tag:blogger.com,1999:blog-3432145843007691256.comments2022-11-15T06:24:15.596-08:00Money and MeJenniferhttp://www.blogger.com/profile/05584963266765648468noreply@blogger.comBlogger37125tag:blogger.com,1999:blog-3432145843007691256.post-68591851914190060982012-02-02T18:55:41.012-08:002012-02-02T18:55:41.012-08:00Great start Jennifer!Great start Jennifer!Eco Mamahttp://doulamuse.wordpress.com/noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-4282697677898594382012-01-31T18:36:16.722-08:002012-01-31T18:36:16.722-08:00It's gonna be so much fun. :) Can't wait t...It's gonna be so much fun. :) Can't wait to get started. :)blessedabundantlyhttps://www.blogger.com/profile/07288133598000674644noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-21977348815574204652012-01-31T16:37:23.888-08:002012-01-31T16:37:23.888-08:00Blessings on your journey!Blessings on your journey!Doula Brandihttps://www.blogger.com/profile/13391149764513587337noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-70961831995546072592012-01-29T05:53:03.326-08:002012-01-29T05:53:03.326-08:00I'm routing for you Jennifer!I'm routing for you Jennifer!Semaleehttps://www.blogger.com/profile/08928070007115440904noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-78682115136790487112011-10-17T12:27:04.280-07:002011-10-17T12:27:04.280-07:00Hang in there!!! It is hard but you will conquer i...Hang in there!!! It is hard but you will conquer it! Focus on the baby steps and those will eventually take you to the bigger steps.crazymamaof3https://www.blogger.com/profile/03019083423090611261noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-67519541513884099492011-05-19T21:17:30.808-07:002011-05-19T21:17:30.808-07:00I understand full well how intimidating it is when...I understand full well how intimidating it is when someone you know and love reads your darkest secrets. It is scary, but it is also brave and healing. Thanks for sharing it with us. Praying for you to find peace and healing from addiction. Love you my friend (and I don't think less of you AT ALL for sharing!!!!!!!)Dawnhttps://www.blogger.com/profile/05886626878002819010noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-69458983562859685982011-03-10T20:40:50.597-08:002011-03-10T20:40:50.597-08:00Stay strong! :)Stay strong! :)Richele McFarlinhttps://www.blogger.com/profile/14778804579496946142noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-69370959716907327012011-03-10T05:07:00.126-08:002011-03-10T05:07:00.126-08:00I know how hard it can be. Good for you for delet...I know how hard it can be. Good for you for deleting those emails and trying to stay strong!Christy Killoranhttps://www.blogger.com/profile/07159841014641280973noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-24131093637097807602010-12-17T09:54:23.196-08:002010-12-17T09:54:23.196-08:00(((((hugs))))) I have so been in your shoes b4 gir...(((((hugs))))) I have so been in your shoes b4 girl.. It took us moving over sea's to get life in order and on track with our money... I know it is hard.. and I always feel the same way about the holidays and not wanting my kids to think they can do this all too.. try to keep your chin up girl..Beckman Familyhttps://www.blogger.com/profile/12748628758655426787noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-53200845953663538422010-12-14T15:58:26.673-08:002010-12-14T15:58:26.673-08:00I am so glad you posted. This is such an importan...I am so glad you posted. This is such an important topic. My husband and I decided we are not giving gifts this year. Many people are supportive but I have one family member that is actually mad at me! Does she really want me to go deeper in debt? I explained why I have to do this and that it is not personal. I sent Christmas cards to family and friends and included photos I took of the children. I am only buying gifts for the children. You can do this!lynnnoreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-12446955781699184202010-12-14T15:30:02.835-08:002010-12-14T15:30:02.835-08:00I'm so sorry you are struggling with this Jenn...I'm so sorry you are struggling with this Jennifer. I do somewhat still, but it's gotten better. I decided a few years ago that I really couldn't continue to go into debt over the Prince of Peace's birthday. He doesn't want the gift of stress for His Birthday. We decided that year that the kids would each get 3 gifts from us (and 1 from Santa) per year. Afterall, if 3 was good enough for Jesus then it's good enough for my kids. And you know what? The grandparents make up for it since they get so much we could just get nothing and the kids would do just fine. The grandparents get some type of gift from us with the kids photos on it and that's all we do. I see your beautiful crafts and I bet everyone in your family would be more than pleased with something simple and homemade. If they knew the gifts you got them stressed you out to this point they probably wouldn't enjoy them much.<br /><br />I hope this doesn't come as a "this is how you need to think" but rather that I see the beautiful person you are and how great your heart is and I'd just like to encourage you past the "spending spree" part of Christmas and onto the focus of "less is more". It's been so much more for my family and I know when you are able to fully embrace it you will be able to enjoy the entire holiday season!Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-73900328133117730002010-12-14T11:50:07.756-08:002010-12-14T11:50:07.756-08:00I want to say "I'm sorry" but I have...I want to say "I'm sorry" but I have a feeling that's about the last thing you want to hear. <br />Have you heard or read about Dave Ramsey and his Total Money Makeover? I am here to tell you that it changed the way I think about money. We are FAR from in a good place financially, and I regularly have to "rob" one account to cover another by overspending on a certain area within our budget...and I won't even talk about the state (ZERO) of our Christmas budget right now. Had we been following our budgeting closer I would not be stressing as much about gifts. <br />Just know that I am here, reading and nodding my head in agreement with your struggles. You are NOT alone my friend!Kerryhttps://www.blogger.com/profile/14915461053780267127noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-37188471365787740472010-12-14T06:48:03.505-08:002010-12-14T06:48:03.505-08:00You can do it! Do you attend a church at all? Ma...You can do it! Do you attend a church at all? Maybe seeking some counselling would help? I pray that your new year is a new leaf and a great start to a new life, financially fit!<br /><br />MelissaMelissa N.https://www.blogger.com/profile/02954776109356807170noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-49090978909426245392010-11-09T08:27:18.232-08:002010-11-09T08:27:18.232-08:00Jenn, I have read your latest blog, and I too can ...Jenn, I have read your latest blog, and I too can relate. I look forward to new entries and I can see that I am not alone!mom of 4 boys!https://www.blogger.com/profile/13691023278353400685noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-81783552458459014462010-11-04T16:09:56.306-07:002010-11-04T16:09:56.306-07:00Please keeping writing on this blog. It is an imp...Please keeping writing on this blog. It is an important topic that hardly anyone talks about. My husband and I have both been overspending for years. We decided last month to put ourselves on a no new charges on our credit card diet. In the past if I had cash I paid with cash. But if I "wanted" something I wiped out the credit card instead of waiting for the next payday. I agree with Jenny's comment about corporations driving our "need" to spend not only our current money but our future paychecks also! In the past we were able to move our debt to a low interest credit card but we just had several companies reject us. Luckily our interest is only 10% so I know I can't be late even once or the terms will change drastically. Keep your chin up and the posts coming!Lynnnoreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-6980793400870657752010-11-02T09:09:48.045-07:002010-11-02T09:09:48.045-07:00Jennifer,
Thank you for your comment, it lead me ...Jennifer, <br />Thank you for your comment, it lead me here. I don't know your full story, but I can relate to your shame over debt. We have been hard at work attacking our debt since the beginning of 2008. In the time since my husband lost his job and we had another baby. But we have managed to not add to the debt and in January it will be three years, and we will have paid off $50K in debt. And unfortunately there is still a ways to go. You are not alone. I promise. Even many of those that are not what you might identify as a compulsive spendor/debtor are in over their heads with cars and mortgages that make life difficult, and somewhere along the lines we've been taught that if you ONLY have a house and two new cars as your debt, you are debt free. Well that simply isn't true. How is it that we live in a world where 300-400K in debt is debt free? Our Grandfathers would roll in their grave. <br /><br />I also want to tell you that it isn't your fault that you got here (wherever here is, like I said, I need to read more of your backstory). Corporations have spent BIG bucks convincing us that we NEED more than we do and they have provided an easy way to get it. It's not our fault that we got here, all we can do is make a plan, and be patient and diligent to get there. Each January, we celebrate how much we've paid off, because it is hard to feel like we are getting anywhere. We are still broke, just like we were when we were adding debt, even more so. But take snapshots of what you've accomplished. We follow many of Dave Ramsey's tips because he's worked for us, and reading one of his books is what gave us our wake up call that adding a few hundred a month to our debt to make ends meet was not okay. As you know, $1000 can appear on a credit card in the blink of an eye, but it takes months to pay that off. <br /><br />Good for you for talking about this. I've been told "I can't believe you gave the $$ amount, that's too much information". It's not like I'm putting my SSN on my blog, but in January of 2009, I wanted to celebrate how far we'd come! Putting it out there also suggests to others that it is possible, I didn't get many comments about that blog either, but I can only hope that I might have encouraged someone who was not brave enough to reply.<br /><br />Good luck to you... I would love to be a support and encouragement to you and your beautiful family. You are doing good!Jennyhttps://www.blogger.com/profile/10607355428134594306noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-33300006884861415112010-10-31T11:39:28.263-07:002010-10-31T11:39:28.263-07:00Definitely need help with this, will follow a...Definitely need help with this, will follow and take some much needed adviseKaren Whittalhttps://www.blogger.com/profile/07949558868600221016noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-60840932328094858232010-10-30T03:59:55.450-07:002010-10-30T03:59:55.450-07:00Loved goin thru ur blogs !!!
