What is the 50/30/20 budget rule?
Budgeting is all about telling your money where to go! With the 50/30/20 budget, you are using percentages to break down your monthly income into more manageable and practical budgeting categories.
Before I got into budgeting I never once thought about financial goals. We paid our bills, we used credit cards, and sometimes we had “extra” money and other times we didn’t (hence the credit card debt). We were just your typical American family, doing our thing.
Oh boy. Then, I was introduced to Dave Ramsey! Ya heard of him? I have known of Dave for awhile now. He introduced me to financial goals and to the debt free lifestyle.
Creating a family budget is just part of the equation, creating (and sticking too) financial goals is the next step. I know, sounds so boring. But I promise this is a much needed intentional act for EVERYONE!
I have been scouring Pinterest, trying to find the “Perfect Morning Routine”. There are a lot of results but none that fit my lifestyle. I mean, some of these mommas have to be getting up at 4:30 am! Every. Day. Where is the “Perfect Morning Routine” for the stay at home mom who likes to sleep in? Does that one even exist?
I am not going to fail before I even get started. I know my limitations. I am NOT a morning person. This morning I woke up at 6:00 am, which is EARLY for me!! I tend to roll out of bed around 7:00 am, just in time to make sure my oldest gets out the front door on time.
So, is there a “Perfect Morning Routine” out there for me? The answer is YES!!! I found it and I bet it will work for you too no matter what kind of morning (or non-morning) person you are!!
As a little girl I always envisioned a fairy tale love story. You know, where Prince Charming comes to the Princess’s rescue, a white dress and a happily ever after. But what those fairy tales don’t tell you is that marriage isn’t always a stroll through the meadow with whimsical creatures, full of sunshine and songs. Your Prince Charming is HUMAN with flaws (like never turning their socks the right side out before throwing them in the dirty clothes hamper). After 12 years of marriage, here is the one piece of relationship advice I am going to give you for a strong marriage.
I will be the first to admit that I have never been great at praying. It seems really odd to say, I mean how can someone not be good at expressing their feelings to the Father in heaven. Although, If I had to guess, I am not the only one that struggles with their prayer life. I was never taught “how to pray” outside of just being told that praying is just a conversation you have with God. OK. I get that in essence that is what praying is. However, just like my best friend I am sure God doesn’t want to hear the same thing over and over (at least that is what I tell myself). I was starting to feel like a broken record so I just didn’t pray very often. Then one evening I learned a different approach to praying that has grown my prayer life, overnight, effortlessly. It has brought me closer to God and I look forward to my quiet time when I can sit down and speak straight to Him.
This is the time of the year when EVERYONE is making New Year's Resolutions and setting goals for the new year. It seems like the first few weeks of the year people do great at goal setting and even keeping to their goals. Then somewhere along the line they seem to fall off the New Year’s Resolution band wagon and never get back on. Why do you think this is? Honestly, most people’s goal setting process isn’t setting them up for success it is setting them up for failure. Does this hit too close to home? Are you thinking about your last year’s goals and how you didn’t knock even one off the list. This year is going to be different! This year you are going to ROCK your New Year’s Resolutions and I am going to tell you how!
So you have heard about essential oils, they seem to be the all new "rave" among your friends. But you really have no idea what they are or the slightest idea about why you would possibly need these in your life. Or, maybe you are ready to learn and are eager to get oils in your home right now! There is even a good chance that you have NEVER heard about essential oils. Well, I am here to tell you a little about my story with essential oils, how you can learn more and how to get started.
Hey Mama! I see you today. I see you struggling. I see you trying to juggle the craziness of motherhood, always being pulled in multiple directions. Trying to hold it all together but feel like you are failing daily. I am here to tell you that despite those thoughts and feelings of failure, that you are doing an AMAZING job. You are a wonderful mother and you are doing the best you know how.