Tuesday, June 23, 2020

We did a thing... {Dave Ramsey Update}


 As many of you may already know we are big Dave Ramsey people. In a post from last year {almost 1 year exactly} we paid off all our debt. It was probably the millionth time we had paid off our credit card. We paid off a personal loan. We then moved on to putting money away for an emergency fund. Dave Ramsey calls for $1,000 for emergencies right off the bat. Then move onto saving up 3-6 months of expenses for emergencies. If you don't have job stability it's best to save up the 6 months expenses. That's all the money you NEED to survive if you were to lose your job. Thankfully with the army the hubby's job is secure enough that we did the 3 months plus the $1,000 emergency fund. 
Once that was all done we started work on our new goal. A new car for yours truly. There wasn't anything majorly wrong with my old one. It was in fact old and things were slowly falling apart and not working well anymore. We needed an upgrade, badly. After listening to many Dave Ramsey podcasts and binging Financial peace University we were confident that we were going to save up the money and buy a new {used} car in cash. 
We had told a lot of our family and friends that we were doing this. Not to brag or anything. Just so they could go along on this journey with us. Rooting us on from the sidelines and celebrating with us when it came down to get the car. 
We picked up doordashing on the side. Thankfully it was very lucrative during the quarantine and we were able to move our timeline up.. A LOT! Our plan originally was save as much as we could and by next February tax refund time we could get a new car. We decided on a budget and went hardcore. We were out almost every single day delivering food to hungry people. Some of them not so nice. But we did it! We even brought the kids along a lot of the time and they absolutely hated it. But they saw their parents hustling for a goal. It was a teachable moment for sure. Between the stimulus money, money from our move, saving from our paycheck and supplementing our income with delivering food we moved our timeline up 8 whole months!!
I still can't believe we did it. I still can't believe this shiny new car is sitting in my garage. 

Dave Ramsey also had some helpful tips on buying used cars and negotiating with dealerships. Our first test run didn't go so well. We ended up walking away. We got what they call "sticker shock". Not realizing the crazy taxes and dealer fees that get added on to the price. We felt defeated and almost didn't want to look again. We put it off for another week. We kept doordashing in the mean time just in case we needed to up our original budget. We went back to the drawing board and researched the car we wanted in our vicinity. There was this particular car from the beginning that had been hanging around the AUDI dealership. It wasn't my first choice because it's a 2016 and I wanted something a little newer. Did you know the value of a new vehicle can drop by more than 20 percent after the first 12 months of ownership. Then, for the next four years, you can expect your car to lose roughly 10 percent of its value annually.
NEVER BUY NEW! Unless you are rich and can do what you want I guess. 
But for us small town folk. It's a pretty ridiculous notion. 
We walked in and asked for this car specifically. They brought it around we test drove it and we practiced our negotiation skills in the car on the way over. We knew what he would say and we knew what we were going to say. They gave us their first offer and we declined. We told them another number and he went in the back {wherever they go} to work on the numbers. 
He came back right at our budget "out the door" all taxes included. It even has a 2 year warranty on it and we treated way better at the dealership then the other one. 
Then I pulled out my checkbook and wrote the biggest check of my life. 
It can be done folks! You can work hard, save and be patient and buy a car in cash. You don't have to have car payments. As much as anyone will try and tell you to finance. 
You don't HAVE to be in debt!



The kids can't wait to ride in it. We haven't let them yet. I'm afraid to get it dirty.




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Tuesday, June 16, 2020

Reset

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Anyone else feel so out of place these last few weeks? Maybe it's even been months. This year has been the most insane I've ever experienced. I'm sure the strangest one for everyone else as well. I've gone through many stages of emotions the last 6 months. We had our family changes then the worlds changes on top of everything. There's been fear, paranoia, worrying, strength, positivity, negativity, creativity. Going around in circles and finding myself back at the start again. There has been so many ideas on what to do with this forced new life, new normal. They all fall behind and I go right back to the same ol thing. I've found myself only being able to focus on one thing at a time. I got at it with 100% intensity. All of these things are compounded with what's going on in the world. It's all we are talking about. Every. Day. I am overwhelmed with the negativity, the violence, the hate (on both sides) It's almost as if the the joy and light is being snuffed out because of the volume of everything else. It's on facebook, it's on instagram. I don't even bother with Twitter I can only imagine it will be just the same. If you support you're doing it wrong. If you are silent you are picking sides. Whatever you say it's the wrong thing. You can't have an opinion. It will offend someone somewhere. I feel suffocated. I want a reset. Anyone else with me?










