru the discouragement and feelings of being a failure and just looked like this hard working individual. I struggled like this for 11 months!!! I finally landed a job, the worst job I EVER HAD! But I needed the money and was so determined to succeed and make ends meet as now I had to have it, every bit of the income. The benefits were decent, though no health insurance policy, and the pay was great...so I kept to my task. I decided I was done with debt. I was going to get rid of all my credit card debt. I cut extras, I did without and I learned to be happy with no buying of things, or so I told myself. But deep down, I wasn't happy. My friends had husbands, they had vacations, they had trips planned to do fun things, they had beautiful houses, lovely new clothes! I hadn't let God take control of my life, I had made things important to me and I was still trying to do it my way. Then, I got a tip from a friend about this really cute house that she and her husband saw and she so wished I was at the point that I wanted to buy, because it was so cute! I went and looked at it, talked to my mentor, he thought I should bid on it, I wasn't prequalified, so I had to get that done, like right now, today because bidding closed on this foreclosed home in a little over 24hrs...went the next day and looked at it again, then off to realtors office and completed paperwork. The next day I was notified that I was the top winner of 4 bids on the house, I was now a home owner! I was so excited!!! A place to call my own, but oh, so much to learn about this process...and then the feelings of "what the heck did I just do?"...my land is not paid for? and I have credit card debt! I decided to cash in my mutual funds for a down payment and the remodel of the house. This more than adequately covered these things and I thought I had it all under control. Then murphy came to visit...air-conditioner went out on the house, pool had many issues and repairs had to be done to get it in working order, car had a few repairs, I had more medical bills and seriously had barely any money left in the savings account and zero in the mutual fund account. For the first time in years, I was nearly broke. How was I going to pay for these things? Yup, you know the answer, I slapped them on the credit card. It is then I decided I was done, totally done with my lifestyle. Or was I? I said I was...but in my heart I had expectations of what my house needed to look like when my friends came over. The yard needed attention before I could host the party you know. I needed little to no furnishings - just bar stools for the kitchen and a rug for the living room...the rest, I already had...but the yard??? It really needed some help. So I spent money on greenery for the outside. It was a cycle that I went thru, crack down no spending and do really well for 3-4 months and then spend some money. Say I wasn't going to do that again, and then something else would need fixing and I was forced to spend money. Overall the result was much improved, but not good enough. I finally got really determined and was limiting my spending. For reals this time. It was during this time frame when I was very focused on cutting my expenses that the job I held got down to a financial crisis and my boss asked us to be patient with him, but he could not meet payroll. I knew whether or not I was ready for reals or not, it was time to find another job, I had to have my income. And I found one, one that was closer to home and where I made an hourly wage and was no longer salaried and I had health insurance benefits. All this was a great plus. I had been used to being salaried for so long that this change took a little bit of getting used to but for the first 7 months, I had overtime and that helped with the expense cutting. Not 3 months into this new job, is when I got called from a previous employer to assist with the medical billing of her practice for a month while her biller had surgery. I knew I couldn't say no, I needed the money to apply to getting out of debt. I worked very long days, up and off to my regular full time job and then to my second job after that working until I felt I couldn't think or see straight any more, getting home about midnight or later and crashing in bed and doing it all over again the next day...6days a week. There was so much work to be done and I felt I needed to make the most of the opportunity for extra income. The plan slowly changed, the physician needed me to find her cash flow issues. I did. She exteneded the cleanup work project I was assigned to as she released the biller from working for her. We agreed that I would work for her doing this cleanup and complete it so she could hire an agency to take it over. So I continued the massive gruleing schedule, being paid as an employee and making the most of all I could find in work to get the task done and the debt a bit lower. Knowing that all the while it was helping reduce my debt. At this time, I really didn't know where I was financially. I had quit staying current in my Quicken and really wasn't sure I wanted to know my real financial state, no I was sure I didn't. I then decided I needed to get myself caught up for the year, face reality and make a plan. I did. The results, not pretty! Downright pitiful. Sure Quicken showed I had a nice net worth, but really did I if you looked at my debts vs savings? No. In many ways, it was