Saturday, September 19, 2009
I received a Spark Goodie and it is you guessed it....a DIAMOND!!! What a surprise. It is from my dd Sharma. She wanted to send me a bead of sorts as we are doing beading Saturday. All that was available was this hugh diamond!! It cost her plenty.
I marvel at how God has worked in our lives...having a beautiful daughter like you is the real treasure...you are my best jewel of all.
So, I want to say formally on this blog "Thank You, Sharma!!!" You are too geneous. It is soooooo beautiful!!! Love, Oni
(Whoever reads this check out my Spark Page.)
Saturday, September 05, 2009
What has FPU done for me? A LOT!!!
I now realize what percentage of my dollars can and should be allowed for giving, saving, housing, utilities, food, transportation, clothing, medical personal, recreation.
I was consistently added to the accumulating debt on my charge cards...sometimes quite accidently. LOL... I am talking about the times I went to COSTCO where the American Express was so kind to make available their services. To get in the store use the AM EXP than standing in line to check out, show the card AM EXP and go ahead and slide it for the total balance due. Than to fill up the car, AM EXP. Walla a hugh bill at the end of the month. Of course my plan to pay it in one lump sum accumulated so that it was higher than I could pay thus the 18% (which has grown to 21% or 27% now). Of course I had another card that I used for Chico's, only sale items you know. Than there were the trips to other clothing stores in our delightful outlet mall. My other basic debt came from gifts for my eight grandchildren and family "giving". (Not a bad thing)
What has changed?
I learned about the type of spender I was. Nerds and Free Spenders united in my class that was taught at a church with a very helpful support group and a great FPU graduate who shared her story (not perfected yet but she has knocked out a large chunk of $50,000 debt and still chipping in chunks). I have to say her story was so effective and encouraging for my financial story.
I have learned cash flow planning. I take my check each month to pay bills and than give myself a set dollar amount cash for groceries and gas. I made copies of MONTHLY CASH FLOW PLAN (Form 5) for the whole year. It has become my monthly budgeting plan. The Debt Snowball taught at the FPU seminar brought my credit card debt to a halt! FPU has taught me to do the basic quickie budget, from there set some goals. I have paid off two cards, cut up cards...I am not yet done with the scissors. I have learned about dumping debt. My car is totally mine!! My debt was around $13,000 and I began chipping away at it...cutting up cards in the process.
My goal is to go card free except for one card for trips which I will pay from dollars saved for that purpose. I am planning a saving envelope for each of the precious persons I buy gifts for.
One of the most helpful things that is affecting my spending today is to be happy with what I have. Clothing can be found at good thrift stores. Selling things, giving away things, downsizing completely the amount of clutter in my house are goals that I am working on today. My garage is so full that I cannot put my paid for car in it. I want to rearrange that part of my life.
Now more than ever with the financial crisis in our country I do need Dave Ramsey's FPU in my life. I have signed up for and will attend a class this fall at my church to reinforce my experience last year and to continue to write my FPU story.
Real Joy comes not from ease or riches or from the praise of men, but from doing something worthwhile.
FPU is worthwhile.
A quote from one JULESGL on Dave Ramsey Spark , "FPU is about taking personal responsibility, hard work, & CHANGE of direction."
Tuesday, September 01, 2009
SUGGESTED NUTRITIONAL & EXCERCISE GOALS:
I have decided that in order to be at my goal weight by DECEMBER 31,2009 I must set new goals each month so here they are....
Consume at least 8 cups of water per day.
Eat 5-7 Veggies & Fruits
Stay within 1000 to 1399 calories
Plan ahead for "Events"
Excercise of choice EVERY DAY except Sunday
Sleep 7 hours each night.
Log Nutrition & Excercise on SP tracker.
Rewards when I suceed!!!!!
OH, AND DID I SAY WATER???
OH, DID I SAY EXCERCISE????
OH, AND DID I SAY SLEEP???
DID I SAY EXCERCISE???
Lifestyle Changes into Daily Routines Consistently
Sedentary...............less than 5,000 steps/day
Low Active..............5,000-7,499 steps/day
Somewhat Active....7,500-9,999 steps/day
Highly Active...... ...12,501+ steps/day
Old Order Amish women with very low, 4% obesity:
..............................14,000+ steps per day
REWARDS REWARDS REWARDS REWARDS REWARDS REWARDS REWARDS
Monday, August 31, 2009
The Perfect Fit
"I have chosen the way of truth; I have set my heart on your laws."
Psalm 119:30 (NIV)
As a little girl, I had longed for a daddy to pick me up, swing me around, and tell me I was lovely and loved. When this childhood longing went unmet, it became an adult emptiness and brokenness that drove me to seek out all kinds of misguided remedies.
My primary remedy was to look for someone or something that would make me feel loved and significant. It's as if I carried around a little heart-shaped cup and extended it to whatever or whomever I perceived might fill it.
I presented the cup to my education: "Will you fill me?"
I offered it to my husband: "Will you fill me?"
I held it out to my child: "Will you fill me?"
I extended it to my material possessions: "Will you fill me?"
I presented it to each of my jobs: "Will you fill me?"
Within these questions were many more entanglements: "Will you right all my wrongs?" "Will you fill up my insecurities?" "Will you make me feel significant?" The more I offered my emptiness hoping something could fill it, the more frustrated I felt.
And when I had grown in my faith, I was especially perplexed. Wasn't being a Christian supposed to fix these kinds of issues in my heart? What was I missing?
Have you ever been there?
Why is it so tempting to look to things of this world for fulfillment? This notion that worldly things can fulfill is all around us. It's on TV, the focus of countless secular songs, and it's what dominates American advertisements. I can't even stand in the grocery store checkout lane without being bombarded with suggestions for a more fulfilling life. A better husband. A better body. A better career. A more beautifully decorated house. The magazines seem so slick, their promises so enticing. They sneak into our thought processes and make us think, "If only I had _______________, I'd be so happy. I'd be so fulfilled."
So, we chase and chase until we bankrupt our relationships, our bank accounts, and our very souls. The reality is every single thing the world offers is temporary. No person, possession, profession, or position can ever fill the cup of a wounded, empty heart--not my heart, not your heart. It's an emptiness only God can fill.
Whatever "if only I had" statement we are struggling with, we can replace it with solid truths from Scripture that will never leave us empty. It's a bold statement to make and might even sound a bit trite, but it's true.
When God's Word gets inside of us, it becomes the new way we process life. It rearranges our thoughts, our motives, our needs, and our desires. Our soul was tailor made to be filled with God and His truth; therefore, it seeps into every part of us and fills us completely. It is the only perfect fit.
Dear Lord, we ask today that You set within us a passion for Your Word. A passion that will override the fleshly desire within us to chase after fulfillment from people, possessions, professions, positions, excercise or food. Lord, help us place the highest importance on getting into Your Word every day. And may we always approach Your Word with a humility of need and a heart ready to receive all You want to teach us. In Jesus' Name, Amen
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