july tuition update

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this past month has been, to say the least, wonderful. i only have one job, praise the Lord! and while i’ve cut back on work, so has bryan. he’s taking a sabbatical if you will.

just in case you think we’re awesome at money stuff with all these posts, i’ll have you know that bryan hasn’t worked all of july for no particular reason and we’re totally okay with that. after all, bryan just has one more year of school and then he’ll begin working fulltime for the rest of his life. i think it’s totally okay for him to have one more summer in which he doesn’t have to work his butt off.

sometimes, it’s good for me to reduce my “gazelle intensity” for the sake of being human. i’m not going to be perfect all the time, no matter how much i’d like to be. we are definitely still striving to remain debt-free through college and i’m often intense about that goal. but bryan is going to get some good turnover hours this weekend and has a potentially awesome opportunity to work this fall, so we’re trusting God and His provision.

we’ve also had to do some budget slashing due to the fact that i’m not working like crazy anymore. i’m soooo thankful for one fulltime job that i love, but it does mean that i’m not making as much money.  i’m also okay with that. i’m actually kind-of excited to start couponing more and making every effort to save as much money as possible.

all that being said, we were able to put a good chunk in savings this month, thanks to paychecks for june work that didn’t come until july. here’s the update:

tuition for 2011-2012 school year: $9,654.00
savings at the end of july: $3,724.36
difference: $5,927.64
percentage saved: 38.58%
percentage left to save: 61.42%

we only need $427.64 more and we’ll have everything except for the $5,500 in loans we’re taking out (the good kind-of loans-where we’ll have 6 months to pay it off with no interest). even if we can’t avoid loans entirely, i’m pretty confident we’ll be able to avoid paying any interest. we’re getting there!

fabric flowers with tutorials

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i made three different kinds of fabric flowers this week. i might be addicted.

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the rosette
i found a great tutorial here for these little rosettes. i made 4 or 5 before i really got the hang of it, but after that it was a breeze! i never pass up a chance to use hot glue either. i love that i know how to make these because they are so versatile. they can go on wreaths, shirts, pillows, headbands, necklaces, etc.

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the button flower
this tutorial uses felt to make these flowers, but i used regular old scraps of fabric because i don’t really love the felt look. but i loved this tutorial because of the buttons and the “S” formation [genius!]. these were much easier to make consistent flowers and once again, i love hot glue!

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the target flower or the mikki flower
mikki, congratulations! you’ve now been mentioned twice on my blog!
my flowers were originally inspired by a hairpin from target, but made possible by my friend mikki, who made a bunch of this type of flower for her bridesmaids and as party favors at her wedding shower-what a cute idea! the only sad thing about these flowers is that there is no hot glue involved. it’s a shame really. i’m going to try to whip together a little picture tutorial later on today if i can figure out indesign.

as you can see, i’ve attached all of these to headbands. my adorable but bald niece is turning two next month and i’m working on a bunch of cute things to send her.

happy crafting!

basic budgets & sinking funds

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calculating kids

dave ramsey preaches the zero-based budget. personally, i highly recommend this idea.

the basic idea is that you “spend” all of your income on paper. when you receive your paycheck, write out where that money needs to go. the order i use is giving (or tithing), bills, sinking funds and cash envelopes. all are equally important, but my order goes from least flexible to most flexible.

for instance, we give a “non-negotiable” amount to our local church
next, our bills are mostly the same every month
then, we have our sinking funds and some are more flexible than others
and then our cash envelopes, and i’m the master fudging our grocery budget : )

subtract all of the above expenses from your net income and your number should be $0.00. thankfully, it’s not a super complicated idea.

it’s also not the only way to do a budget, it’s just our method of choice.

what is a sinking fund?
a sinking fund is a “savings account” that you deposit small monthly amounts for those large irregular expenses such as auto insurance, property tax, christmas, vacations, etc.

here is why i love sinking funds:
they save you money
we save over $200 each year by paying our car insurance in full every six months. if we didn’t use a sinking fund to save up for our car insurance, we would be unprepared to pay this larger amount and have to pay a more expensive monthly price.

they save you from stress
what? christmas is here already? i have seven immediate family members, six in-laws, one niece, four “adopted” family members and one husband. that’s a lot of presents! not to mention mailing out christmas cards, travel expenses, and a slew of other things i always forget that cost money around christmas time. because we save up for the expense of christmas all year round, it’s not nearly as stressful.

they keep it real
sure, it would be great to spend thousands of dollars on vacation every year, but realistically, we can only afford to save $40 per month toward a vacation, which totals up to $480 annually. we can still have a lot of fun with 500 bucks, and it keeps us from having unrealistic expectations for our vacations.

here’s a list of our current sinking funds:
general savings
auto insurance
christmas
eye exams
vacations
home insurance
property tax
birthdays
vehicle tax

she wasn’t always patient

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a while back, i was thinking of my mom. as i was reviewing how awesome she was in my mind, i remembered potentially the best ami quote yet!

