Stevenson is a writer, artist, editor and graphic designer living in Northern California. Her visual art has been exhibited around California, and her writing has appeared in a variety of web sites and print publications.
We were living paycheck We dont live alone we are paycheck and only one major expense away from an absolute financial disaster. The worst part was we were too stupid to even realize how bad it had become because we were normal.
We would spend three hours researching the best flat screen television to buy, and about seven minutes a year to decide on our investment strategy for our pathetic retirement goals.
We were running on the treadmill, and every year the treadmill got faster and faster. Who could have seen this coming? That feeling of shame, embarrassment, and overall fear of the future caused something radical to happen. The next few months would be a defining point in our marriage, for our life, and for our legacy.
It started the day Andrea and I got on the same page with money together. One thing we agreed on with our money…we were tired of being broke.
The Budget I happened to be pretty good with Excel and decided to create our very own budget spreadsheet. Creating that first budget made both our stomachs ache because it was when we first realized where all of our money had been going. We were one of the main streams of income for Target and Home Depot, because we literally paid the salaries for one employee at each store we visited.
It was our fault. We were doing dumb together and now we could actually see it. If you think stepping on the scale for the first time in a decade is eye-opening, wait until you set up your first budget.
However, looking back the budget was, and still is, the number one reason how we became debt free, how we remained debt free, and how we are now able to build wealth. This was a huge deal for us because we were doing different things with our money.
Yeah, 9 of them. We got out a giant pair of black scissors, and cut all the cards into tiny little shards all over our kitchen table. I remember thinking to myself that we were actually going to do this. I mean, it would take way too long to glue everything back together, right?
This was a turning point for us because we were not only talking the talk, but those scissors were causing us to walk the walk.
Believe it or not, we now take vacations, rent cars, and buy stuff online…all with a debit card. However, Visa and MasterCard both offer zero liability to anyone who has fraudulent charges on both credit and debit cards.
Once we had a little cash saved up and no longer had the ability to go further into credit card debt, something happened that would change our lives forever. Here is the rest of our story: The debt snowball focuses on your behavior with money and ignores the interest rates.
We don’t live alone JB Priestly’s Play, An Inspector Calls, teaches us many lessons about society. By using the Inspector with the Birling family, he points out many moral issues with society. REPLY. I read thousands and ten-thousands of comments from people who are very sad to be alone yet none of them has been trying to contact the others to form a group and move to another town together and live in the same building or neighbourhood. As a Michael Jackson fan and researcher, one issue I hear debated quite frequently, and sometimes passionately, is why Michael lip synced so many of his performances during the HIStory tour and later.
Ignore the interest rates? I felt the exact same way, but then my wife reminded me: So we decided to set up the debt snowball by listing our debts from smallest to largest owed, ignoring interest rates, paying minimum on everything, and attacking the smallest one with pure aggression!
It looked something like this: It was two huge wins for us and we were feeling on fire. We wanted this debt gone ASAP, so we decided we were going to to take our lives down to bare bones. Ready to get out of debt?Because We Don't Sail Alone [Chick Bevier] on timberdesignmag.com *FREE* shipping on qualifying offers.
The stories and essays in Because We Don't Sail Alone address the Godly virtues and their attending vices. The fictional and pointed nature of the stories makes them ideal for prompting discussions with both children and adults. The book also presents a method of thinking taken from Meditations.
We are going to try everything and anything we can think of to make it fun and memorable. Just as a DJ responds to the energy and attitude at a Wedding in realtime and tries to choose the right song or activity to keep the fun and energy up, we try to do the same thing at a Mavs game.
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I’m in my 40s, married with two kids. We recently moved across the country and I feel so isolated here as it’s hard to meet people.
7 For none of us lives to himself alone, and none of us dies to himself alone. 8 If we live, we live to the Lord, and if we die, we die to the Lord. So whether we live or die, we belong to the Lord.. Most polluting industry.
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