The Little Things

I know that I have written before about how Dave Ramsey and Financial Peace University Changed My Life, but I was thinking about the little things that have changed in our lives since we started being more financially responsible. I also thought about dedicating that blog post to the two college couples in our student ministry who are getting married very soon and all the conversations I have had and will have with them about how to make their marriage strong and how to get by financially and just life in general. So as I sat there on a snowy Sunday afternoon clipping my coupons and later working on my design stuff, I thought I would write about a few of the things we do to make our marriage stronger and to get by financially.


3 Things Jimmy and I Do to Strengthen our Marriage:

• Spend Time in Prayer
 Every night when Jimmy comes in to tuck me in (he goes to bed later than I do) we spend time cuddling and talking and we end in prayer. It isn't long, but it is very meaningful. I love that he prays about 90% of the time! It isn't that I am not capable or that I don't want to, but that when he does it makes me feel protected and taken care of and loved.

• Communicate
 I have to be totally honest on this one. Sometimes our communication comes out in a loud volume or in a heated discussion but at least we are communicating. We make a conscious effort to try and let the other person know what's going on. Whether that is passing on important news, what we have done today, or taking the time to resolve an argument it's important and we try. We are NOT perfect and sometimes we fail miserably at communication but the important thing is that we try.
• We say "I Love You"
Jimmy is way better at this one than I am. I am not always a very open or verbal person (stop laughing because you are thinking about how long my blogs are). I am quick to tell him back but sometimes I fail at initiating those three little words. So I really do have to try. I want to be the one that says them first sometimes. So when I fail at the verbal I love Yous. I try to find other ways to let him know how much I love and respect him. Too often we forget the difference these three little words can make. If you aren't doing it already, try to say I love you (verbally or through your own method) to your spouse everyday and see what a difference it can make.

3 Things We Do to Be More Stable Financially:

• Live by Our Budget
After three plus years of following the Dave Ramsey Method. We are getting pretty good at making a realistic budget. Are we as good at keeping it? Not always. It takes a lot of self-discipline and weeks like this one where we get a little off track can be difficult and frustrating because we know better. Still having a plan that we can go back to when we realize that we have gotten off track helps. If you need help learning how to make a realistic budget or learning how to make your budget actually work please visit the linked blogs for more information.

• Yes, We Clip Coupons
This one takes a lot of time and effort but you can get really great results. Now I am not an extreme couponer like the ones they have TV shows about but I do make an effort to clip coupons for products that I know I need and for ones that I already use. I don't know about you, but there are a few products (like me girl stuff) that I am always going to buy my name brand for. It just makes me feel better. So why not save some money? There are a TON of great resources out there if you want to start saving some money with coupons. I suggest starting with Coupon Mom.

• Every Little Bit Counts
This is one of the biggest money savers! It is simply keeping in mind that every little bit counts! When we started thinking this way we changed a few things. We started putting our change into a jar and when the jar was full we would take it to the bank and deposit it into a special savings account. We now have a small but growing savings account that we are saving specially for buying things when we have our first baby (whenever that is)! I also started designing and selling items on Zazzle and Etsy and it turns out that people really like my work. There have been many months that I have been able to put a little more money toward dumping our debt and paying off our credit cards because of making every little bit count. It also opened up a whole new dream and realm of possibility for me. I don't know that I would every be pursing graphic and web design now if I hadn't given this a try in order to make extra debt payments.

Ok, I know that this post was really long! Thanks for hanging in there with me. I just had so much that I am thankful for and that I wanted to share with you. I hope that some of this has been helpful to you and encouraged you.

Grace and Peace,
Christiana

Other Resources:

• See Christiana's baby designs: The Baby Store at Zazzle.com
• See Christiana's Christian and general designs: Christianphotogirl at Zazzle.com
• Visit Christiana's freelance graphic and web design business: Mustion Design
• See Christiana's handmade and other custom designs: Master Design at Etsy.com

Managing Money Madness Pt 1: Budgeting

Yesterday we talked about Money Madness and how it all begins by losing perspective on the role money should play in your life and your marriage. Over the next couple of days (or however long), I want to provide you with some tools to help keep your perspectives in their proper place and to help you manage the money madness.

