Budget Checkup

It's January, time for a fresh start, a couple of weeks ago my husband and I sat down and reevaluated our budget. So far following the Dave Ramsey method for 1 year has allowed us to pay off my car loan, save for my travel, save to pay for car insurance in 1 payment instead of monthly, save for birthday and Christmas gifts so we don't have to go into debt at the holidays, save $1000 in a cash emergency fund, and now we are throwing huge sums of money at my remaining student loan and expect to be debt free by summer or sooner!!!

Did you feel like you came up short on money or even had to go into debt these holidays? Hate that feeling? Take a cue from Megan and I. We are using variations on a tried and true method - budget! Megan can weigh in on her process if she'd like, but here is what we are doing.

How much do you want to spend on gifts for each person on your list next holiday season? Add that up, divide by 12. This number is what you have to save each month in order to have enough for your gifts in December. Delightfully easy. This is the method we use for everything. Car insurance is due every 6 months so we divide the premium by 6 and that is how much we need to save each month.

There are lots of free tools online. We have been winning with Dave Ramsey, there are other schools of thought out there too. The bottom line is assign every dollar to something - food, gas, rent, mortgage, loan, travel, etc.etc.etc. I don't actually use the Dave Ramsey forms linked above, but use a basic spreadsheet. You should try a few of the options on for size to see what fits your math brain and budgeting needs best.

Family Fun Summer Adventures...

(There are a lot of photos in this post, but not as many as I think there should be. :) )
Where did the summer go?!  Wasn't yesterday Memorial Day?!  Labor Day is coming up in a few weeks?!  WTF hommies!

We have had a lot of family summer adventures this year.  Here is the litany of traveling, adventures and daily living we have done since Memorial Day and some photos to go along with each adventure.

Over Memorial Day weekend we traveled to Rapid City, South Dakota to celebrate our nephew Grayson's high school graduation.  It was a packed weekend.

Between Memorial Day and our next traveling adventure, we had Vacation Bible School, which was a blast, but a very busy week.  The Monday after VBS finished, we got on a 6am 1-stop flight to Boston to spend the week in New Hampshire visiting my sister and her family.  We stayed with my parents in a one bedroom condo in the White Mountain region of New Hampshire.  We were there from June 23rd-June 30th.  We traveled around the White Mountain region and took side day trips to the beach in Maine and Boston.  It was an awesome trip!!  It was hard to come back to Fairfield after that.

After we returned from New Hampshire, etc... we had two days to do laundry and repack to go spend the 4th of July with Jason's family at Fresno Reservoir.  I went up a day later because I wasn't up for going on Thursday.  I drove up on my own on the 4th and we left on the 5th because Jason had to be back to preach in church on Sunday.

After the 4th of July, we actually had a couple of weeks where we just hung out at home and got back into our normal routine.  July 17th-20th was Fairfield's annual town celebration, Swim Days.  It was a busy weekend but we didn't do any traveling, just stayed in town and participated in some of the activities that weekend.

The following weekend, July 25th and 26th we traveled to Bozeman, MT for a wedding Jason officiated over.  Bozeman is about 3-3.5 hrs away from Fairfield.  After the wedding on Saturday we had to head back so Jason could preach on Sunday.  It was a very quick trip and the wedding was lovely.

We had one day to do laundry and clean the house before my parental units and brother arrived for the week.  They were here from July 28th - August 4th.  While they were here, we went fishing in the mountains on the Sun River and also at Pishkun Reservoir.  We also drove down to a place called The Gates of the Mountains and traveled up the Missouri River on a tour boat.  During that time we celebrated Preston's 2nd Birthday too.  A lot happened that week, a lot!  Lucky for you, blogger isn't allowing me to post any more photos, because I would have posted a lot more.  Anyway....

My family left us on the 4th of August and the next day we headed up to Flathead Lutheran Bible Camp from August 5th-8th.  It was so much fun.  Now, here I wish I could post more pictures because I have the cutest picture of Preston with his friends Hannah and Harper.  Boo blogger...BOO!!!

Now we are home for a while.  I am traveling to Minnesota by myself on the train at the end of the month for 6 days.  It is the only time I will be able to get there for the rest of the year, so Jason and I made it happen.  My mother-in-law is staying with us during the week while she does her radiation treatments in Great Falls and she goes home on the weekends.  I have a lot of cleaning to do before she gets back on Monday.

I guess I answered my initial question, Where did the summer go?!  It flew by while we were traveling, adventuring and living daily life.  It went away in the blink of an eye, brilliantly away.