Keeping It Personal Radio

Trisha Funk, KIP Radio, Keeping it Personal Radio, Teri Johnson, Change Your Money Mindset

 

I was honored to be a guest of Teri Johnson on Keeping It Personal Radio. Who if you don’t know her you need to. She is one of the most inspiring women I know. You can find out more about here here: kipradio.com

We talked money. We talked organization and achieving big things. We talked about our heart for empowering youth to reach for great big things instead of feeling small. I hope you will jump over and listen

You can also grab the show in Itunes as well later this afternoon after the episode goes live. Be sure to subscribe to Keeping it Personal with Teri Johnson.

So if you have found yourself here from KIP radio Welcome! I am so excited you are here!

You can access the Change Your Money Mindset course here. Be sure to use KIPRADIO coupon code for $50 off.

And I’d love to know what brought you here and what you are interested in finding out more about! Leave a comment below or schedule your own FREE private consultation so we can discuss your individual questions. 

Teaching Kids Money Lessons You Never Learned – Part 2, Implementation

Me and Boys

 

So are you ready to walk your children (or some other child you care about) through this process of financial literacy? If you haven’t read part 1 of this series make sure you jump over here to do so. Just like in our own financial decisions (or any decisions in life for that matter that are contrary to what we ultimately want from life) it’s important to gain an understanding of the “why”. Part 1 will help you get the process started in understanding what your parenting style has been thus far and what things could have an influence on your teaching abilities.

So that being said let’s get into exactly step by step how I go about teaching kids money lessons most never learn. These truths are fundamental whether I am talking to a group of 6 year olds all the way through a group of high-schoolers so don’t feel like there is a specific age group that these are tailored for.

Help them to understand where money comes from in their life.

That means I allow kids the thought process of where exactly it comes from. Many will say from birthday’s or holiday’s. Some will say from an allowance. (We don’t do this with our kids.) And then most will say from working. Once you get in the work discussion it’s important to have them identify what sorts of work equates to a pay day. Obviously the age of the kids are going to vary this answer tremendously. Our 6 year old would answer, “by raking up leaves” while our 18 year old is going to give you, “by splitting wood or helping dad at one of his job sites”.

Helping them to understand that money doesn’t just come from one source allows them to begin to generate their own ideas of where additional money could be earned. One of my son’s wanted to sell some stuff in a garage sale while another wanted to go ask the neighbors if there was work that they needed done. But the point is in allowing them realizing that money can come from multiple sources.

Help them to identify other areas they could get money.

I have our kids write down in a notebook money making ideas they have, and when I’m doing a youth workshop I encourage them to do the same. 

The hope here is to create young adults and then older adults that have wrapped their minds around the fact that money can be found from multiple sources. These are important lessons they learn in their youth that they will apply throughout their future.

These kids, are kids that don’t solely rely on the bank of mom and dad. There was an instance just recently with my youngest two that is a testament to that. They wanted to select an item out of a book order for school. We had some other expenses that we had already committed to spending money on and so I told the boys that we weren’t going to be spending any money on those this month. We would talk about it next month when the new catalog came home.  Bailey’s reaction was immediate, “If we pick out a book and choose to use our own spending money on it is that OK?” I told him that was his choice. He and his brother both went to their rooms and pulled the money out of their wallets. Which leads me to the next step.

Allow them to understand what it means to live within their means.

That is…….. if you don’t have the money, you don’t spend it. Please re-read that in case you accidentally read, when they have ALMOST enough I will pay for the difference. This one action when you are trying to ingrain healthy intelligent financial behavior only teaches your children impatience. I don’t know about you buy my kids get that concept well enough without me having to reinforce it by my decisions.

And I realize that this is an area where many of us as parents fail because it falls into the, do as I say not as I do category. So stop it. Let them get the concept that if you don’t have the money you don’t have money to spend. Your first financial lessons should never be about using credit. That is finance 103. Neither one of you may be there yet but they certainly aren’t.