suffocating when you looked at the figure. I thought I could get out of debt in six months, not really even logically probable. After 8weeks of this regime, with 2 more weeks to go, the physician and I agreed (after several conversations) that I would gladly be that billing agency and my business that I had never dissolved, Medical Account Solutions, would be back in business doing Accurate Medical Billing & Collection Services for her practice. This was my chance to get out of debt and it was going to take some long hard hours, and hours and hours, of work to achieve it. But I was determined once and for all to make a change. I had made tremendous progress at this and was 50% out of debt when a coworker told me about a course offered by Dave Ramsey called Financial Peace University thru her church. I asked if I could attend, she said she would check. She notified me that I could and that the cost was $97. Wow!!! When you are not spending on cent, that is a heck of a lot of money...could I do it? Though I know many money principals and have lots of knowledge, I felt it would be good for me to stay motivated and learn more. When you really wish to change bad habits, you will. As Larry Balderson says, you will never possess what you are unwilling to pursue. I thought about it for a week and decided yes, I could do it, really had to do it, but more than that I wanted to do it! The membership was for life so if I wanted to take the class again, I could. I learned several things in the class which I will share. Dave says in his class on finances that it is 20% head knowledge, 80% action and if you don't control your money it will control you! or as Zig Ziggler says, ifyou aim at nothing, you'll hit it every time. Dave is very zealous for God and encourages others to be so too. Dave has been thru bankruptcy and he has experience first hand that I will hopefully never have. Even in my finanical state, I have NEVER had a creditor call me and if late on a payment by accident, it has always been reversed. I learned several things int he class or found insightful and reasons for recommendation to others:
1. even if you are single, have someone you are accountible to who will work with you and hlep you with a budget and major purchases, if you are married - you both have to be on the same page, period.
2. how men & woman face money and handle money, how to view money, you work too hard to be broke
3. you MUST live on a realistic budget
4. save 15% of your income, period
5. research your purchases, don't be afraid to shop for a bargain or make an offer
6. lots of statistics and data that will inspire you to save $$$ at a young age, shortcuts are the wrong attitude
7. how "normal" people live and why you want to be different, normal is broke
8. the last 6 months are the most expensive time of your life, how to plan for this
9. types of insurance to have, how to shop for, what is good vs bad, etc
10. explanation of investments - KISS keep it simple stupid (silly)
11. understand yourself, strengths & weaknesses, commit to a lifelong change
12 remember God owns it all, we are asset managers, this affects how you relate to money (the live example was awesome)
I think the most memoriable of all was the video where he acted out "gazelle intensity". I was in tears - for more reasons than one.
The class was not hard, there was weekly homework, but it wasn't remendous and I always got it done even working two jobs! If you listen to Dave regularly on his radio show (which I don't because of my work schedule), you will learn many of his principals by listening to it with the live examples. You can watch some o fhis previous shows on the Fox Business network at http://www.hulu.com/. You could probably get all this data through various resources of books, talking to people and doing online research; but he does a great job at the way he presents the class and his points and there are no words for his experience, both personally and thru his business. Obviously the class spurred me on to keep to my goals and set new habits, patterns and learn many things about me which was the most important thing I could have gotten out of the class. So today I tell you
I started working as a Part Time File Clerk in California, March 1996. I made $6 an hour, and only worked part time for the first day. I rode the bus to work, cost me $1 each way and lots of time sitting on the route; but I stashed money away like nobody's business. I was going to buy a car someday so I didn't have to keep riding this dumb bus with crazy people. Over the course of working, my tasks changed and I remained full time, never seeing a part time shift except my first day of work. At a year, I got a raise to $7 an hour. A year and 5 months later, things changed, my granma offered to cosign on a car for me so I could get me some wheels. This same month I got offered a job at a business in the same complex a few suites down, for $8 an hour as a Medical Biller. I made the $450 a month payments on my car, extra and many times double and got the car paid off in only 2 years spending 1K in interest. In 1997, I got my first credit card, one of those Walmart Secured Credit Cards where the money you invest in this mutual fund is your credit limit. I was doing well, so I thought, I had 6K in the bank; do the math, you will see that I lived on very, very, very little. After 3 months at this new job, I moved to