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Friday, June 12, 2020

Lady and the tramp {Savannah Anniversary photos}

 We've been missing Savannah, Ga a lot lately. It's hard to move from a place you get so used to. Move away from all the great friends you've made. We definitely set some roots down there. I'm so glad we were able to take anniversary pictures last summer downtown. 
During this quarantine we were finally able to see Lady and the tramp which was filmed in downtown Savannah. I got really excited that some of the spots we took pictures at were scenes in the movie. 
Definitely check it out and see if you can spot these locations.
Also, the movie poster was around where I worked downtown. I thought that was pretty cool 




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Friday, May 29, 2020

Heavy hearted truth

It feels so weird to be blogging these days when there's so much going on in the world. It's overwhelming my social media. I don't even watch the news. Sometimes I prefer to live under a rock. Honestly, I can't handle the negative, the bad, the horrendous. I hurt over strangers. I crumble into a ball and cry over people I never met. I'm consumed with dreams constantly. It's my safe place from the world to just hide under the covers. Distraction from the worlds problems. It's getting harder and harder to do so. 
I grieve for the injustice! I'm not really sure what else to say. We have an enormous amount of ugly in this world. It's been there since the beginning. It progresses through the centuries. We can think that we should be better by now. It's 2020 and this shouldn't be happening. All we can do is hope and pray and stand against the evil in this world. 

That was really heavy for a Friday or any day honestly. But I just wanted to share my feelings.












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Tuesday, May 12, 2020

Songbird

I'm alive! I made it to and back from my trip to record in one piece. It was like traveling in the twilight zone. Going through the airport was a breeze. There was a lot of mask wearing folks social distancing themselves from me. I finally got a whole row to myself which was greatly appreciated. I gotta say it was not that bad. It's actually the most clean I've ever seen an airplane that clean let alone an airport. 


I had a blast recording this time around and I'm so excited for the new music that I'm going to release. 
It's hard to not share it now with everyone but got to put the finishing touches on and pick the exact right time. But I hope you guys will love it as much as I do.
In the mean time we can just enjoy the nice spring weather and check out this spring floral outfit I put together. Floral prints always get me in the mood for Spring.  












See how else I styled this skirt:

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Monday, April 20, 2020

Family time ... all the time

I realized that I never got around to sharing our most recent family pictures. We got them done right before we moved and then it was just absolute chaos. I wanted to get pictures of my favorite live oak trees with spanish moss. It's one of the things I miss a lot. The mountains are great here but I love these trees. Here are a few of my favorites from our session with Kate Laraine Photography


 




         Funny thing about this picture. There was an alligator apparently right behind us and we didn’t even know. That’s Georgia for you folks. We joked later because Evan wanted to go find it when we were all done. We were almost “That Family” on the news about a dumb guy hunting alligators after his family pictures and then got eaten. Luckily, we all survived.



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Thursday, April 16, 2020

Outta my head


Seeing how Colorado decided to dump a truck load of snow on us twice this week. I decided to get this last outfit post up on the blog. Hope and pray for warmer weather so we can start doing some spring outfits. 
I have no idea what day it is at this point or what month it is. It's constantly the same thing everyday. I'm not enjoying remote learning. It's quite the challenge. I give all the props to the parents who have multiple children doing this. I got one and I'm pulling my hair out. Even bigger props to the teachers who deal with everyones' kids at the same time for months on end. But I'm pretty sure the kids are on the best behavior for strangers. They leave the "good" stuff for us parents. 
It's got me really thinking about getting a tutor. Buying teachers gifts well in advance for the end of the year. It's going to be a whole thing. I appreciate them so much. 
 You know who else is being appreciated during this time? Stay at home moms. While husbands/dads had kind of an idea of what we dealt with on a daily basis. They get to live it full time now day in and day out. My hubby said and I quote " I never said it wasn't hard. But yes it's a lot harder than I thought." 
All of us stay at home moms are cheering and rejoicing worldwide. We finally get the validation, the appreciation we've been wanting for years. A new day has dawned. Amen..Hallelujah! 
I hope all you moms are hanging in there. I hope all you dads are hanging in there. I hope all you teachers, medical professionals are hanging in there. It's been such a bizarre time. Let me tell you a lot of feelings have come out. Being stuck in a house forces you to deal with said feelings.
Pray for me! 
I hope you are all surviving.. Another week down. 






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