Friday, February 27, 2009
live well, laugh often, love much!
Posted by BaileysMommy at 6:36 AM 0 comments
Tuesday, February 24, 2009
Short weekend, and a busy week ahead!
Posted by BaileysMommy at 7:33 AM 1 comments
Thursday, February 19, 2009
Happy Birthday Mom
Posted by BaileysMommy at 4:57 AM 1 comments
Wednesday, February 18, 2009
Tamale making and birthday planning
Posted by BaileysMommy at 6:20 AM 0 comments
Monday, February 16, 2009
What a perfect weekend & 10 months today!
Posted by BaileysMommy at 5:54 AM 0 comments
Thursday, February 12, 2009
winding down
Today was such an eventful day. I am constantly reminded why it is that I love Trav so much. He unlike anyone else knows exactly what to say to make me feel at ease, when I am upset about anything. After my interesting morning, Bailey and I headed out to do some Valentines day shopping for Papa, and just had a ball. Anyone who knows me is aware that I LOVE a sale! lol I never pay full price for anything, and usually find steals for pennies on the dollar. The last time I shopped for stuff for the family at Old Navy, I spent under a hundred dollars and got like 40 things! Trav loves that I really search for a deal before buying stuff. That is one of the many things I do to allow us to live off of one income. That and if we do not have the money to spend for whatever it is, we do not buy it period. It is a great rule to live by. I have been asked by a few people how I am able to stay at home. It started it off by saving long ago when we first talked about having children. We paid off cars and continued to save. We do not eat out alot and never have. I do my own nails. Shop sales for everything. The biggest thing we did was budget, and made sure not to buy things we could not afford. Sure we would love to have a plasma TV, but if it has to be bought on credit, we truly cannot afford it, and that just starts the hole of debt. We both had the same common goal from way back, and were determined to make it work. When I was preggo and still working all my money went towards paying for everything that we would need for B. Stroller, swing, clothes, furniture, etc. We knew then that we could totally live off of one income, because we were. We also do not have to buy diapers, wipes (since I used cloth there too), and I make reusable paper towels. Cutting cost wherever you can helps tons. I also buy in bulk if it is a great deal. When we sat down to budget for my new car we calculated how much was coming in and going out, and what we could afford to pay monthly without making us feel strapped for cash. We do that with every larger purchase we make. I know recently we had looked into getting a SLR camera, and we figured out what we could afford and it is my job to shop around and find one at that price. Trav and I work so well together, and I do not always stick to the budget, and usually it is groceries that I cheat on, but you have to leave room for that also. One thing I cannot stress enough is taking care of your credit. I learned the hard way when I was younger and made some mistakes that I barely got rid of recently and my credit is worlds better. When you have awesome credit you can qualify for 0% interest on vehicles which is ideal, and also deals where if you need something and do not have the cash you can get it for no interest and no payments for a certain period of time and if you pay it off within that time it is all gravy :) So if you have credit anywhere make sure your payments are ALWAYS on time. Protecting your credit is huge! We really have made many changes that we are so happy to make to afford the life we live now. We were talking the other night about our local bar we used to go to quite a bit out here. It was not unusual for us to go and spend 100 on having a blast in one night. We now enjoy a glass of wine or a beer at home for a couple of bucks. I used to go to starbucks often, and now might go once a month. I make green tea at home, and coffee on mornings that are rough. I also cook almost everything from scratch and that saves a ton at the grocery store. Buying processed or frozen foods is alot more expensive. Grocery shopping for me is a job itself! lol I sit down with the ads and plan my meals according to what is on sale. I am fortunate enough to have several grocery stores very close, so I usually go to a few different ones in my grocery day. I always eat before I go to avoid buying stuff because it looks good. I have also figured out food wise what is used alot, and if those things go on sale I stock up. Butter freezes really well, and so does bacon! :) Well I sure wrote a book! I know some of you were wanting to know how we do it, so those are some things we have done. I was trying to get to the good deal I got at Target today. My best friend just had her baby and I had been getting a care package together to send to her, and I wanted to get her some comfy pjs or something because I remember after having B, I just wanted to be comfortable. I ended up finding a 30.00 robe for 4.00! I was stoked, and also happened to go on the toy aisle and