Texas and got a job as a Receptionist making $9 an hour. I opened up a Mutual Fund account and started Investing, just a small bit, but it was a start. The job had lots of stress, no room for advancement, I left and took a small cut in pay to $8.75 an hour as a Receptionist in the Accounting Department. This company believed in raises and advancing internally, but was so full of office bureaucracy that I never liked my job, but I stuck it out to gain more experience and better myself. I got promoted to the Adjustments/Collections Clerk when the position opened. I loved both boses I had at this job, they were real role models for me in many ways, so they made it worth all the grief of the company issues. Eventually, I found a better paying position and at the end of my employement there I was making $10.30 an hour. My new job was as a Data Entry/Billing Clerk and I started at $12 an hour. Again, I got promoted within a short time and took on more tasks and became the Reimbursement/Collections Clerk for $13 an hour. I got hefty bonuses for working old AR, basicly a percentage of everything over 90days old that I collected. I even got a raise to $15 an hour due to my fabulous efforts. When I say fabulous efforts, I got two checks into the agency at 62K and 65K! The owner thought this money was lost, so you can see I made them absolutely thrilled with me. This is about the time my lifestyle started changing. I saw many of my peers eating out all the time. I had been limiting myself to once a week, but what for? If they could do it, surely I didn't need to be so frugile, you lived only once, right? so I could too. Why was I saving all my money only to have some guy come along and think he could marry me and make it his too and blow it how he wanted? NOPE - I guarantee you, that wasn't happening...not a chance of it in my life! I wasn't going to be the one to make his future bright and shinning with dough and let him take the credit for it. I became more aware of the Jones's, got tired of the status put on those who had new clothes and how cute they were raved over when they wore them, and started accumulating things. Nice Things. I am not saying expensive things, I am saying good to have things that you can get at Target, Pier 1, Container Store, Ross, eBay, thrift stores and other new stores. Good Things like collections of books, stash of yarn to knit, lots of clear vases of different shapes and sizes, lots and lots of picture frames, clocks of all types, white pottery/kitchen ware, almost two of everything (sleeping bags, bedding, lawnchairs, etc). I told myself I would get my house equipped fully before I ever built one which was a dream I had, maybe even still have. I always paid my credit card off, so I wasn't worried about my spending habits, why should I? Yahright, of course I was but I flat out didn't care. I made good money, still saved money, but I had extra so I could spend it the way I wanted to you see. Nobody could tell me no, sure they might make their comments, but its just because they were jealous, or didn't care for my things, or thought I had too much, or whatever; I seriously didn't think it was because they thought it was so wrong to have things because I didn't believe that I was covetous. They had "things" I didn't have - you know husband to spend an evening with, kids to hug & kiss, family to chat on the phone with and spend long weekends with, so why were they making comments about me??? Everyone has these things called opinions that they express so freely whether you want them or not, so I went on with my life...I simply wanted the good life. A good life to the best of my ability within reason. Never having had things very much in my childhood I held onto every little thing I did have. I sold my car and got a new, brand new, one. I did well to get almost 4K off the price. This time, I qualified on my own for the loan and did the same thing I did before, made extra and/or double payments on it and paid it off in 2 years also. I went on this way for many years, like probably 5 or 6 or so with spending money how I pleased. During this time frame, my current job was struggling, a lot! My paychecks bounced for 3 months in a row and it took a month to get the funds to be good. I made them pay my return check and bank fees because of this, but this meant I had to tighten up the belt and have a full months pay in checking so I could float everything. Okay, it really wasn't too bad to deal with because I was still living within my means. It appeared we were going to get bought out, none of us new if our position would be kept after the buyout, the new guys came in and interviewed each of us, but we didn't learn a peep out of them! So, I decided to find a new job, yah what a novel idea! I landed one, same pay, same type of work and life rolled on. During this time frame I also was doing a project for my christian fellowship and was upfronting the costs and not receiving reimbursement for a good year or more. I had the funds, but really didn't know where they were going and with the other spending habits I had developed, money went in and out very easily. Then I got to thinking, I needed to do better with money. I attended a free seminar in Fort Worth titled Smart Woman Finish Rich seminar by David Bach, with one of my coworkers and it motivated me to take a serious look at my "Latte Factor" and "Pay Myself First" and I got