Help them to dream about things they would like to have or do.

Take note here I said “do” as well. It’s important for children to understand that money doesn’t just by things. It could be annual passes to a water or other amusement park, a musical instrument and lessons, or a trip to some community event.

This is also a notebook list that they can update when they see something or hear of something they would really like to do or have. Then, have them pick the top two. Even if it’s something relatively small your kids (even older kids) need a goal to work towards. They won’t grasp the concept of the power of money management if you are having your child save simply for the sake of saving. It has to translate to something real for them. (Adults by the way, are exactly the same and may be why you struggle to actually save money.) Helping your child set and then meet goals will have a positive influence on every single aspect of their lives.

Help them to set up a budget.

That means understanding what are normal everyday expenses. For little kids it may be a pack of gum or a dollar store toy once a week. Jr high age may be a weekly trip for smoothies and your high-schooler may be able to handle lunches (if they choose not to make one at home) and school function fees.

Once they have identified what amount that would be appropriate to spend on normal expenses they can incorporate funding their goals and giving or sharing. I have kids break out their “budget” into four categories but if you have a child that is very focused on just one goal then by all means let them focus a bigger portion of the pie on that.

Click Here to get the Exact Worksheet I use for my Youth Financial Worshops

Regardless of your financial background you can help your children develop money skills that will serve them for life. 

Have a great idea to share of how you taught your kids money lessons? Or a story of how you were taught to be financially wise? Leave it in the comments below. And if you liked this post then be sure to share it with your family and friends. 

Interested in having me teach a youth workshop for your organization? E-mail trish @ financeswithfunk (dot) com to get more information or tell me about your group. 

Teaching Kids Money Lessons You Never Learned – Part 1

042314_0308_TheBalancin1.jpg

Feel like you have a great relationship with your kids? You guys can talk about ANYTHING right? It’s amazing how little there is out there that seems to be a taboo subject anymore. 

Oh yeah, except money and politics……

Well it would seem at least in a social adult only setting where it is necessary to maintain a level of civility that doesn’t end in adults acting like overgrown four-year-olds when opinions differ that would be appropriate.

But if you are a parent and feel an obligation to discuss with your kids drugs, sex, and alcohol you better be willing to have a conversation with them about money. I am going to be sharing a two part series on why so many parents leave this one subject matter unspoken and then in part 2 I will give you the exact curriculum you need to master this money issue with your kids or any other kids you love.

So why are there so many parents out there that don’t teach mature money management to their kids? 

They don’t feel qualified for the job

Many of us don’t talk to our own kids about something we feel we don’t know anything about. There’s teachers for stuff like that right? Except there aren’t. Money management and financial literacy are NOT taught in our schools. If your school is doing a program for financial literacy then great but your school is in the minority. Many run programs through local credit unions that allow them to set up savings accounts and make deposits at school but still does little to actually educated students on what that means for their future and their life. Whether you feel like you are an expert or not, it’s up to you to take on the role.

So you were never taught how to do it growing up. It’s never too late to start. Buy a book and read it together.

Get a complete list of kid’s money books I personally recommend for FREE!

They don’t follow their own advise

We all know that children are watching everything we do. Many of us know that by telling our child to save their money and not buy something until they have saved for it will only work if we bother to NOT whip out the credit card every single time we want something or want to do something. If you find yourself not leading by example then it’s best to not say anything at all. Your inconsistencies will be perceived as white lies and will further erode your child’s perception of the importance of smart money management. 

Instead, make a point to make mature financial decisions especially in front of your child and admit sometimes when you are choosing to not spend money on one thing and why. (Example: “Daddy, I like that kayak too, can we get it?” Answer: “It would be a lot of fun to be able to use it on the lake this summer but we are choosing to save for a trip to the mountains. If we bought this we couldn’t take that trip. That might be a good idea to save for next year though.” Answer: “That would be a lot of fun but we have some medical bills that need to be paid for first and mommy needs new glasses.” 

