Breaking Down My Goals – Financial

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D w-Total Money Makeover BookSimply put – saving money is hard for anyone.  Including us.

This is the last post on “Breaking Down My Goals” for the Twelve Goals of Twelve that I’ve set forth for the year.


In the financial area, and because I’m trying to be open and honest with my children (and anyone else who reads this blog,) we should be able to save $12,000 by the end of December.

We are intending for that amount to be earmarked for purchasing a new-to-us vehicle in the latter part of 2017.

I don’t intend on giving a month-to-month blog post devoted to this goal.  I’ll probably just let you all know if we complete it by the end of the year.

There’s no plan for this other than continuing on doing our budget every month per the Dave Ramsey plan guidance he sets forth in his book, The Total Money Makeover.

We’ve been following that financial peace plan for about six years now, and it has brought my husband and I peace of mind like no other.

Our story is like anyone else: Six years ago we were in debt up to our eyeballs, we had car and home loans to pay, and we couldn’t save two nickels together even if we wanted to.

It wasn’t until we learned through the Total Money Makeover book how to control our money so it wouldn’t control us that we learned what the definition of maturity is in the financial world – Children do what feels good.  Adults have a plan.

I highly recommend reading that book or attending a Financial Peace Course in your area.

I’m preparing two class sessions for church based off the book now and I hope to get my thoughts out on this blog too.

Have a great week and may your financial dreams of this year come true!

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A Letter to My Mother

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IMG_6279[1]Dear mom,

It’s been a year since your passing.

I believe you’ve been able to see all the goings-on with your family as they bring joy, and I know there’s no tears in heaven.

Life without you has been very different, and you are very much missed.

My children all have photos of you in his/her respective rooms, something that they asked me to do after you passed, and although I wasn’t ready to look at your beautiful face in those photos, they wanted to do it everyday.

When I tuck them in bed each night it is I who am blessed to be able to look at those photos and recall the wisdom you passed onto me with your love – your unconditional love that I took for granted all the years I got to spend with you.

Thank you for teaching me everything I needed to know to “make it” in this world.

I won’t ever be able to demonstrate love like you and I can only hope to strive to be half the person you were with that gift you had.

There are bits and pieces of memories that flood back to me now and then, and even though I may shed a tear because I am no longer able to share more memories with you, the blessings I receive of memories bring me nothing but smiles, joy and hope.

I praise the Lord that somehow through Him you have been able to whisper things to me, including the fact that you are proud of me that I run and am taking care of myself.

Please continue to plead with the Lord to work on softening my father’s heart, as it has been through so much in the past year.

Thank you for continually praying for me and my brother when you were here.  I have no doubt that it was because of those prayers that I am able to write this letter to you today, and share with my family the wisdom, grace, and love that the Lord blesses me with that you passed onto me.

I will be forever grateful to the Lord that he chose you to be my mother, knowing that only you were the one that could pray for me and watch me do the things that I had to do (including mistakes) in order to be the person I am today.

I know I’ll be seeing you in the future, and as you prayed the same sentiments before me, I continue to pray your prayer that the long life ahead of me be filled with Christ-centered thoughts, love, hope and peace.

I love you and miss you,

D’Andra


Here is my mom’s tribute on You Tube.