Tool Number One: Budgeting

Many of us have heard about budgeting and that it's important, but if you're like me I never actually knew how to set up a budget that works until a little over two years ago. Having a plan in place has tremendously reduced the money stress for Jimmy and I. It's not that we make more; it's just that we are better stewards of the money God has given us because we now have a plan in place to help us accomplish our goals.

What is Budgeting?

According to Dictionary.com these are just some of the definitions of the word "Budget".
Budget –noun

1.	an estimate, often itemized, of expected income and expense for a given period in the future.

2.	a plan of operations based on such an estimate.

3.	an itemized allotment of funds, time, etc., for a given period.

4.

the total sum of money set aside or needed for a purpose: the construction budget.

In Christiana terms, a budget is my plan for what to do with my money this month. Now that we have talked about what a budget is, we can talk about how to make a budget.

Making a Simple Budget

One of the things that helped Jimmy and I to get our finances on track was taking one of Dave Ramsey's Financial Peace University (FPU) classes. The course covers all the basics of budgeting, getting out of debt, planning for the future, investing, and more. It was a very useful class so I want to pause a moment and give you some links to more information about FPU and Dave Ramsey. If you want to know more about Dave Ramsey, click here. If you would like more information about an FPU class in your area, click here. Part of the reason I wanted to give you these links is because Dave has really helped us and part of it is because I want to refer you to Dave's simple budgeting forms to help you make your own plan.

Step One: Figure out How Much You Make Each Month

Add up all income sources for you and your spouse to get the total amount of income you will have for the month. I know that this is trickier for some because you are not salaried or you might work on commission. If you are in these situations, I would base your total income off an average of your income for the last few months. This might take a little research on your part but you can do it!

Step Two: List all Your Bills and Expenses for the Month

The first part is easy. Most of us know which bills we have to pay every month and about how much they are going to cost. So write them all out (I would also make a note of when payment is due--we will use this later). Now that you have listed rent/house payment, car payments, cell phones, internet, cable, credit card payments, school loan payments, etc. It's time to work on the expenses. This is a little tricky and may take some estimating. Do the best you can in estimating how much you spend on clothing, hair cuts, toiletries, medications, gas, food, etc. Don't worry you will probably change this later anyway, so just give your best estimate for now.

Step Three: Make Your Budget

Now this is the truly hard part. It's not that the dividing of funds is hard. It's seeing just how out of whack our finances can be that is hard. CLICK HERE for Dave's downloadable budget forms. They are easy to use and they can help you to think of areas you might have missed.

A COUPLE OF NOTES

*Your budget WILL NOT be perfect the first time! Dave estimates that it takes 3 to 4 months for you to get most of the bugs worked out of your budget.
*Your budget MOST LIKELY will change each month although some items will remain the same.
*The key to a successful budget it to PLAN AHEAD. You might not need to have any car repairs done this month, but if you plan ahead and budget $20 a month for car repairs that you save until you do need them then when your car breaks down and costs $400 to fix it won't be nearly as stressful because you have been saving money toward such an event.

Now back to making your budget. The best option is to make what is called a zero based budget. This means that you plan for ALL money you make with a remainder of $0 unplanned. This means that you will even plan how much spending money you and your spouse will get to do whatever you want with it. I suggest that you start filling in the form by writing in your necessities housing, food, transportation, etc. Then work on your other priorities such as bills. Finally, use the remainder for savings, spending, etc. NOTE: DON'T FORGET TO TITHE! I personally believe that this should be #1. Jimmy and I have found that when we commit to giving God His money first, we will always have enough to pay for our necessities even if we don't always know where the money is going to come from.

Give It a Go!

So take some time and have a "budget meeting" with your spouse. Do your best to estimate your income and expenses. If you need helps or have comments/questions, feel free to come back and post or you can look for answers on Dave Ramsey's Website. Happy budgeting!