Living Debt Free And Loving It!

If you have followed along with Dave Ramsey’s baby steps that I’ve been posting about over the past couple of months then you know what I’m working towards.

I really want to become debt free and pay off all of my bills so I have no financial obligations. Well, maybe not none per se  but as few as possible. Can you imagine how good that would feel?

I know how that feels and I really want to feel like that again, soon! Once I reach this goal I will be able to do a lot of things that I’ve always wanted to do but haven’t been able to do.

Once I have freed myself from these financial burdens I will be able to help others, including my children, to learn to build their wealth.  I want to teach them by example how to be debt free and stay debt free. This is something I am seriously committed to doing and hope maybe you will want to join me on this journey.

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Paying Off The Big Bills

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Well, I don’t have a mortgage or a car payment at this time but if I did I would definitely be working on this one. This would be a very big step towards becoming debt free for anyone according to Dave Ramsey.

There are a couple of ways to work on this. You could just apply extra money towards the payments to pay it off quicker. You could also consider refinancing to get a lower rate so that you can achieve your goal of becoming completely debt free!

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Butter Making, Bear Hunts, and Bull Dogs

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You may be wondering what butter making, bear hunts, and bull dogs have in common, right? Well, these were just a few of the topics we covered in our first week of our Little House On The Prairie Academic Adventure.

We have had so much fun as I’m sure you’ll see in the pictures below. I’ve been meaning to post our progress but we’ve been so busy there hasn’t been a lot of time for another ‘b’ topic… blogging! I’m gonna try to catch up a little tonight before I go to bed and put away my computer for our Screen Free Sunday which is another post in itself.

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Caitlyn’s new glasses.

The first week we were quite busy with school, doctor appointments, and square dancing not to mention everything else that LIFE seems to throw at us. We read through the first two chapters of Little House in the Big Woods and discussed what we read. The girls also worked on some Vocabulary matching and crosswords that I made up.

We’ve been working through the topics I have listed in the weekly guide and the kids have been so excited to learn so many things about Laura Ingalls Wilder and her pioneer family. Our Pioneer Journals were one of our first projects and the kids loved making them. They will be using these for various writing assignments throughout the year.

pioneer journals

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Learn How To Plan Your Homeschool In 15 Minutes Or Less Per Week!

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As a Momma of 9 I am constantly looking out for my kids. I worry about them, like all moms do, and try to be there for them any way I can. I am also constantly looking for new ways to encourage them and keep their curiosity and eagerness to learn alive.

They really do love learning however sometimes they get bored with what we are learning or the way I am teaching it. I admit I get bored sometimes too but I love homeschooling because I am learning right along with my kids. Seeing the look on their face when they finally ‘get’ something is priceless and I wouldn’t trade it for anything.

On the other hand I often feel frustrated and tired because things don’t go as planned. We also experience A LOT of interruptions in our day to day life and that can cause some frustrations too as I feel like we just aren’t GETTING ENOUGH DONE in our day.

Not to mention how exasperating it can be when you plan a lesson or activity only to have your kids totally HATE IT! Hours and hours down the drain on what you thought was going to be such a FUN LEARNING EXPERIENCE.

Planning and learning can happen on its own, and the results are mind-blowing!

Continue reading “Learn How To Plan Your Homeschool In 15 Minutes Or Less Per Week!”

Saving For Our Children’s Future

OK, so I’ve been paying off bills and saving up money for emergency funds. I’ve also been looking into investing some money for retirement but what about my kids’ future?

Well, my oldest three went into the military and therefore have some benefits to help them get their education. My fourth child is super smart and I have no doubt that she will be able to get some scholarships and I will try to help her out as much as I can.

My next three children have some scholarship money available from their adoptions. My special needs son also has some scholarship money that we have been able to use to provide for his current education. The money not used could possibly be used for his education later on.

My youngest two will probably need some type of account set up for them. Who knows where their paths will lead. I know right now they have plans to follow their big brother’s foot steps in the military but that may change in the future. There are a couple of different educational savings plans recommended by Dave Ramsey that I have been looking into for saving.

I do want them to have the best future possible and I plan to do the best I can.

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