"The difference in who you are and who you want to be is what you do"- April 2014 in Review :)

It's May in Speedway, IN, the weather is warm, and life is good!
 April was a busy and exciting month for Barry and I. After the depression finally left us from not going to Fort Myers for Spring Break, we enjoyed some warmer weather, birthdays, and time with friends and family! We are looking forward to all the fun that May brings, but first, let's look back on April.

Here's a rundown of April 2014:


Saturday, April 5th:Barry had his first Crossfit competition at Crossfit Castlewood! There were 5+ teams from Crossfit 317 (Barry's gym) competing which made it even more fun. After three tough workouts, we headed downtown to enjoy a night at the Embassy Suites for a "stay cation". We enjoyed a free meal at Weber Grill, thanks to Tony and Nicole, the owners of Anytime Fitness Speedway, as a gift for my one year work anniversary last May 2013 :) We finally put it to good use.. and still have some money leftover to go back! 
                   

April 12th-April 13th: The Spring projects began! Barry worked on our fire pit project while I sanded, deglossed, and painted our kitchen cabinets. With the help of Robbie Linville, we were able to replace our kitchen sink, counter tops, and range hood. In addition, he put up a beautiful back splash and hung our newly painted cabinets. It's about 90% complete and we LOVE it! 

 

April 15th: We celebrated Barry's 36th birthday...

with burritos from Taco 46 (our new obsession)

 & by painting cabinets! :)  He's a lucky guy! LOL

April 19th:  We celebrated the retirement of Coach Pelley, Speedway's football coach of over 30+ years and a good friend, at the Legion with a lot of our close Speedway friends. He coached my younger brother Jonny and Barry coached with him in his early years as a teacher at Speedway. One of my favorite things about living in Speedway is the community/support system. This was a great evening. 

  

April 24th: I was able to "Volunteer like No One Else" at the Dave Ramsey Legacy Live Event at Trader's Point! This event was amazing and I was able to see it all for FREE...plus a FREE dinner! Seeing this event and hearing Dave and his daughter speak just reiterated why we are following the Baby Steps. It was great to meet other like-minded people and hearing their stories. I look forward to volunteering at future events, but hopefully the next time I see Dave is when we are giving our debt free scream at Martha's Place in Nashville, TN next spring!

April 26th: We had a blast downtown Indy celebrating Eric Mattingly's 30th birthday! We biked around downtown for 2+ hours, stopping at different sites around town including Monument Circle, Mass Ave, and Kilroy's. We had a blast :) 



Now a recap of the 2014 goals I set back in January. If you haven't read that yet, click here ---> 2014 Goals<----
January Part 1 & Part 2
February Recap:Part 1 & Part 2
March Recap

1. Debt: Since starting our Debt Snowball in November 2013, we have paid off over $23,500 of debt while paying cash for a new driveway and a kitchen remodel! It's such an amazing feeling to see how much progress we have made over these past 6 months, even though we still have a way to go! To stay motivated, I listen to Dave Ramsey's podcast every day, Dave Ramsey's Radio Show, and daily look at our visual aid I created. It's a visual thermometer that we color in as we pay down our debt. I placed this on the refrigerator to force us to look at this EVERY DAY. This helps to remind us why we are having to say "No" to things now in order to say "Yes" to a whole lot more later :)

2. Advocare: Our Advocare business is at the Silver level that pays us $1,000 a month in residual income, which is absolutely amazing. Every dime that we make with Advocare goes towards our debt. Our goal is still to achieve the next level of leadership, Gold, which pays on average $38,000 a year. We are currently focusing more on starting our family than growing our business, but continue to help others on our team and helping our friends and family enjoy the products.

3. Dogs  No new Weims in our future. We have (for now) decided to work on making a baby and then MAYBE getting another Weim. For now, enjoy these pics of our crazy Smokey boy :)

            

           Helping Mom paint the cabinets

      

                Sleepy after a long walk in the Coke Field

4. Baby Making Plans: We met with our fertility doctor at the end of April and came up with May's game plan! We are going to have our first IUI! Barry and I are both cautiously optimistic about this month and appreciate all the prayers, love, and support from our family and friends :) 

What are your 2014 goals? Do you have them written down? How's your progress?
- Sarah - 

5 Tips for Making it all work... one baby step at a time!

Ever since I was young, I've always been frugal with my money. I'm a natural saver, what Dave Ramsey would refer to as a "Nerd." I always look for a deal and rarely pay full price for anything. Now that we have a plan and are working our Debt Snowball (Baby Step #2) we are intentional about how and what we spend our money on more than ever!

 

We started our journey in November 2013 and have since paid off over $20,000 of debt! We cash flowed a kitchen renovation in April 2014 and a new cement driveway that will be put in this month. We have made plenty of mistakes, but there are 5 tips that help keep us on track..

 

5 Tips to Spend Less/Save More:
 

1.  Follow a written budget: This is probably the most important way to save money. A budget is simply telling your money where to go instead of wondering where it went. Our budget changes each month depending on what we have going on (ex. weddings, birthdays, etc) We make sure every dollar is "spent" before the month begins and discuss this BEFORE the month begins. We do this together and make changes until we both agree on it 100%.

To take it a step farther, we have weekly budget meetings to discuss our spending habits that week and make sure we are on track. If we are heading down a spending spree, the weekly meeting helps derail that and gets us back on track :)

2. Use cash whenever possible: We use the envelope system for all categories in our budget that we can easily overspend such as groceries, eating out, miscellaneous, and our spending cash. It's impossible to spend what you don't have!

We have had months were we didn't use cash and it NEVER ends well. How much easier is it to swipe your debit card for $150 vs handing over that amount in cash? Answer: A LOT 
There is an emotional exchange when you use money and see that going away when you are buying something. If you don't believe me, try this for one month. I can bet you will spend less with cash than debit/credit.

3. Cook 19 of 21 meals a week at home. This will not only save you tons of cash, but your health and waistline will thank you. Eating at home means you are going to the grocery store, planning out what you will eat, and preparing these meals yourself. This enables you to control portions, ingredients, etc to your nutritional goals. I like to meal prep everything on Sunday afternoon. I cook everything we will eat for the week for lunch and dinner and then put everything into our cute Tupperware containers. (This isn't our actual frig- but it looks pretty close) Again, I would recommend trying this for at least a week and see how easier your week goes by and how much less you spend eating out.

 

4. Cut your kiddos/husbands hair: Barry was getting his hair cut every couple weeks at Great Clips which cost about $15/haircut, which is over $500 a year! Instead, we purchased Wahl's Haircut Kit for $20 which paid for itself the first month.

As for me, I tried going to Great Clips a couple times and using store bought hair dye, but I finally caved and went back to my awesome hair dresser, Sherri, in January. She has done my hair for over 10 years and is amazing! Now, I apply the money Barry would have used to my hair cuts and we are still saving over $500 a year (Win Win!)

5. Pick one event per weekend to splurge on: If we know we have an event Saturday evening, we will make it a point to grill out and hang around the house on Friday evening. Look ahead at your week and decide (together if you are married) what you want to spend your money on and where you can save, especially on the weekends. Make use of your own house and invite your friends over instead of going out.

We have made plenty of mistakes these past six months, but we learn from them and keep moving forward...one baby step at a time :)

 

 

I'd love to hear from you! How does your family save money every month?

Where do you splurge?

Where do you cut back and save?