They ignore money in their own life

Many adults out there have zero relationship with their own money. It comes in automatically and they mindlessly let it go out. Swipe after swipe of the ATM card and they get to the last week of the month and continue to wonder why they are facing overdraft fees and having to live on chicken soups. If you don’t give your hard earned money the attention it deserves it is never going to give back to you the life you desire from it. And your children are going to understand money the same way. You get it. You spend it. No further thoughts or actions needed. 

So start paying attention to it by setting up an account with Mint.com or grabbing my premium templates complete with video tutorials of how to use them to begin to track where exactly your money is going. Your children will witness you being mindful about your spending habits and follow suite. 

They were raised with a stigma about money themselves

I counsel many adults who lives in constant struggle with their finances because money was a four letter word in their house growing up. For some is was the constant means of bullying from one parent to another and even a tool used to manipulate the children. For others it was a source of status as they were taught they were nothing without it. And some were conditioned to understand that the only thing that was important about money was their ability to prove they didn’t need it. 

It’s important to take the time to understand where your money behavior and beliefs come from and if that is the same belief you want your child to grow up believing. Our past doesn’t have the option to dictate the decisions we make for our future. And regardless of where you came from, you can make a different choice today. Your parents may not have had a healthy relationship with money but that doesn’t mean you can’t. 

They are embarrassed to let their children see them fail

I think in every aspect of our lives one of the biggest detriments to our children is not allowing them to see us fail. How else can we emulate to them unconditional love, the fact of our own humanity, and imperfection? I want our kids to see us try and fail so they are comfortable in doing so themselves. Don’t feel like you can’t share poor mistakes you have made in the past with money. Example: We would like to go on vacation this summer but we made some irresponsible decisions that caused us to build up some debt. Before we spend money on other fun stuff we need to repay the money we owe. “

Now if you find way more truth in any of these reasons than you would have liked too, don’t fret. Just because you have allowed yourself off the education hook so far in life doesn’t mean you can’t change it now. Be sure to come back next week when I give you the detailed “How to financially educate your kids” with downloadable resources to help you with the process. Get on the e-mail list and I’ll send you a reminder when it goes live. 

Want to see a silly video from my youngest about money matters? It’s an old video but it still makes me laugh.  You can watch it here

Jump over to Part 2 now! 

The Balancing of Babies, Budgets, and Business – Embracing the Messy on the Road to Mastering Work Life Balance

work life balance

Me and my favorite Bailey Daniel in the whole wide world!

Whoever came up with the term “work life balance” obviously was never a working parent. ESPECIALLY one that was self employed!

Most entrepreneurs start their businesses with a burning desire to be the one in control. With your head down and life whizzing by you continue the grind to build the crystal clear vision you have. Progress isn’t an option because it’s just how you were wired. That’s why you know you can do it all. The balancing of Babies, Budgets, and Business doesn’t even seem like a question of if it’s just the way life works.

But what happens when you look up to realize you no longer feel in control of this business or this life. You remember all the reasons you wanted this: to be free to be present with your kids, to do something that actually mattered, and to make money too.

One day you look around to realize you actually feel controlled by your obligations and obligated to busy. And although it would seem busy should feel like progress it actually feels a lot more like stagnant, and you start to get that unsettling sense that you are doing nothing well.

I’ll share a truth with you that I have learned about that feeling; You’re most likely right.

But before you sail that boat right off the edge here are 4 tips that will help you maintain balance among the bedlam and embrace the messy that is scattered along the road to mastering.

Create room in the budget to allow for help.