some more advise from a new financial advisor (but stayed with my current advisor) and started investing again, with more money. I bought property, 2 pieces of land with the intentions that someday I would billed a house. I was determined to pay this 4 year note off in 2 years, just like I did my cars. But life changed. Part of the land was purchased with a cash advancement from my credit card to do the remaining down payment because I didn't want to take it out of savings. Ugh, MiStAkE! Wouldn't have been such a bad idea if I agressively had paid it down, but I didn't. I had medical bills and some more medical bills...I wasn't able to make my payments in full and this is when I got irritated with myself, frustrated that I felt overspent with my money, but then would tell myself it was all for a good cause and I had legitimate things so it wasn't like I was just blowing my money on junk. And what did I do? Stop buying anything I didn't have to have??? Nope. I went and bought more things when the cash flow got better instead of saving for a rainy day!!! People told me that I was doing really well, and on one hand I thought I was too and on the other I didn't like my situation for one moment - but how do you change now? I didn't see any way, you just keep plodding along on this journey. I continued to save a small amount of money monthly, decreased my monthly investments a bit to make my land payments. Consequently the land did not get paid off in 2 years, it took the full 4 years. Then in the midst of all this, my business fell apart, I had no work & no income. I was doing anything to make ends meet. Paint your bedroom? laundry room? I will do it! Tear wallpaper off rooms in a house you are remodeling? I will do it! Worked for $8 an hour doing these things and took temp jobs from $11.50 to $15 an hour. I would have a job for two weeks and then the project would be done and then I might go up to six weeks with no work, then I might get an assignment that would last 6 weeks. I got stressed, I got majorly frustrated with myself all around, but nobody knew. I just worked thru the discouragement and feelings of being a failure and just looked like this hard working individual. I struggled like this for 11 months!!! I finally landed a job, the worst job I EVER HAD! But I needed the money and was so determined to succeed and make ends meet as now I had to have it, every bit of the income. The benefits were decent, though no health insurance policy, and the pay was great...so I kept to my task. I decided I was done with debt. I was going to get rid of all my credit card debt. I cut extras, I did without and I learned to be happy with no buying of things, or so I told myself. But deep down, I wasn't happy. My friends had husbands, they had vacations, they had trips planned to do fun things, they had beautiful houses, lovely new clothes! I hadn't let God take control of my life, I had made things important to me and I was still trying to do it my way. Then, I got a tip from a friend about this really cute house that she and her husband saw and she so wished I was at the point that I wanted to buy, because it was so cute! I went and looked at it, talked to my mentor, he thought I should bid on it, I wasn't prequalified, so I had to get that done, like right now, today because bidding closed on this foreclosed home in a little over 24hrs...went the next day and looked at it again, then off to realtors office and completed paperwork. The next day I was notified that I was the top winner of 4 bids on the house, I was now a home owner! I was so excited!!! A place to call my own, but oh, so much to learn about this process...and then the feelings of "what the heck did I just do?"...my land is not paid for? and I have credit card debt! I decided to cash in my mutual funds for a down payment and the remodel of the house. This more than adequately covered these things and I thought I had it all under control. Then murphy came to visit...air-conditioner went out on the house, pool had many issues and repairs had to be done to get it in working order, car had a few repairs, I had more medical bills and seriously had barely any money left in the savings account and zero in the mutual fund account. For the first time in years, I was nearly broke. How was I going to pay for these things? Yup, you know the answer, I slapped them on the credit card. It is then I decided I was done, totally done with my lifestyle. Or was I? I said I was...but in my heart I had expectations of what my house needed to look like when my friends came over. The yard needed attention before I could host the party you know. I needed little to no furnishings - just bar stools for the kitchen and a rug for the living room...the rest, I already had...but the yard??? It really needed some help. So I spent money on greenery for the outside. It was a cycle that I went thru, crack down no spending and do really well for 3-4 months and then spend some money. Say I wasn't going to do that again, and then something else would need fixing and I was forced to spend money. Overall the result was much improved, but not good enough. I finally got really determined and was limiting my spending. For reals this time. It was during this time frame when I was very focused on cutting my expenses that the job I held got down to a financial crisis and my boss asked us to be patient with him, but he could not