Finance

So about a year ago now Patrick informed me that we were going to KC to see Dave Ramsey. I had no idea who or what he was talking about. I knew that Abbi and her Dad did this FPU thing for awhile but that was it.

On March 5th we Drove to KC with his Mom, Sister and her Boyfriend. I walked in knowing that he was about finance but basically clueless. I went and it all seemed to make since, and Dave seemed to be a nice funny guy that was easy to relate to. I couldn't believe his story about being a millionaire and loosing it all and somehow building it back up. I was sitting there going of course I want to save money and yes I want to be debt free.

I was debt free at that point, but I did know that Gabe was gonna have his surgery soon and I would have to swallow that hospital bill.

Ever since then I have been working on the 7 baby steps.

Baby Step 1
$1,000 to start an Emergency Fund

Baby Step 2
Pay off all debt using the Debt Snowball

Baby Step 3
3 to 6 months of expenses in savings

Baby Step 4
Invest 15% of household income into Roth IRAs and pre-tax retirement

Baby Step 5
College funding for children

Baby Step 6
Pay off home early

Baby Step 7
Build wealth and give!

So I started with Step one and while working on it gained Gabe's bill so I was then kinda working on Step 2 at the same time. Traditionally you do these in order but I didn't have much of a choice. I started listening to the pod casts on my phone which was always fun but only about one a week. I did find that you can listen to them on the Internet which is great motivation. I LOVE the Friday show where everyone calls in and talks about all the debt the paid off and does their debt free scream. I paid off Gabe's bill in January so once again I'M DEBT FREE!!!!!!!!!! I am now on Step 3. I just did my taxes and got back my refund WOOT so I have about 4 months but I want to have all 6 So I am working hard to get up there.

Patrick and I just started FPU (Financial Peace University). I am what Dave calls "Gazelle Intense" which basically means I am itching to kick some butt. We only go once a week and it seems like a really long time between Sundays. Not to mention I really want to start learning about the steps that are ahead of me because I just don't know enough about them.

I am excited about the journey that I am on and thought I would share :)

Gabe update.

Gabe counts to 13 really well and sometimes to 20 with a little bit of encouraging.

His new favorite toy is puzzles. He loves them, even if it is the same one over and over again which oh by the way drives me nuts. Thank god we got 6 new ones for his bday so we can alternate and not drive mommy mad. Oh and if you put down a piece on his puzzle he will pick it up and put it back down so that he did it.

some of the things i here from him most are:
"You're the best EVER"
"I love you more"
"You're a sweet girl"- I always tell him that hes a sweet boy.
oh and we talk about peoples names so that heaven forbid something happen he could tell them who he is with.
"Mommy name is Brittney"
"Daddy name is Sean"
"Mama name is Rhonda"
"Papa name is Ron"
its really funny because he asks me what Patrick, Shawn & Wesson's names are actually expecting them to be different, lol. He always goes Ooh when i tell him Patrick's name is Patrick.

I swear he is a little OCD everything has to be done perfect. Mommy puts on his left boot and he does the right one. If anybody else takes him out of his car seat all hell is gonna break loose. I have been trying to get him to understand that it is ok if Patrick helps get him out or get him a fork or anything. he's just a little partial but I am attempting to explain that it is ok so we can break him of this screaming thing.

Gabe's Papa (my dad) made Gabe a playroom at his house under the stairs. Gabe LOVES it. It takes a lot of convincing some days to get him to come back up stairs with us.

The walls are painted with magnetic and chalkboard paint. It's really cool.

My dad made him a couch too. 

Gabe's Birthday!

MY BABY BOY IS 3 YEARS OLD!!!!!!!!!!!!!!!!!!!!!

I really cant believe how big my boy has gotten just in the last year. He amazes me on a daily basis.

On Saturday we had a little party for him at Burger King. He and the rest of the kids had a great time at the play place. Here are a few pics

On Sunday we went to Cairo with the Rutherfords for the February Birthdays. He love's all of his presents but I would have to say the chair Grandma got him was his favorite. (I think it is adorable that he calls Patrick's mom Grandma already). Here are some Pictures.

We are having one more party for him this coming Saturday at my parents for all of the Bias' and Kite's. He is so spoiled.

I love you little man. You are the best ever :D

Kit's Bday

So Yesterday Gabe and I took a drive to Monroe City to go to Kit's 2nd Bday. I posted Pics on Face book but here is a video of the Boys attacking Kirsten with the Balloons.

Videos

Well Facebook has been giving me trouble uploading videos so I thought I would put them on here.

First a Video of Gabe and Wesson.

 

Did you like the Mommy Chant I did :D

Sickness and other happenings

Well Gabe is sick ugg he has a sinus infection which is connected to his double ear infection thing. My poor baby he has goop in his eyes and wakes up coughing cause his croup decided to have a flare up all at the same time luckily his 10 day medicine should be done in time for his bday.

Speaking of his Birthday MY LITTLE BOY IS GOING TO BE 3 IN JUST 10 DAYS!!!!!!!!! It is completely crazy. I really can't believe he is so big.

On a separate note my Boss got my tax return done. Woot! Now it's just a waiting game to see how long it takes to show up in my bank account. Fully funded emergency fund here I come :)

FPU starts on Sunday and I am really excited I can already tell you that I am the NERD in our relationship and I'm gonna be hard core. I'm reading his books when I have time. Patrick doesn't realize what he is getting himself into. Bring it on.