As entrepreneurs, often the only thing we feel we have less of than time is money. One thing I have learned to do throughout my multiple businesses is to have a set amount that gets deposited into a sinking fund for “what if’s”. Sometimes it may build up for months without being touched and then gets emptied in an afternoon. This fund over the last 15 years has hired a cleaning lady for the office prior to a large event we were hosting when I didn’t feel like I would have the time to get it as clean as I would like it to be. It’s also hired tech help from Odesk to take care of a job it would have taken me hours to figure out. It’s also the fund that ordered the software that made one of my jobs tremendously easier and more flexible. It removes the thought process of, “Can I afford it?” or “Should I spend money on that?” Nothing else is getting neglected or robbed and while most of it I could have done myself or lived without I felt at the time the money was better spent elsewhere.

Create a schedule that allows for the unexpected.

As a parent there are times you are going to forget about the kid’s field trip. (At least if you’re a normal one.) I get unsettled when I feel that I have been completely neglecting my role as wife and mother and the spillover to my business efficiency is remarkable. Now when I wake up to my five year old asking if I am going with him to the planetarium today I glace at my schedule, send a few texts to move one or two things that can be, and drop a few things out altogether that didn’t need to be in there in the first place. And vice versa, when I have some major flow working on a current project I free myself from guilt about letting the kids go to after school care for an hour so I can multiply my progress.

Be willing to step away.

Have you ever been going in so many different directions that you feel like you aren’t making progress on any of them? One of the most important things I have learned in my life is that when I feel like I don’t have time for anything I need to step away from everything. It’s true that calmer minds do generally prevail. When I give myself the permission to take an afternoon, or (gasp) a day off I am renewed with a clearer mind on where I’m going and how I’m going to get there. Staying on the merry-go-round makes me a bad boss, a bad mother, and a bad businesswoman.

Accept that you’re the boss.

You run the show. So just because you originally set a specific deadline for your next project there are circumstances that may come up that require you to be more flexible. You would be doing your business a disservice to rush production and get something to market before it’s time. Be comfortable in your decisions as the boss to know when you need to alter your own time-frames.

I get that you’re harder on yourself than anyone else could possibly be but grace is a gift you must learn to give yourself and can be a major key to a successful business and life.

Now it’s your turn. What is one of your most difficult struggles in balancing it all? Leave yours in the comments below. 

Feel like you need a bit more mastering on this topic? Be sure to jump on the mailing list to be eligible to apply for a review copy of my new book by the same name “Babies, Budgets, and Business” upon pre-release early 2015. 

Money Lessons for Life…..Teaching Your Teen to Invest

The crucial money lessons every college student needs to know and how to teach it to them.

One of the families that I was working with recently had a daughter home that had just graduated from college. She was starting her new job after the first of the year and we were talking about her new location and her new job. She was so excited about the new area she was moving to.

We were talking about the fact that as soon as she finished her 90 day grace period she needed to start contributing at least the minimum matching contributions to her company 401k. Her new company matches 3%.

Her stress was that in the area that she was moving to she would barely have enough over rent and utilities to pay for basic necessities and she wouldn’t be able to start contributing right away. She didn’t feel like it really made a difference if she started right away and felt that there was no harm in waiting a few years.

We had a difference of opinions. We did straight math. She has the paperwork and has texted me to tell me she’s now enrolled. I love her.

So let’s talk about the money lessons I shared with her and those I want every 22 year old on the planet to know for life.

You won’t miss it near as much as you think you will.

To her, looking at her potential bills it seemed that 3% was a big sacrifice. To me and most of the rest of us 3% before taxes is not even noticeable. You’re right. It’s barely noticeable to the rest of us. But I was a 22 year old once too. And I know how things “feel” when you’re 22 “feels” different when your 32 and I’m sure different than when your 42.

So here’s how we took out the “feeling” and got to the fact:

3% is meaningless to you today.

Her contribution would be $810 a year. That “feels” like a lot. But by putting that money away off the top before taxes she is saving herself $121.50 in taxes. That means that net out of her paycheck will only be $13.24 a week. If she never increased that savings and continued her measly 3% contribution AND never got a raise and the company matched her $810 a year her 401k would be worth almost 2 million dollars.