meet payroll. I knew whether or not I was ready for reals or not, it was time to find another job, I had to have my income. And I found one, one that was closer to home and where I made an hourly wage and was no longer salaried and I had health insurance benefits. All this was a great plus. I had been used to being salaried for so long that this change took a little bit of getting used to but for the first 7 months, I had overtime and that helped with the expense cutting. Not 3 months into this new job, is when I got called from a previous employer to assist with the medical billing of her practice for a month while her biller had surgery. I knew I couldn't say no, I needed the money to apply to getting out of debt. I worked very long days, up and off to my regular full time job and then to my second job after that working until I felt I couldn't think or see straight any more, getting home about midnight or later and crashing in bed and doing it all over again the next day...6days a week. There was so much work to be done and I felt I needed to make the most of the opportunity for extra income. The plan slowly changed, the physician needed me to find her cash flow issues. I did. She exteneded the cleanup work project I was assigned to as she released the biller from working for her. We agreed that I would work for her doing this cleanup and complete it so she could hire an agency to take it over. So I continued the massive gruleing schedule, being paid as an employee and making the most of all I could find in work to get the task done and the debt a bit lower. Knowing that all the while it was helping reduce my debt. At this time, I really didn't know where I was financially. I had quit staying current in my Quicken and really wasn't sure I wanted to know my real financial state, no I was sure I didn't. I then decided I needed to get myself caught up for the year, face reality and make a plan. I did. The results, not pretty! Downright pitiful. Sure Quicken showed I had a nice net worth, but really did I if you looked at my debts vs savings? No. In many ways, it was suffocating when you looked at the figure. I thought I could get out of debt in six months, not really even logically probable. After 8weeks of this regime, with 2 more weeks to go, the physician and I agreed (after several conversations) that I would gladly be that billing agency and my business that I had never dissolved, Medical Account Solutions, would be back in business doing Accurate Medical Billing & Collection Services for her practice. This was my chance to get out of debt and it was going to take some long hard hours, and hours and hours, of work to achieve it. But I was determined once and for all to make a change. I had made tremendous progress at this and was 50% out of debt when a coworker told me about a course offered by Dave Ramsey called Financial Peace University thru her church. I asked if I could attend, she said she would check. She notified me that I could and that the cost was $97. Wow!!! When you are not spending on cent, that is a heck of a lot of money...could I do it? Though I know many money principals and have lots of knowledge, I felt it would be good for me to stay motivated and learn more. When you really wish to change bad habits, you will. As Larry Balderson says, you will never possess what you are unwilling to pursue. I thought about it for a week and decided yes, I could do it, really had to do it, but more than that I wanted to do it! The membership was for life so if I wanted to take the class again, I could. I learned several things in the class which I will share. Dave says in his class on finances that it is 20% head knowledge, 80% action and if you don't control your money it will control you! or as Zig Ziggler says, ifyou aim at nothing, you'll hit it every time. Dave is very zealous for God and encourages others to be so too. Dave has been thru bankruptcy and he has experience first hand that I will hopefully never have. Even in my finanical state, I have NEVER had a creditor call me and if late on a payment by accident, it has always been reversed. I learned several things int he class or found insightful and reasons for recommendation to others:
1. even if you are single, have someone you are accountible to who will work with you and hlep you with a budget and major purchases, if you are married - you both have to be on the same page, period.
2. how men & woman face money and handle money, how to view money, you work too hard to be broke
3. you MUST live on a realistic budget
4. save 15% of your income, period
5. research your purchases, don't be afraid to shop for a bargain or make an offer
6. lots of statistics and data that will inspire you to save $$$ at a young age, shortcuts are the wrong attitude
7. how "normal" people live and why you want to be different, normal is broke
8. the last 6 months are the most expensive time of your life, how to plan for this
9. types of insurance to have, how to shop for, what is good vs bad, etc
10. explanation of investments - KISS keep it simple stupid (silly)
11. understand yourself, strengths & weaknesses, commit to a lifelong change
12 remember God owns it all, we are asset managers, this affects how you relate to money (the live example was awesome)
I think the most memoriable of all was the video where he acted out "gazelle intensity". I was in tears - for more reasons than one.