found a Radio Flyer pink tricycle for B at only 14.98 and it was 60.00 normally. A cute gift for Valentines day, although Trav is going to buy her something she can enjoy now. She is definitely not ready to hop on her trike! I was so excited to get those deals, and send Jess her package tomorrow. We got the grocery shopping done for my vday dinner. We are grilling filet mignon, and having cheese fondue with bread, apples, potatoes, asparagus, and for dessert choclate covered stawberries. I also got a bottle of my favorite wine to enjoy. I look forward to sharing the day with my little family. Well Trav came home today and told me that they are only promised work until June, which I am not surprised by. The company he works for has been subbing their jobs out to cheaper companies to make a profit. I see it as the perfect time to relocate, and I believe Trav sees it too. His only worry is selling the house, but we spoke tonight and we agree we wont know if it will sell until we try. If we put it up now, maybe by June it will have sold. It has def put a fire under my butt to start looking for opportunities elsewhere for him. I LOVE Georgia, and have already found some great companies looking for him one being Waste Management. We are not worried about him not having work, because he is a hard worker, and worrying does not change anything anyway. I guess we will see how it all unfolds in the coming weeks. I look forward to a change in scenery, and believe everything happens for a reason. Well I think I have said enough for tonight, but one last thing. I asked Bailey this morning if she wanted to go shopping, and she said "Yeah"...........I was like.......thats my girl! :)
Posted by BaileysMommy at 6:18 PM 1 comments
Today is going to be an AWESOME day!!!
Posted by BaileysMommy at 6:16 AM 0 comments
Tuesday, February 10, 2009
learning lessons through others mistakes....
This post is more of a vent to get something off of my shoulders that I had to deal with over the weekend. Who knows, maybe this could help someone else also. Normally I am not the type of person who even cares to get involved in other peoples business or dealings, however once in awhile I get sucked in for whatever reason and I do not mind. Mostly when it comes to my family I will really speak my mind, and have no problem stepping up to defend someone being taken advantage of. A little background on the situation first. I have a sibling who has borrowed money, bought things from family etc. and has been SUPER irresponsible in paying things back. Well over a year ago this sibling came to my mom and asked to borrow money to replace tires on his car so he could get to and from work safely. Of course with asking he promised to pay her back right away with his bonus he was getting. My mom did not have the cash to lend so she allowed him to charge the tires on a credit card with the understanding it would be paid back at bonus time. HUGE mistake on my moms part but she is super kind and really would help anyone out. I was around pregnant at that time so that is how I even knew about the situation. Well what do you know, bonus time came and went and NO paying my mom back. It was excuse after excuse, and he told my mom I will pay the payment on the card and pay it asap, no worries. RIGHT!!!! Before she knew it she was getting phone calls saying the payment was not being made, and she was having to hound him just to pay the payment. This makes me so upset just typing about it because of the absolute disregard and respect I see coming from family. It gets worse though. So in the meantime a year passes, still not paid my mom back. Christmas rolls around and he is bragging about the amazing gifts he bought for his family. REALLY? So you have the money/credit to go all out at Christmas time yet you cannot pay mom back? I assume the gifts were bought on credit, but honestly that creates a monthly payment that could go towards paying off the debt that is owed to my mother. That ticked me off, but at the time was not my battle to fight although I felt sooo bad for my mom. To be screwed by your own family is a terrible feeling. So over the superbowl I get a voicemail from this sibling inviting us to a party he was throwing and I HAD to come to see his new plasma tv! SERIOUSLY!!! At this point I am just shocked by his actions. It is one thing to borrow money from someone and seriously have an issue being able to pay it back. It is a whole other ballgame to owe someone money, and be out making huge purchases and spending money they obviously do not have. Still though although upset, I was going to stay out of it......until Friday I get a phone call and it is this sibling asking me if I will babysit so he can go to Vegas to gamble!!!!!!!! What???? At this point I cannot believe his cajones!!!! I do not think he realized I knew about the money still owed. So I asked him if he still owed my mom money for the tires, and he was like oh yeah but I pay the monthly payment so were cool.................ummmm nope! At this point I could not keep my mouth shut so I said you pay the