Several popular New Year's Resolutions involve money. Get out of debt, save more, and give more to charity may be among your desired changes for 2010. If you don't know where your money went last year, maybe these tips will help. Being the self-professed nerd that I am, I put together a spreadsheet to keep track of our spending. We use it to come up with our monthly budget and keep track of how we are doing. You can download it from the link below if you like. http://dl.dropbox.com/u/2887593/2010%20budget.xls
Another great tool is mint.com. Mint (which was recently purchased by the makers of Quicken)can import your bank information using the bank's online banking system and categorize it for you. This is an easy way to see where your money goes with fancy charts and graphs for you non-spreadsheet people. We use both to see where our money is going.
If you are completely lost and confused about money, we highly recommend taking a Financial Peace University class. If you don't think you have the time, much of the same information is covered in Dave Ramsey's book, The Total Money Makeover.
In closing I'll leave you with the baby steps to Financial Peace.
1. $1,000 Emergency Fund
2. Get out of debt using the debt snowball
3. Full Emergency fund (3 to 6 months of expenses)
4. Invest 15% in retirement
5. College funds for the kids
6. Pay off the house early
7. Build wealth and give
For more information see http://www.daveramsey.com/new/baby-steps/
You can do it. Have a buddy keep you accountable and make those resolutions last all year.
Friday, January 1, 2010
Saturday, December 19, 2009
and to all a good night
We wish you all a Merry Christmas and a Happy New Year. Enjoy time with your family, take a deep breath and relax. When in doubt, just ask Linus about the true meaning of Christmas
Thursday, December 17, 2009
The Evolution of Christmas Lights
It's that time of year again. The Christmas lights are out in full force. I've put together a few photos/videos that illustrate how I view the evolution of Christmas decoration. Enjoy.
see more Epic Fails
see more Epic Fails
Thursday, October 15, 2009
It's been awhile
August 29, 2009. That's the date of our last post. It seems like we have been going almost non-stop since then. Stefanie has been busy with her new 4th grade class and I've been staying busy at work. In our free time we've been on the road quite a bit. We've been to Rogers, St. Louis and Joplin all in the last several weeks. We've visited family and friends and enjoyed spending time with everyone. We finally had a weekend at home to relax a couple of weeks ago, and I did a pretty good job of making it less fun by being sick all weekend. Now that there is a little bit of a lull before holiday season starts, we hope to do some relaxing again.
Saturday, August 29, 2009
A Musical History
Musical History
I've thought about putting this together a couple of different times, but have just now got around to it. Music is such an important aspect of many people's lives and I often find myself looking back at my musical past. This is in no way a complete compilation, but is pretty accurate. Sit back and enjoy as I take you on a journey through time.
1. The Basics of Life - 4 Him
2. Yakety Yak - The Coasters
Growing up we basically had two options. Contemporary Christian or Oldies. I now realize why this is. There is a lot of inappropriate material on the radio, and it makes quite a bit of sense for a parent to limit their children to one of these genres.
3. Jesus Freak - DC Talk
"Cool" Christian music, especially for youth group trips.
4. I Don't Want to Miss a Thing - Aerosmith
Main track from the movie Armageddon I went to a lot of movies in early high school. I'm pretty sure everyone saw this one. I think the soundtrack was the first CD I ever purchased.
5. Higher - Creed
The 90s rock phase
6. Tonight, Tonight - The Smashing Pumpkins
7. My Name is Jonas - Weezer
8. Lucky Denver Mint - Jimmy Eat World
I have Nathan to thank for introducing me to the foundations of my current music collection.
9. This Bitter Pill - Dashboard Confessional
Every single guy needs to sing along with Chris Carabba at least once.
10. Walls - Emery
11. Reinventing Your Exit - Underoath
In case you're curious, this is classified as screamo. It actually will grow on you, some of you.
12. Giving it Away - Mae
13. Bixby Canyon Bridge - Death Cab for Cutie
The calmer side of my college music collection.
14. The Crane Wife 3 - The Decemberists
Trying to find my corner of the indie music scene
15. Jesus Messiah - Chris Tomlin
I still appreciate a well written worship song.
I hope you enjoyed your quick glance through my musical history.
Thursday, August 13, 2009
God's Perfect Timing
Wow! What a whirlwind we've been through this past week! It all revolves around my search for a teaching job. First, a little bit of background to our story. We all are aware that our economy is not in the best of conditions. As a result, school districts are dealing with budget issues. There are several school districts in the Kansas City area, close to where we live, so we were hopeful that I would be able to find a teaching position this upcoming school year. However, most of these school districts are on hiring freezes and expanding class sizes among the teachers they already have on staff. Less than a month ago, a school district in Kansas City laid off 148 teachers. Now, all of those teachers are looking for employment and finding it nowhere. I had already determined that it was going to be alright because I would substitute this year (getting to know the principals as a part of that process). It worked in Rogers, so I assumed it would work here as well. At the end of July, I interviewed with the Assistant Superintendent at one of the school districts nearby, for a substituting position (they interview all applicants in order to screen the subs they end up hiring). As soon as I walked into the interview, the Assistant Superintendent thought my face looked familiar. He found out that I attended NSU in Oklahoma. He told me that when he was a principal, he would always travel down to Oklahoma to recruit teachers from NSU to work at his school. Anyway, long story short... I was approved to be a substitute for the district. He didn't know what I should expect, though, as far as how much I would be working. You see, all of these teachers who are looking for work are now substituting. There are more substitutes in our area than ever before, and the school districts are unsure how much we'll be able to work on a regular basis due to the overload.