“collect your thoughts and get back to me”

now you know my mom wasn’t perfect, just in case you had the impression she was.

she would say this to us often. her time was precious, she had six mouths to feed, six dirty shirts every day, six heads to count at all times. and you know how children are, they call for your attention only to hmmm and ummmm their way through what could be a very short question.

i know i did this a fair amount of times, but i remember my brother adam being the worst. he would take so much time to ask a simple question.

so, in all her wisdom, she would look him in the face and say gently:

“collect your thoughts and get back to me, adam.”

he’d either spit it out right then and there, or he’d really have to collect his thoughts.

it worked like a charm.

‘member that time?

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‘member that time my grandma tried to get my grandpa to stop smoking (after he had been for 50 years)? ‘member how she thought the best way to do that was to put handwritten notes underneath his clear ashtray so that he’d be immediately convicted to stop right then and there? 


my favorite thing she wrote on one of them was a bible verse about the second coming or something and her words below it:


“think about that!”




[it’s ‘member that time monday at the van voorst‘s blog!]

for my non-facebook friends

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Photo on 2011-07-22 at 13.42 #4

sometimes, i get cahrazy and chop my hair off. and i know at least one person (ahem, leah) doesn’t have facebook. so this is for you, leah! here’s the new do! i’m pretty much in love with it!

here was my inspiration:

the book list

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the first 6 months of 2011 have completely flown by for me. i believe this to be the result of working a bunch and barely having time for anything else. but life has started to slow down-God is good! 
these past couple weeks have been blissful, i’ve slept a lot. like 10 hours a night some nights. it is seriously as if i’m catching up on all the hours of sleep i missed the past year. but sleep is boring, it’s not really worth it. i’m just as awake if i get 10 hours or 6 hours. i think i’ll go for a happy medium. but what i’m trying to say is that i want to be more productive with the extra time i have.  

i rather enjoy having a list of goals on my blog, it really motivates me to actually reach them. one of my goals is to read 20+ books this year. so far, i’ve finished three. like i said, i’ve been busy!

speaking of goals, craft of the week will be back next week! how excited are you?!

cheers to knowledge, recreation and relaxation. cheers to reading. cheers to book lists:
finished:
mortom by erik therme (not yet published, but very entertaining!)
a knitters home companion by michelle edwards
stuff christians like by jon acuff
on the list:
organized simplicity by tsh oxenreider
for women only by shaunti feldhahn
the life you’ve always wanted by john ortberg
sticky church by larry osborne
quitter by jon acuff
gazelles, baby steps and 37 other things dave ramsey taught me about debt by jon acuff
the appomattox saga series by gilbert morris
a lineage of grace by francine rivers
something (suggestions are welcome) by karen kingsbury
slaughterhouse 5 by kurt vonnegut
catch 22 by joseph heller
the grapes of wrath by john steinbeck
east of eden by john steinbeck
the hidden art of homemaking by edith schaeffer
that’s what i’ve got so far. my goal is not necessarily to read all of those books this year, but i definitely want to read at least 17 more books. 
any suggestions? 

the debt snowball

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calculating kids

note: in the last couple posts i stated that we had $13,000.00 in debt at the beginning of 2009. after going through our financial records and realizing i don’t have much recorded before june of 2009, i’m going to revise that statement. we had approximately $13,000.00 in debt in june of 2008. i thought you might appreciate correct facts! 

here’s what 2008 & 2009 looked like for us, debt snowball style:

2008
in six months (june-december), we paid off roughly $3,000.00 in debt. i didn’t keep great records of our finances personally, and mostly relied on online banking. so this a rough estimate.

january
started the year off with a little over $10,000.00 in debt
fully funded our honeymoon budget with christmas money/bonus
started financial peace university with our connection group
paid off debt

february
started couponing more
received a tax refund
put $1,000 in an emergency fund
paid off debt

march
found out my dad lost his job, God provides for our wedding.
purchased our wedding bands on 0% interest credit: increased our debt by $500
shared all of the above with our connection group
paid off debt

april
worked on our married budget a lot
decided to live off my income after we get married
paid off debt

may
got married!
paid cash for our honeymoon
wrote hundreds of thank you notes to our generous wedding guests
cashed our wedding checks!

june
started married life with about $8,000 in debt
paid my car payment down by $2,000
started saving for tuition

july
paid my car payment down by $900

august
paid off my car (our only interest-accruing loan)!

september
paid off our wedding rings!
paid down our debt to bryan’s parents by $850
ended september with $2,600 in debt

october
bryan’s car requires $2,620.68 in repairs

november
paid for the car repairs with the money we were going to pay off our debt to bryan’s parents
stopped in awe at how precise the numbers were
revised our debt pay off plan
ended november with $2,600 in debt

december
bryan’s parents gave us the gift of being debt-free by forgiving the balance on our loan from them!

by God’s grace, we started 2010 with a plan to move to iowa city, and nothing in our way. we had no debt! hopefully this encourages you that in time and with a lot of effort & hard work, being debt free is possible!