Boys

Friday night we babysat Wellyn and Everett and we had tons of fun of course. These boys are so stinkin’ darling and Wellyn says the funniest things. We painted pumpkins and I was distracted so I didn’t get many pics but it was fun.

 

Everett looks a little traumatized but I think it’s because I was in the middle of feeding him and he was just trying to figure out why I would stop to take a picture! We watched How to Train Your Dragon after and it was so cute! It is exhausting taking care of two little ones, but it’s so fun and I can’t wait to have a family of my own some day! I got to cuddle with Wellyn in bed and read some stories and then get all the “scaries” out of his room. It was great.

When I got home from work on Wednesday, I sprinted upstairs to change in to my sweats (as usual). Dan awkwardly followed me and was standing in the hallway outside the bedroom just staring at the window. I had no idea why he would leave the TV just while I changed, but then I went into our bathroom and he had painted it! ALL OF IT! I was in shock and so so so happy! He painted our whole master bathroom in just a few hours just to surprise me because it has been driving me bananas!

Our bathroom is awesome and I love the double sicks and big tub, but the colors were AWFUL. You can’t tell in these pics, but whoever painted it, did the worst job, didn’t sand or putty and didn’t even do the trim so the paint stopped 1 inch from the ceiling! What the….

One and a half walls were a nasty red color, and the area by the tub was greenish and the rest of it was white! Are you kidding me?! But Dan painted it the same light gray we used in our bedroom and it looks amazing now!

I will post some after pics soon…I haven’t done anything and we still need to do some touch ups, but at least it’s painted and now I can work on finishing up the master bedroom and working on the master bathroom! Why did I get such an awesome husband? Lucky me….

This afternoon we leave for this place…

Dan is running in the Ragnar Las Vegas race with a bunch of his family members. I decided to sit this out but I’m still signed up to run the Wasatch Back next year! So I plan on doing some relaxing by the pool, some shopping and of course supporting the team in the race!

Some things

As I have mentioned before, I really love to read. I have more time to read than when I was in college, but since starting a new job, I’ve been busier and don’t have as much time to read (unless I want to give up sleep…ya right). But I am still reading and loving it. I just finished, The Life of Pi by Yann Martel and I really loved it. I would highly recommend it. It was a little slow at the beginning but a great story and really well written.

I can’t remember if I posted about these, but I have also recently read These is my Words by Nancy E. Turner and it was awesome. Such a beautiful story and I absolutely couldn’t put it down when I was reading it at the cabin in Island Park this summer!

 

A Thousand Splendid Suns was another great book, but very sad so be prepared. It made me so grateful for all that I have and take for granted. It was a wonderful and inspiring story but very hard to read.

Coming up…I’m reading Rainwater by Sandra Brown. I don’t even know why this was on my list, but I’m going to start it tonight! Let me know if you’ve read it and like it!

Also on my upcoming list: The Book Thief. This is based on a recommendation by my visiting teacher who loves to read and I had already heard of it so I just need to pick it up from being on hold at the library!

  

Now I realize I’m way out of the loop on this, but I’m going to read The Hunger Games at some point too. I didn’t want to wait for them at the library or buy them, so I’ll borrow them from my parents :). Sometimes I tend to be put off reading a book that becomes “all the rage”. I have read the Twilight books and many other popular books, but I still haven’t read most of Harry Potter and some others. I know they’re great and I love to read everything, but for some reason, I usually end up reading them years after they were popular…

Also on my list to read is Dave Ramsey’s Total Money Makeover. I started listening to Mr. Ramsey while at work and I LOVE him. Seriously, he is all about saving money, being debt free and saving.

Luckily Dan and I have been really good with our money and I’m grateful for his cheapness frugality because we have been able to buy a house and save for things we want! I’ve always been OCD about budgets and keeping track of every little thing, but Dave Ramsey has given us some tools and information to help us save even more money and be smart for our future. I don’t want to have to worry about debt or paying for school or emergencies or even retirement so following his advice has been great.

I have been blessed to have a good job that allows us to pay our bills but what I’ve learned is that it doesn’t matter if you make $10,000 a year or $10 million a year, everyone needs to stick to a budget and save and pay off debt. Dave believes that you should pay cash for everything (except a house) and that no matter what, credit cards are evil :).

I love Dave’s 7 baby steps and I think that if you follow them, it will make a big difference in your finances and life in general. You can listen to Dave’s archived radio show at daveramsey.com.

A few changes we have made have been to open a PerkStreet debit card. I did a lot of research and this card is pretty awesome as far as benefits go. It pays 5% back for the first month, and 2% back after that (if you have at least $5,000 balance and 1% if you don’t). So if your monthly expenses are $5,000, and you use this card to pay for all that, you will get $250 back the first month and $100 back after that! You can get the “cash back” in the form of itunes, gift cards (Target, Amazon, etc..), or just as a Visa gift card which is the same as cash! I think it’s pretty amazing so we signed right up. There are no fees and you can easily transfer money to and from other bank accounts. Check it out here.

We also re-vamped our budget a little to pay off our car earlier and save more money to pay for Dan’s schooling. October is our “trial” month to see how our budget goes, but we are doing well so far and I think we’re pretty close with our predictions for expenses.

   

Another thing we did was refinance our house. This wasn’t really because of Dave Ramsey, but our neighbors had mentioned it and when they told me the rate they were getting, I called our broker and it turns out we can do a “streamlined refinance” because we have an FHA loan. This means we don’t have to pay ANY closing costs or fees and if the rate change can save us 5% or more per month, we can do it! The only downfall is our loan goes back to 30 years, but we have only had our house for 10 months so it’s really not a big deal especially when we don’t plan on living here forever. So we are saving some money that way too which is awesome! Check into it if you have an FHA loan and a rate above 5%. I was really surprised and super excited!

Hopefully I haven’t bored you too much, but if you skipped past all that, and didn’t read it, that’s fine too :)

**Update: I forgot to mention one other thing we are doing that I heard on Dave Ramsey. We met with a CPA last night (for free! first consultation is free…sweet!) and he helped us figure out how to fix our W2 form so that we get more money in our paychecks and avoid getting a huge tax return. This may not make sense to some people who look forward to that big chunk of cash, but I see no reason to give the government and interest free loan with my money! And I would rather get bigger paychecks throughout the year and save that way than get one big check in the Spring. Look into it if you’re interested!**