If You Think It Can’t Happen To You, Think Again

I cannot give enough praise to God for my home.

Thankfully, things have worked out really well for them and their family.

The Cost of Keeping Up With The Joneses

These are channels I’m following, on top of others who have been in this process for the last few years, because I love to see people succeeding in life after God giving people the proverbial two by four across the head (as my husband would put it).

I was starting to get like this when Decker and I were first married, but God took Decker home unexpectedly and I retreated back into a hole.  I was tremendously blessed, though, as Decker had life insurance and that got me through eight years of life until the crash took the last of the money.  By that time, I was working in public education and five years later moving to a job at the district office as I could no longer afford food on what I was making.

Keep in mind, I didn’t have a smart phone (I still don’t), I didn’t have cable tv (only cable internet) and refused to sell my home to get a bigger and better one when times were good because I have plenty where I’m at and it’s paid for.

Is life perfect for me?  No.  I am, however, blessed.  I am so thankful that God and my husband watched over me for so many years and provided the advice needed for a very frightened widow.

I have one debt; the credit card used for the medical stuff from last year.  That is priority one.

Much of this, though, also involves doing things in a healthy way other than complete deprivation.  When last year was over, I was left with a significant debt but also a nice chunk of money built up from the 52 week savings challenge.

The question I had was, okay, do I keep it all in savings or put all of it towards debt?

God had a better plan.  Put 1/2 of the money onto my HSA card to cover a chunk of medical expenses for 2020 and the other 1/2 into my medical sinking fund.

Since following that prompting, I have felt complete peace.

On top of that, I’m still paying 1/2 of each paycheck towards the credit card, plus re-starting the 52 week savings plan, plus adding money towards the pets as they all need to have checkups this year.

Then, because I wasn’t living on every dime I make, I noticed a deposit this past week to my checking account that I wasn’t expecting.  It was the monthly distribution from my Mother’s IRA that she left to me as sole beneficiary.  The money is also considered to be sacred, and I placed it in the pet sinking fund to assist me in taking care of her cats along with my own cats.

God has been very good to me.

Transfer Tuesday!

This is not an original idea, but I love it and had already been incorporating it since my employer changed our pay days to every other Tuesday.

Today was payday, so today’s transfers:

Tithing and Fast Offerings ( not disclosing)

$500 to pay down my credit card

$6 & $8 towards a chosen savings account (more information click here ) towards my annual double the weekly savings

$50 to the Pet Care sinking fund

My inspiration:

Now That’s A Lot of Puppies!

Kudos to the mama dog.

Don’t Miss This

When Tax Time Comes Around...

Be sure to give this a view.

Savings Challenge 2019 - How Did I Do?

I posted back in July that I had been slowly building up a savings account using a Savings Challenge Grid I posted a while back.

I did the challenge where you double the amount for the entire year.  Did I make it?

Not entirely, however I did save up a chunk of money for the year.

What did I do with the money?

After some consideration and prayer, it was decided that I needed to put 1/2 into my HSA and 1/2 into my medical sinking fund.  I’ve done this and feel like I’m in the best financial situation starting this year than I have in previous years with a lot less stress and anxiety.

And I’ve started again with the challenge, doubling for the entire year again.  We’ll see how well we do!