Teach College Age Kids Investing

If she waits a few years until she’s 30 and starts doing the same thing she will have just over $700,000. Investment income off 2 million looks a lot different than investment income off of seven hundred thousand. Which means retirement looks a lot different at 2 million than it does at seven hundred thousand. I promise.

Teach College Students Investing

Ok so 3% is not completely meaningless. It means $13.24 less a week. That’s 1 lunch and possibly a coffee out a week. That’s meaningless. Except that it means $1,178,000 more money. That is in fact meaningful.

You must develop a saving habit and NEVER look back.

I love talking to my grandma. They started with absolutely nothing. And all of their lives together they funded one envelope first 100% of the time. You guessed it, Saving. Before food, before anything else, Saving. And that envelope just happens to be the one they went to when it was time to buy businesses and properties. You have to learn that saving is not a negotiable part of your financial life.

You MUST learn to live within your means no matter how small.

Sustainable seems to be the go-to word these days. I am pretty fond of it myself. There is something magical in learning that if you don’t have the money to buy something you can live without it or you can use something else instead. There is something empowering in cutting corners on some things in order to afford yourself others. There are a million and one ways to do almost everything. An open mind can put you light years ahead of every other 22 year old out there. Learning to live within your means is one of the most valuable lessons you will ever get in life.

Spending money doesn’t fix loneliness.

New cities and new jobs and new people can be lonely at times. Throwing money at the feeling won’t make it go away. It will create more sadness when you add the financial stress of overspending. What will make it go away is a new craft. Spending a weekend making all your own homemade cleaners and some extra food that can take you through the week will. Volunteering will. Starting a side business based around one of your hobbies or getting a side job to make an extra $13.24 a week will. Wandering through the mega retailer and picking up a basket full of junk you don’t need won’t. Walking through a local park and taking pictures will or hiking a nearby trail will. Know the difference and be able to recognize it in your own life.

You have a million and one options in life.

The sooner you grasp how much power you have in this world and in your life the better it is for every one of the rest of us that have to share this planet with you. Your future is limitless. So quit thinking small. Quit thinking $13.24 is a make or break situation for you. Learn to look past the hill in front of you in EVERYTHING you do in your life and you will live a limitless life. Sometimes 22 year olds get to a river and turn around. Always look for the shallow spot you can tiptoe across the rocks. You’ll be amazed in your life how many times you find a bridge you didn’t see before. Almost everything you come across in life has more depth to it than your first glance revealed.

Keep your head down. Be willing to work hard. Expect to and appreciate your freedom to make sacrifices in life and to quote one of my favorite authors: 

Oh the places you will go……Dr. Suess

So what about you? What is one piece of financial or life wisdom you would give your 22 year old self?

 

 

 


Don’t Miss my Guest Post: Raising Kids that are More Financially Savvy Than You

Be sure to check out my guest post today over on Creative Saving Blog:

Raising Kid’s More Financially Savvy than You

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And if you’re stopping by from Creative Saving Welcome! I hope you find something you enjoy.

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photo by: Matt McGee

Teaching Children How to Set Goals

Around these personal Finances With Funk parts we have been working with our kids to develop natural habits of goal setting.

How old is a good age to start goal setting? Our youngest is 4 ½ and while there are some things he needs a little help with in the process he really is getting the concept quite well.

We ushered this in at the beginning of 2012 when we set a family reading goal of reading aloud the entire The Chronicles of Narnia Series. When we set this first goal we allowed the kids to pick a reward if we finished it. This “prize” was our way to maintain motivation when the kids didn’t feel like sitting down to read. Just like for you in your quest to pay off debt you might have a “prize” in mind that keeps your head down and your resolve strengthened. But they’re kids. They need an idea a bit more tangible.

Then my oldest son and I sat down and did the math. How many chapters are in all 7 books combined? How many weeks do we have in the year? So how many chapters do we need to read every single week to reach our goal by the end of the year?

