Frugal Crafty Home Blog Hop #129…

Nautical-Nursery-by-Blooming-HomesteadNautical Nursery

This week we got almost the whole nursery done! Jordan will be coming over tomorrow to help me add the finishing touches. So hopefully I will be able to share with you baby girl’s woodland themed nursery! Nothing new around here… Just trying to get last minute things done before our little girl arrives. I should have some posts up this week! A wonderful thing about 3 day weekends.

So happy to have you joining me and the other blog hop ladies: KristiCarrie, and Katie!

Blog Hop New

We now have 4 hosts! That means when you link up to 1 blog your link show up on all 4 blogs! More opportunity for you to be seen! Party opens at 8:00pm CST Sunday Evenings! Let’s get our party on! But first a few rules….

▪   Link up your crafts, frugal finds, recipes, DIY projects, clothing, happenings around the house, homemaking…. anything made by you!

▪   The posts can be new or old! But please don’t link up the same project each week. It will be deleted.

▪   Make sure you link to a direct post not just your blog home page. It makes it easier for people to find your post!

▪   Link back to us… Grab a button or just put a little link at the bottom of your post!

▪   Visit other blogs linking up to the hop! Feel free to spread the love and tell your friends about our blog hop.

[Read More...]

Frugal Crafty Home Blog Hop #128…

Raspberry-Lemon-Cookie-Cups_92301

 No Bake Raspberry Lemon Cookie Cups

This week a miracle happened and I actually posted something on the blog! Woo hoo! Life is starting to settle down a bit. After this weekend of craziness! We almost have baby girls room complete and I can’t wait to show you! But I’m off to bed since you know I’m getting huge and can’t sleep these days. But hey all the laundry was folded at 1 am today.

This week I shared…

Paying Off Debt..

 Paying Off Debt… The Beginning

So happy to have you joining me and the other blog hop ladies: KristiCarrie, and Katie!

Blog Hop New

We now have 4 hosts! That means when you link up to 1 blog your link show up on all 4 blogs! More opportunity for you to be seen! Party opens at 8:00pm CST Sunday Evenings! Let’s get our party on! But first a few rules….

▪   Link up your crafts, frugal finds, recipes, DIY projects, clothing, happenings around the house, homemaking…. anything made by you!

▪   The posts can be new or old! But please don’t link up the same project each week. It will be deleted.

▪   Make sure you link to a direct post not just your blog home page. It makes it easier for people to find your post!

▪   Link back to us… Grab a button or just put a little link at the bottom of your post!

▪   Visit other blogs linking up to the hop! Feel free to spread the love and tell your friends about our blog hop.

[Read More...]

Paying Off Debt… The Beginning…

Paying Off Debt..

Many times people get the idea that they want to pay off debt, but they have no idea where to start! Getting out of debt and saving some dough has been on my mind a lot lately. We are actually really lucky and don’t have much debt. We have my hubby’s car and our mortgage. But money can be a stressful thing. See the hubby is self-employed and his income changes month to month, but luckily he usually makes good money. I, on the other hand, have a two incomes: my stable income working at a local health department and my non-stable blog income and I will be going part time after the baby comes.

We are pretty good with our money, pay cash for most things, and try to save a lot since the hubby is self-employed. But of course right when we felt like we had a good amount of savings crazy things just had to happen. During our renovation we found out that all of our electrical needed to be replaced, making a $3000 job into about a $8000 job and then our taxes were due which ended up costing us double what we thought they were going to be. Luckily, the hubs has been good with our money and we had this in savings.. But this was basically all our savings. Not cool when you are about to have a baby in a few short months and go on unpaid maternity leave! 

Creating and sticking to an actual budget!

You’ve probably heard of Dave Ramsey. I started using his free budget took called Every Dollar. Every day I log on and track all of our income (which is varies a lot) and our spending. We have had a “budget” in the past, but it was more like rough guess and we didn’t track every single dollar. So now I plan to track all of our incoming and outgoing money. This has been wonderful for me. To be honest I’ve never even really looked at our bank accounts or our budget. I occasionally ask the hubs how much we have and we discuss big purchases. Otherwise my hands were out of it, thinking this created less stress for me. Yeah not really.

Creating a plan.

First up… Start saving ASAP. Pretty much whatever we don’t spend on necessities goes right into savings. We live decently frugal and have since we got married when I was in grad school and we both weren’t making very much. But within the last 6 months we have been a little more relaxed. So we are trying to get back on track.

Dave Ramsey’s recommended baby steps is to:

  1. Have a $1000 emergency
  2. Pay off debt smallest to largest(aka the debt snowball) as fast as possible
  3. Finish your emergency fund by saving 3-6 months of your expenses.

We have already saved our $1000 emergency fund, so our next step is to save 2-3 months of expenses, and then start really focusing on paying off our debt. Yes yes this is out of order… But that is because our variable income requires us to have a lot of savings (for taxes and such).

How we plan to do that? Living off just my hubby’s income and saving my full time (soon to be part-time) and blogging income, really watching our spending, selling some things, and sticking to the budget!

Next, pay off debt. Since we don’t have that much debt, my main goal is to pay off the car. I hate having a car payment and we really need to start saving for a new to us vehicle for me which we plan to purchase in 4-5 years. My hubby has been really good about paying between $75-100 extra on the payment each month, but I want to buckle down and pay this off in about a year or so.

Lastly, save the rest of the 3-6 months of expenses. Dave may not totally approve of our way of doing things since he says multiple times in his book that you have to do the baby steps the way they are outlined, but when you have upcoming medical expenses and you are going on unpaid leave the hubby and I felt it was wise to increase our savings first.

Stay tuned because I will give a debt update periodically!

Have you wanted to pay off debt? I would love to hear about it!

Tea-Towel-Gift-Set-Printable-Tag-from-www.thecasualcraftlete.com_-e1428182984723

Frugal Crafty Home Blog Hop #127

Tea Towel Gift Set Hey y'all! Hope all you mommas out there had a wonderful Mother's Day! This weekend we finally had a chance to breath. We got baby … [Read More...]

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Frugal Crafty Home Blog Hop #126

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Frugal Crafty Home Blog Hop #125

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Frugal Crafty Home Blog Hop #124

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Frugal Crafty Home Blog Hop #123

DIY Balsa Wood Planters Hey y'all! This week I shared absolutely nothing… Yep sorry. It was one of those crazy weeks where we had something every … [Read More...]

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Frugal Crafty Home Blog Hop #122

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Homemade Marshmallows Dipped in White Chocolate and Coconut

Spring is in the air and Easter is right around the corner. Who doesn't like to enjoy a sweet treat on Easter? How about a homemade one the kids will … [Read More...]

Frugal Crafty Home Blog Hop #121

Upcycled Glam Ice Bucket Hey friends! This has been another super busy week. Hubby has been hard at work renovating the back bedrooms. Two … [Read More...]

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Two of my favorite things in this world… Honey and butter. Yea you can't really go wrong with either one, especially when you put them together. It's … [Read More...]

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Fruga Crafty Home Blog Hop #120

Orange Sherbet Another week has flown by. Seriously, I don't know how Sunday comes so quickly. But that happens when life is crazy busy. Hope y'all … [Read More...]