Before y’all freak, I’m just kidding. Sort of.
This new man’s name is Dave Ramsey. Cute, isn’t he?
Not only has Dave become a part of my life, but of my family’s. A few years ago, hubby and I became very convicted about the way we were handling our finances and started making some big changes. Last fall we discovered Dave Ramsey and in December we started his Financial Peace University program. (I won a lifetime membership to FPU, but that’s another story).
The first thing you need to know is that hubby is self-employed. Two years ago we took a huge financial hit when the economy bottomed out. To say it hurt would be a gross understatement. We’ve spent the months since climbing out of that hole and making some changes in our view of money. In the meantime, I’ve developed some huge pet peeves. I should warn you that I might step on some toes and my post might get a little, um….critical, even sarcastic. With that in mind, read on.
Here are my new pet peeves:
#1. Don’t play the victim! Seriously. I know the economic crisis hurt, but if you (if we) had prepared better, it wouldn’t have been nearly as damaging as it was. We had nearly 10 years of marriage to prepare for a crisis by saving. We got what was coming to us when we got caught unprepared. Period.
#2. For crying out loud, don’t complain about being broke and beg for money (especially from churches) and then let me catch you treating your family to the Friday night buffet at the local fish house. Do you realize how many groceries you could buy with what it costs to treat a family of 6 to a buffet dinner? If you just have to eat out, at least get delivery or carry-out so we don’t have that awkward “I thought you said you were broke” moment.
#3. Please, PLEASE don’t call to tell me that you put my name down as a reference for Medicaid and Food Stamps after the situation stated in #2. If you don’t know me well enough to know that I’m going to tell the complete and honest truth if asked, then you don’t know me well enough to use as a reference.
I’m smiling as I type this. I really am. 🙂
Now that that’s off my chest, here are some of the changes that we’ve made.
*We’re not eating out. Period. Not that we ate out much before, but that $40 Sunday afternoon lunch can go a long way toward paying off the car (our only remaining debt. YAY!)! Disclaimer: You might see me at Sonic happy hour getting a Route 44 Diet Dr. Pepper, but I’m probably using pennies I dug out of our change jar.
*We’re selling everything and making the kids think they’re next. Serious. We want to be out of debt bad. We went through the house and made a list of everything we could possibly live without and that we could easily replace with cash later. I posted on Craigslist and all the money we’re earning from that is going into the car pre-payment fund.
*We got rid of Dish Network. Boy was this one painful. We’re not big tv watchers, but I enjoy the time after the kids go to bed when I can veg in front of the Food Network for an hour or so. I have to be honest with you, if the Cowboys had been having a decent season, I would have taken on a part-time job to keep the Dish up and running. But, a girl has to make sacrifices.
*We cut back our cell phone plan. Drastically! So, if you call before 9 p.m. or after 7 a.m. and I don’t answer, try emailing.
*I put Dave Ramsey quotes and Scriptures all over my house. My bathroom mirror says “Life’s too short to be normal”….. This is a good one to ponder when I’m staring at my own reflection. The quote on the inside of my fridge reads “Contentment may be the single most important financial principle”….. A great reminder when I’m craving Starbucks. Sidenote: Dave Ramsey, if you’re reading this, I want to be on your marketing team. You could TOTALLY sell window clings, stickers and magnets like this. You’re welcome. Please send my check to, Tiffany Aaron, 4240 Edg………
*I’m revamping my breakfast, lunch, and dinner menus. Every Saturday I print menus for all 3 meals and make a shopping list. Never, ever shop without a list! I’ve learned this the hard way. Set aside a good hour to dig through cookbooks, make menus and shopping lists, and hunt for coupons. Get the kids involved. Mine love to go through cookbooks and point out recipes that they’d like to try.
I recently discovered Once A Month Cooking and think it’s going to save a ton of money. For those of you that aren’t familiar with OAM cooking, the idea is to prepare a whole month’s worth of dinners in one day and put them all in the freezer until you’re ready to use them. It saves a lot of money and a ton of time. I have yet to prepare an entire month’s worth of dinner, but have been trying some of the recipes in my OAMC book. I’ll keep you posted on how that is going and share recipes as I find awesome ones.
Here is a recipe that I tried on the kiddos yesterday. It’s not a OAMC recipe, but from…..drum roll please…..Our Best Bites! Go figure, huh? The great thing about this recipe (or any homemade pancake recipe) is that you can cook up bunches of them and freeze your leftovers. They can be reheated in the microwave or toaster and taste just as good as the day they were made.
The only change I made to these was to add about 1 tsp. of cinnamon. ENJOY!
Whole Wheat Buttermilk Pancakes
adapted from Cooking Light
3/4 C whole wheat flour
3/4 C all-purpose flour
3 Tbs sugar
1 1/2 tsp baking powder
1 1/2 tsp baking soda
1/2 tsp salt
1 1/2 C low-fat buttermilk *
1 tsp vanilla extract
1 Tbs canola oil
1 large egg
1 large egg white
Cooking Spray or butter for pan
*As a substitute for 1 C buttermilk, place 1 Tbs lemon juice (or vinegar but I prefer lemon juice) in a 1 C measuring cup and then fill the remainder with milk. This recipe calls for 1 1/2 C buttermilk, so do the same thing with 1/2 Tbs lemon juice and remaining 1/2 C milk.
Combine flours, sugar, baking powder, baking soda, and salt in a mixing bowl and whisk together. In a separate bowl combine buttermilk, eggs, oil, and vanilla and whisk well. Add the wet ingredients into the dry and mix just until moistened and combined.
Heat a nonstick griddle or skillet to medium heat. Coat pan with non-stick spray or a little butter and then pour on pancake batter. Use about 1/4 C batter for large pancakes (5-6″) and 2 T for kid-sized ones (2 /2-3″). Wait until bubbles form and edges are set and then flip.
Makes 12 large or 24 small pancakes.