The class was not hard, there was weekly homework, but it wasn't remendous and I always got it done even working two jobs! If you listen to Dave regularly on his radio show (which I don't because of my work schedule), you will learn many of his principals by listening to it with the live examples. You can watch some o fhis previous shows on the Fox Business network at http://www.hulu.com/. You could probably get all this data through various resources of books, talking to people and doing online research; but he does a great job at the way he presents the class and his points and there are no words for his experience, both personally and thru his business. Obviously the class spurred me on to keep to my goals and set new habits, patterns and learn many things about me which was the most important thing I could have gotten out of the class. So today I tell you
I AM DEBT FREE!!!
Monday, July 6, 2009
2nd Quarter Progress on 2009 Resolutions
I received my second quarter email from Glenn Shepard on where I am with my 2009 Goals & Resolutions. This is what I submitted to him on where I stand on my goals for the year (review blog entry on 1/1/2009 for goals set & 1st quarter update on 4/1/2009):
1. 100% of this goal to be debt free will be met this week, with final payment 07.10.2009!
2. no further progress made on this...Help!
3. 0% progress: have not found exercise routine yet that works with my schedule which is still the same as last quarter...downright grueling and crazy!
4. a bit more progress, rented some books to try to get ideas on time management, but still desire to excel in this even more so I will be more productive
5. still trying to learn...think I have got more of an idea on why I try to be this way, but still trying to master not being that...so probably about the same as last quarter
THANK you yet again Glenn for your encouragement!
1. 100% of this goal to be debt free will be met this week, with final payment 07.10.2009!
2. no further progress made on this...Help!
3. 0% progress: have not found exercise routine yet that works with my schedule which is still the same as last quarter...downright grueling and crazy!
4. a bit more progress, rented some books to try to get ideas on time management, but still desire to excel in this even more so I will be more productive
5. still trying to learn...think I have got more of an idea on why I try to be this way, but still trying to master not being that...so probably about the same as last quarter
THANK you yet again Glenn for your encouragement!
Wednesday, July 1, 2009
July 2009 Adult Verse Night
But in your hearts set apart Christ as Lord.
Always be prepared to give an answer to everyone who asks you to give the reason for the hope that you have.
But do this with gentleness and respect.
1 Peter 3:15
(though I was out of town for this month, I still had this as my verse)
Saturday, June 27, 2009
Thought from Dave Ramsey's show
The more valid reasons you have to achieve your dream, the higher the odds are that you will!
The thesis of book: Put Your Dream to the Test by John Maxwell from Dave Ramsey's interview with him on May 12, 2009
I want to read this book!
The thesis of book: Put Your Dream to the Test by John Maxwell from Dave Ramsey's interview with him on May 12, 2009
I want to read this book!
Friday, June 26, 2009
song ~ I Bless You
I BLESS YOU
Dennis Jernigan
verse:
I bless you with joy and peace
And love that won’t let go
I bless you with grace and faith
And fire in your soul
I bless you with dreams and visions
Most men don’t know of
I bless you with deeper knowledge
Of our Father’s Love
I bless you with strength and power,
Grace through any trial
I bless you with wisdom
And with comfort in your smile
I bless you with great adventures,
Journeys yet unknown
I bless you with hearts gone wild
Because you are His own
verse:
I bless you with the heart of a warrior,
Grace to stand and fight
I bless you with brothers
Who will stand right by your side
I bless you with courage
Till the battles have been won
I bless you with the faith to hear your Father say,
“Well done!”
chorus:
I bless you with joy and laughter!
I bless you with a steadfast faith!
I bless you with the hopes and the dreams
That your heart goes after!
I bless you with amazing grace!
Dennis Jernigan
verse:
I bless you with joy and peace
And love that won’t let go
I bless you with grace and faith
And fire in your soul
I bless you with dreams and visions
Most men don’t know of
I bless you with deeper knowledge
Of our Father’s Love
I bless you with strength and power,
Grace through any trial
I bless you with wisdom
And with comfort in your smile
I bless you with great adventures,
Journeys yet unknown
I bless you with hearts gone wild
Because you are His own
verse:
I bless you with the heart of a warrior,
Grace to stand and fight
I bless you with brothers
Who will stand right by your side
I bless you with courage
Till the battles have been won
I bless you with the faith to hear your Father say,
“Well done!”
chorus:
I bless you with joy and laughter!
I bless you with a steadfast faith!
I bless you with the hopes and the dreams
That your heart goes after!
I bless you with amazing grace!
Subscribe to:
Posts (Atom)