-Smita
littlefoodj...Loved goin thru ur blogs !!! <br /><br />-Smita <br />littlefoodjunction.blogspot.com<br />(fun food ideas for kids )Smita Srivastavahttps://www.blogger.com/profile/04196994078549922033noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-63993056387692491772010-10-29T08:31:18.797-07:002010-10-29T08:31:18.797-07:00Being honest with yourself, changing your ways... ...Being honest with yourself, changing your ways... you're on the right track! Good luck and keep it real. You can do it!<br /><br />And if you feel guilt from buying books, remember - one trip back to the store to RETURN them is a good feeling too. It's only pennies in gas but oodles in returned money to the bank account and self-esteem.<br /><br />A new Friendly Friday Follower,<br />Julesrarejulehttps://www.blogger.com/profile/07569577240916832689noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-87648947424929156042010-10-29T07:02:22.457-07:002010-10-29T07:02:22.457-07:00You are doing great. I admire your courage to put...You are doing great. I admire your courage to put it all out there.Christy Killoranhttps://www.blogger.com/profile/07159841014641280973noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-55053669283236589182010-10-27T16:16:23.859-07:002010-10-27T16:16:23.859-07:00Jennifer, you should check into bookmooch.com and ...Jennifer, you should check into bookmooch.com and paperbackswap.com<br />I belong to both and have gotten some great books. You can list books of your own and then you get credit and get books from others. If you want to join I can refer you.Stacy, Derek, Tyler and Matthewhttps://www.blogger.com/profile/13615654686243562053noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-45412828703853472692010-10-26T20:38:18.818-07:002010-10-26T20:38:18.818-07:00That is awesome insight that you are getting now t...That is awesome insight that you are getting now that you started the tracking; seeing the insanity of listing the books on EBay and then buying more. I think I'm afraid to write mine down because maybe I don't want to see how bad my compulsive spending is ... but maybe it's time to use that link. Thanks for sharing this.Tracey M.https://www.blogger.com/profile/12360223480056267669noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-73318145256579062522010-10-26T10:27:01.358-07:002010-10-26T10:27:01.358-07:00One of the things I committed to when I began chan...One of the things I committed to when I began changing my ways, is not buying books. I request books from the library all the time now. If I see a book in the store or on Amazon that I really want, I request it from the library! This has saved me so much money. When we moved last November I donated over 500 books. I didn't find selling books to be worth it for me. <br /><br />On another note, I have to watch myself right now because Christmas is coming and I want to buy everything. My biggest weakness is girl stuff for my daughter. <br /><br />I'm going to check out that link. I could use a new system. I sort of lost steam with the one I was using. Thanks.Christy Killoranhttps://www.blogger.com/profile/07159841014641280973noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-40659965393187586472010-10-25T06:05:50.497-07:002010-10-25T06:05:50.497-07:00Thank you so much for posting your heart. I look ...Thank you so much for posting your heart. I look forward to reading more about your journey. The things you write about spending relate very closely to how I feel about eating...and it would be very difficult for me to keep a blog about my eating habits. Again, thank you for sharing.Rachelhttps://www.blogger.com/profile/10804266454821183864noreply@blogger.comtag:blogger.com,1999:blog-3432145843007691256.post-19372046826767845522010-10-24T16:51:02.032-07:002010-10-24T16:51:02.032-07:00I am a new follower
Nancy
www.findingblessingsin...I am a new follower <br />Nancy <br />www.findingblessingsineverydaylife.blogspot.comNancyhttps://www.blogger.com/profile/09445807428431917568noreply@blogger.com