Now, onto the events of this past week. A good friend of ours from church is a high school teacher in the district where I interviewed to substitute. The teacher she works with in the science department is due to have a baby in September. She found out last week that her long-term substitute had pulled out, & she wanted Jeni to contact me about possibly filling that position. Now, I have little background in Biology (other than high school and college) or high school students, for that matter. We were all unsure of whether the administration would hire me for this position because I'm not certified to teach secondary biology. Jeni's friend requested me anyway. The principal also requested that I have the job. However, by law, the administration had to approve someone certified in the subject area they would be teaching, if it was for a long-term position. I completely understood and was very relieved at the thought of not having to teach high school students (as wonderful as I'm sure they are...haha). It was an up-and-down process of I'm probably going to have the job/ no I'm not/ I might/ nope.. not going to happen. Still, I was relieved but frustrated at not knowing how much I would be working this school year. I told Jeni not to worry about a thing because I realize that God has never let me down. He has ALWAYS provided me with an opportunity of some-sort, right when it was needed. As soon as I sent her that message, I received an e-mail from the Assistant Superintendent asking me to give him a call about another position they had available. I called him immediately. He told me about a 3rd grade teacher in their district who was due to have a baby this upcoming September. She initially was going to take off just 6 weeks for maternity leave, and they still didn't have anyone to fill that position while she was out. The sad part of my story, and where I'm calling on you to keep praying, is that this teacher had her baby prematurely. The baby is in ICU as of now, and the teacher plans on working until the baby is released. She doesn't know exactly how long she'll be off....6-12 weeks or maybe the rest of the year. Very unsure right now. I hope, for her sake, that the baby will be healthy & she will just take off a regular maternity leave. She just doesn't know exactly what to expect once the baby comes home. Please keep this family in your prayers because I cannot begin to imagine what it must be like to go through something like this with your child.
Where God's timing came in is that I definitely have a long-term position for this school year. I don't know how long (again pray that everything turns out just fine & this teacher will just be off a regular maternity leave), but I do know that God brought my name into the right hands to teach in this 3rd grade classroom, if just for a short while. If it hadn't been for Jeni, the long-term high school position suddenly coming up, and the Assistant Superintendent liking NSU grads (and thinking he recognized me from somewhere), my name wouldn't have even been on the map. There are so many applicants and everyone's resume looks the same. Being in the same classroom everyday will allow me to get to know the principal and the teachers really well... which gives me hope of finding a permanent job in the next school year (that's what happened in Rogers).
I never doubted God's ability to place me where I was needed, I just doubted where I needed to go. I questioned everything about my career choice and why God had brought us here right after I had found a job in Arkansas. Now I know. We're right where we need to be right now. I need to remember that my timing is not always God's timing, and HE knows what's best for me... not the other way around.
Now, onto the events of this past week. A good friend of ours from church is a high school teacher in the district where I interviewed to substitute. The teacher she works with in the science department is due to have a baby in September. She found out last week that her long-term substitute had pulled out, & she wanted Jeni to contact me about possibly filling that position. Now, I have little background in Biology (other than high school and college) or high school students, for that matter. We were all unsure of whether the administration would hire me for this position because I'm not certified to teach secondary biology. Jeni's friend requested me anyway. The principal also requested that I have the job. However, by law, the administration had to approve someone certified in the subject area they would be teaching, if it was for a long-term position. I completely understood and was very relieved at the thought of not having to teach high school students (as wonderful as I'm sure they are...haha). It was an up-and-down process of I'm probably going to have the job/ no I'm not/ I might/ nope.. not going to happen. Still, I was relieved but frustrated at not knowing how much I would be working this school year. I told Jeni not to worry about a thing because I realize that God has never let me down. He has ALWAYS provided me with an opportunity of some-sort, right when it was needed. As soon as I sent her that message, I received an e-mail from the Assistant Superintendent asking me to give him a call about another position they had available. I called him immediately. He told me about a 3rd grade teacher in their district who was due to have a baby this upcoming September. She initially was going to take off just 6 weeks for maternity leave, and they still didn't have anyone to fill that position while she was out. The sad part of my story, and where I'm calling on you to keep praying, is that this teacher had her baby prematurely. The baby is in ICU as of now, and the teacher plans on working until the baby is released. She doesn't know exactly how long she'll be off....6-12 weeks or maybe the rest of the year. Very unsure right now. I hope, for her sake, that the baby will be healthy & she will just take off a regular maternity leave. She just doesn't know exactly what to expect once the baby comes home. Please keep this family in your prayers because I cannot begin to imagine what it must be like to go through something like this with your child.
Where God's timing came in is that I definitely have a long-term position for this school year. I don't know how long (again pray that everything turns out just fine & this teacher will just be off a regular maternity leave), but I do know that God brought my name into the right hands to teach in this 3rd grade classroom, if just for a short while. If it hadn't been for Jeni, the long-term high school position suddenly coming up, and the Assistant Superintendent liking NSU grads (and thinking he recognized me from somewhere), my name wouldn't have even been on the map. There are so many applicants and everyone's resume looks the same. Being in the same classroom everyday will allow me to get to know the principal and the teachers really well... which gives me hope of finding a permanent job in the next school year (that's what happened in Rogers).
I never doubted God's ability to place me where I was needed, I just doubted where I needed to go. I questioned everything about my career choice and why God had brought us here right after I had found a job in Arkansas. Now I know. We're right where we need to be right now. I need to remember that my timing is not always God's timing, and HE knows what's best for me... not the other way around.
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