That’s exactly how I plan my goals. I want that to be automatic for my kids. What an amazing way to almost guarantee success in life to ingrain these sorts of behaviors. I want them to just do it without even realizing what they are doing.

We have fallen short a few weeks, and that’s great, because we didn’t just give up on the goal. We just tried a little harder the next week to get back on track.

As we have moved throughout this year, we have stopped religiously following the chore chart because so many of the activities that I was putting up every day they now do automatically. I don’t need to remind them to do their chores, they just do. So as we have weaned off of that system I needed a new one to implement. With all the kids in school now as well as other activities I decided that it was time for them to start being more actively involved in the process of making those activities run smoothly.

Enter our Weekly Goal board.

This (although a horrible picture and on a week that we had very little going on) is a dry erase board that I made with the dry erase contact paper and a foam backed poster board. Oh you want a tutorial? Ok unwrap dry erase contact paper and stick to poster board. I have two funky seams in mine. I’m not a perfectionist. You will I’m sure figure out a better way to deal with that. Then come back and post your tutorial here. (No I’m serious that would be great.)

Every week we put on it their new Awana’s verse, so when it’s time to study I can say, “Go read me your Awana’s verse”, instead of “go find your Awana’s book”.

Followed by, “What are you doing in there? I know it’s in your room so bring it here.”

Followed by, “Yes it is.”

Followed by, “Who’s Awana’s book is it again?” (Yes that is one of those sayings I swore I would never say to my kids.)

Then I write out the calendar and put important things on it that are going on and they make decisions on the rest of what their goals should be.

We review it every night as part of our bedtime routine. If they haven’t checked off set out clothes for the next day they know they need to get their stuff out. If it’s baseball practice tomorrow on the calendar they need to get their gloves, cleats, and clothes out and in their sports bag and hang it in the laundry room ready to walk out the door. It’s Wednesday? Ty know’s he needs to gather his library books and hang in the laundry room because they are due back at school on Thursday.

How does he know? It’s on the calendar. They are completely in control and responsible for their stuff.

This also allows them to see and help schedule a fun outing if time allows. Bay will say something like, “I really want to go for a bike ride this week Mommy.” We talk about the other things that need to happen that week and then we look at the calendar and schedule it if we can.

Does that mean I never have to tell my kids to do something? Of course not.

Idea’s to include on yours:

  • Calendar of week, with important things highlighted. Like due dates, sports practices, school tests, reading logs, family dinners or outings.
  • This week’s steps that need to be done in working on any long term goal.
  • A family goal or something they need parent assistance with.
  • Boxes that they can check off when they do their daily to do list activities.
  • Any Savings Goals that they have and their progress.

How do you plan on teaching your children how to set goals and work towards what they want in life? I’d love to hear your ideas and tricks?

Think this was useful? Share. Another thing you should be teaching your children…….It’s best to lead by example you know…..

 

Birthday Presents for Jesus – Idea 4

You can see the original inspiration for this series here.

One of my favorite non-profit organizations that was founded in my backyard is Project Night-Night.

From their website.

Our Mission – To provide Night Night Packages, free of charge, to homeless children from birth to pre-
teen who need our childhood essentials to feel secure, cozy, ready to learn, and
significant.  Each Night Night Package contains a new security blanket, an age-
appropriate children’s book, and a stuffed animal — all nestled inside of a new canvas tote
bag.  Project Night Night establishes a foundation for lasting change through the hands-
on volunteer opportunities that we provide to tens of thousands of individuals each year.

Besides being actively involved and integrated with hundreds of homeless shelters they also have shown up in a big way for victims of natural disasters.

A $20 donation will provide a child with a canvas tote, a new security blanket, and stuffed animal along with a new book that these children can call their very own.

This might be the perfect Birthday Present for Jesus if you have a child that is very attached to a blanket or specific stuffed animal. Talk to them about how special that blanket is and how you want another child that has nothing to have that same security.