minimum payment soooo what? That will take you 15 years to pay it off. What about your original agreement to pay it off right away? You think it is ok to change the arrangement in your mind without sitting down with mom and having a convo about it? You respect her that much? Enough to be soooo poor you cannot afford to pay off your debt, yet you are out shopping with no limits at Christmas time, buying a new Plasma TV for the superbowl, and now calling me to babysit so you can gamble in vegas with your poor ass??? He went on to say he did not think it to be that big of a deal. Then I asked him about not even caring enough to make sure the bill was paid on time and asked if he had any regard for my moms credit, afterall payments wether on time or not are reported to the credit agencies monthly. It will also have a huge impact on APR's my mom will get in the future, and I am sure his paying some super high interest. He said of course I do. I told him you can do whatever you want to ruin your own credit, but to do it to family is the lowest of low. We live in a world where your credit rating is HUGE!!! One late payment will affect it, and to do it more than once is a shame. I explained although I am sure he is aware that credit is needed to buy a home, get a good APR on a new car, really for TONS of stuff. I told him just keeping that money in my moms name shows as HER debt so if she goes to buy a new car they see it as money she owes, not him. I then went on to say borrowing money from family should be a LAST resort, and if it is borrowed you should take extra caution to make sure it gets paid back when you say, and if not sit down and make arrangements with the person you borrow from. You better believe if it was up to me to make a payment monthly in someone elses name for my debt I would be making that payment 2 weeks before it was due to avoid any problems. If my mom was a bank his tires would have been taken away long ago. I explained to him that Trav and I have never borrowed a penny from anyone, and family would be the LAST place we would go for money. There are plenty of things in our home we could sell if we had to if something came up and we needed to come up with funds. Some people might say money ruins relationships, but it really is the lack of respect shown that does it. Trav and I both agree that what my sibling did is one of the worst things family could do. So I think I was getting through to him when he started talking about Vegas and not spending much money. I told him there is NO way to go to vegas without spending alot, and he has no business gambling $1 or even stepping foot into a casino when he owes money to family. I encouraged him to sit back and put himself in my moms shoes, and imagine lending someone money on your credit because they REALLY needed it, and over the next year see them buying things that you could never afford yet they still owe you money? He admited it would not feel good, and he would be angry. I then told him obviously he has credit available somewhere so if he does not have the cash he needed to transfer that balance from my moms credit to his, and if not he needed to sell his camera or plasma tv to pay it off. He agreed that he needed to do something. I think I opened his eyes, and I hope he is sincere in taking care of it. The lesson learned here is to NEVER loan cash you arent willing to just throw away, and NEVER lend money on your credit to ANYONE!!!! You may think lending to family would be ok, but sadly often times they are the first to poop on you! lol Funny way to put it but it is true. It is a shame the lack of respect and care for family I have seen in many situations in my life. Trust is something that is uber important in my life, and if you cant trust your family who can you trust. I have had my share of dealing with lending money and not getting it back, and it is not a good feeling. Needless to say I told my sibling no to babysitting because I had other plans, but would have not even if I had a free weekend. Normally I hate getting into the middle of stuff, but here I felt like I helped out or atleast I hope I did. I think many can learn from this situation, and I feel so bad for my mom. She is amazing and would do anything for her children, so it is so sad for me to see her have to deal with such a crappy situation. Well Bailey will be up soon, and although the weekend was not super eventful besides this drama I will try and blog tonight because I do have some cute pics to post. I have to get groceries done this morning and head to the fabric store. I have a goal of atleast 10 diapers to make this week. We have decided to open my own business afterall not so much for extra income but something fun for me to get into and be proud of. I will blog more later, it is pancake making time! :)
Posted by BaileysMommy at 5:52 AM 0 comments
Wednesday, February 4, 2009
When plans go out the window!
Posted by BaileysMommy at 6:49 AM 1 comments
Monday, February 2, 2009
Who knew the sound of a dryer going can be so peaceful....
Posted by BaileysMommy at 7:39 PM 0 comments
