Family Motto

We have a saying in our family that we like to repeat over and over to our kids: "You do good things, you get good things. You do bad things, you get bad things. " We have seen this motto come true more than once, more than twice. We believe this statement to be very true.
Last night Matt and I canceled our cruise. It was a very hard choice to make, but we new it would turn out to be a "good thing".
Today, Matt met a guy at the Salt Lake LDS networking class and wants to interview him tomorrow. (Matt hasn't had an interview for 2 1/2 weeks.)
Later tonight we received a big care package on our door step from some kind person(s) that knows of our situation and cares about our family. (Thank You)
I truly know with all my heart that Heavenly Father has a perfect plan for all of us. Sometimes he puts people in our lives to help that plan move forward. I am so grateful for this opportunity to witness selfless acts of love and kindness. Despite the hardships and heartaches of this trial, it is the PEOPLE in my life that make everyday, easier!

Facing Disappointment

I know we have all had to face disappointment in our lives. Matt and I had to make a very tough decision. For anyone that knows me, knows that I love to travel. I am always planning the next trip. We had booked a cruise with our friends the Merritt's before Matt became unemployed. We thought Matt would have a job for sure and with the cruise in Nov. we thought we had plenty of time. We were both looking forward to this trip...to finally go on a trip with our friends and to also have a little relief from the stresses of life. Well, as the days get closer, we had to make a choice: go on the cruise and feel guilty and have remorse when we got back from the cruise OR cancel and still get our money back and put it towards a credit card. Well, since we have made commitments to each other to work towards financial peace, we knew what we had to do. The hardest part was telling our friends. We knew they would be understanding.

I know that this is a big step in the right direction. I have been trying to teach my children about instant gratification. I realize that I need to teach them by example.

It feels good though to know we're doing the right thing for our present and our future.

Our Financial Journey for Peace

I entered a contest to win a Financial Makeover for 1 year. I was informed last Thursday that I was not selected as one of the finalists. I was very discouraged, because I knew this would be an answer to many many prayers. "Oh well" I thought to myself. "I can do this with the help of my husband. I can find Financial Peace without the help of professionals." And that is exactly what I'm going to do. I decided to still blog about our journey. So, feel free to join us along the road of ups and downs, successes and failures, good days and bad.

Day 1: Recognizing the Problem:

• No Employment!
  
• Debt to Income
• 4 Credit Cards
• Time Share
• Home Equity Line
• No emergency funds

Solution:

• Find Employment
• Make and use a Budget
• Sell Time Share!
• Get rid of 1 credit card at a time.
• Change bad habits
• Put money into savings every month
• Plan and prepare for Future.
• Help someone else in need
• Teach Children how to manage money.

I know this is a big list and may take years to check everything off. I am committing myself to work on this list everyday. My goal is to have financial peace, to teach my children to be wise with their own money and to save for a rainy day.