 

Winner of Celebrating & Savoring a Simple Christmas

 

This afternoon I picked the winner of Crystal Paine’s new book Celebrating and Savoring a Simple Christmas.

Congratulations Jen – whitetoby@xxxxxxxx!

You will be receiving a separate e-mail from me on how to claim your prize.

Don’t fret if you didn’t win. You can still purchase it for $.99 (Today Only!) But don’t procrastinate because the price increases tomorrow.

Not quite sure? You can read an excerpt from my review below.


This year I look at this ending of one year and beginning of another with anticipation for the awesomeness that God has in store for us. I rest in the fact that I didn’t accomplish it all and am thankful for the reminder to be humble and for the grace that I don’t have to do it all. I praise God that he allowed me to accomplish some.

The world around me has lost so much. The world around me has hurt so much. My world. Love, Life, Security, Sanctity. Taken. From what has felt in the last year like from every direction.

This year. I will not allow consumerism and busyness to rob me from being awestruck by God’s gift of His son. I will not allow My Christ to be removed from Our Christmas. I will not allow obligations to rob from me experiences with my children. I will savor it.

Crystal from MoneySavingMom has captured this heart so perfectly with her new book. It’s all about not getting so wrapped up in the holiday that you don’t get to truly enjoy the season for what it is. It’s so easy to get overcome by the “spirit of the holiday”. Not just Celebrating…..BUT Savoring. That’s what I want to remember about my holiday this year.

Celebrating & Savoring a simple Christmas

I absolutely love her idea of a Bucket List for December! It’s definitely one I will be incorporating in our holiday.

And Bonus; If you buy the book Celebrating & Savoring a simple Christmas between now and Thursday November 15 it is only $.99. But Chapters 9 and 10 are worth their weight in gold as far as I’m concerned. I had an almost identical situation with my oldest son Bailey a few years ago as she describes in Chapter 10 and it changed my heart permanently.

So go get your copy by Thursday. It will be the best $1 you spend over the entire holiday.

Celebrating & Savoring a Simple Christmas

I can’t say I know for sure what has changed this year but I am acutely aware that things have in fact changed. The end of the year always was a time that was stressed over. Depression usually started to set in as I realized all of the goals I had for the year that I am no where close to accomplishing. Stress over what the new year was to bring. Feeling of disappointment with what I was not able to do over this last year.

Not so this year. This year I treasure every moment and refuse take what I have for granted for one second.

I rebuke disappointment.

This year I look at this ending of one year and beginning of another with anticipation for the awesomeness that God has in store for us. I rest in the fact that I didn’t accomplish it all and am thankful for the reminder to be humble and for the grace that I don’t have to do it all. I praise God that he allowed me to accomplish some.

The world around me has lost so much. The world around me has hurt so much. My world. Love, Life, Security, Sanctity. Taken. From what has felt in the last year like from every direction.

This year. I will not allow consumerism and busyness to rob me from being awestruck by God’s gift of His son. I will not allow My Christ to be removed from Our Christmas. I will not allow obligations to rob from me experiences with my children. I will savor it.

Crystal from MoneySavingMom has captured this heart so perfectly with her new book. It’s all about not getting so wrapped up in the holiday that you don’t get to truly enjoy the season for what it is. It’s so easy to get overcome by the “spirit of the holiday”. Not just Celebrating…..BUT Savoring. That’s what I want to remember about my holiday this year.



Celebrating & Savoring a simple Christmas

I absolutely love her idea of a Bucket List for December! It’s definitely one I will be incorporating in our holiday.

And Bonus; If you buy the book Celebrating & Savoring a simple Christmas between now and Thursday November 15 it is only $.99. But Chapters 9 and 10 are worth their weight in gold as far as I’m concerned. I had an almost identical situation with my oldest son Bailey a few years ago as she describes in Chapter 10 and it changed my heart permanently.

So go get your copy by Thursday. It will be the best $1 you spend over the entire holiday.