Showing posts with label Finances. Show all posts
Showing posts with label Finances. Show all posts

Wednesday, March 15, 2017

Just $100



“It’s just $100”'

A friend of mine shared with me that they spent well over $100 on taking all the kids to see a major new film at the movie theater a few weeks ago.

$100?! I wish you could see the look on my face?! 

They enjoy going to movies and work hard for their money and it is certainly their business and their prerogative with what they with their money, I would use that in many different ways simple because going to the movies is not something I really enjoy doing.

Let’s just for pretend sakes, say we put $100 in an interest bearing savings account at my local credit union (it pays 0.75% APY) and just for fun we add another $100 to the account every year. It would take nine years but eventually you’d have over $1,000! For me, that seems way more fun than lugging a bunch of little children to sit through a long movie in a theater! 
Image result for $100
Okay now take your same $100 and put it in that same savings account and let’s say instead of going out to eat or getting my nails done or whatever I can sacrifice, I put an extra $100 a month in that same account! It’d take ten years, but you’d have more than $12,500 in that account!

Put that $100 in an investment with a 7% rate of return, contribute $100 a month for ten years and you’ll wind up with more than $17, 000!

Live and enjoy life, but be sure you’re preparing for the future. It’ll be here quicker than you realize. It may be just $100, but through diligence and discipline you can turn that $100 into a great deal more while teaching your children the importance of steady plodding for investing in their futures.

"Steady plodding brings prosperity" Proverbs 21:5 (TLB)

Sunday, January 17, 2016

Top Blog Posts from 2015!


2015 was a great year for our family and our first full year here on our farm in Georgia. So many new things we’ve seen, done, experienced, tasted, learned. And much more to come in the years ahead. Thank y’all for being a part of it. I hope to spend a little more time in 2016 writing and posting articles for this blog. What do you want to see? More food recipes? DIY bath and body products? More photos? Personal articles? It’s tough for me to decide what to share, it’s my regular ol’ ordinary life – what in the world is of interest to the readers? I’d love to hear from you. Please share your comments on this article about what you’d like to see more of on the blog in ’16. Comment on the other articles as well so I know what’s interesting to you.

Since it’s inception in late 2013, this little blog has had more than 3,100 visitors! At least 800 just in 2015 alone. That’s crazy amazing and I thank y’all so much for stopping by! I hope you find something of interest on here. The majority of our website visitors are in the USA, however, we’ve had a great many guests from Russia, Malaysia, France, and Germany and a few from other places around the globe as well.

So without further adieu, below are your top five blog posts of 2015:


#5…Herb Beginnings posted April 6, 2015 – this was just a simple quick post showing a few pics of my herb seedlings. It makes me a little hungry and a lot ready for planting seeds! Though I’m not sure why it was so popular to be honest. It beat out Muscadine Jelly by one visitor! J Could be those awesome, recycled items I used for planters? Who knows.



#4…Summer at Ramsey Farms posted August 28
this article covered our busy summer season here at the farm updating you, our readers, on the late summer plantings, the muscadines jelly processing, the solar clothes dryer, a photo of some pretty roma tomatoes and a profound quote from yours truly about life and your perception of your own skill.



#3…My Favorite Biscuits posted March 11
this didn’t even contain the recipe! But I guess including the words “biscuits” and “Grammaw” in the post title was the trick to this post’s popularity. The third most visited post of 2015 shows some pics of delicious, homemade, mouth-watering biscuits and gives a prelude to our fave biscuit recipe. There is a link to that biscuit recipe that I added later. More people read this “teaser” than the actual recipe so go check out this #3 post here and be sure to follow the link at the end for the actual biscuit recipe! 

#2…The Top Posts of 2014 published on February 3, 2015 – Tons of people during the course of the year have read this summary of my 2014 blog posts! Go check out the links to those articles. I think 2014 was a good year for my blog, a lot of posts, pictures and more heart-felt personal writing. We had high-speed cable internet that worked 99.99% of the time and no data limits, I had more internet time for blogging in 2014 when we lived in the city! J I do hope to post more in 2016 and look forward to hearing your – the readers’ – feedback as to what you want to see more of on this site. There is even a link to the 2013 top articles! I love a good review!
And the top-read, most visited article on the Simple Life blog spot for 2015 was….

#1…Teamwork posted August 21 – I loved writing this article. It’s one of the few “in-depth / personal” works published on the blog in 2015. Teamwork is a top quality to achieve goals and dreams. Even loners have teams, so remember that next time you accomplish anything that there was probably someone else on your team. Are you a team player or do you hinder the attainment of objectives? This was one of my favorite writings that even summarizes some of our teamwork of buying a farm and moving to another state. This post reminds me that regardless of how we feel, we’re really never in it alone. This article has links to similar articles,  more of my favorites on the blog.

Since the blog has been around more than two full years now, I decided to also show you the top 3 blog posts of all time, just for fun! Be sure you check ‘em out if you didn’t when it was new or just to read them again. 

 #3…This Week at Ramsey Farms March 16, 2014 – I miss writing these weekly posts that outlined our days of digging through worms, cleaning up messes, making salsa, seed exchanges, homemade lotion, ranch dressing, ketchup, baking, cooking, eating, tilling, harvesting, and celebrating our daughter’s birthday and life!

#2…is a tie between two articles, Last Week at Ramsey Farms from May 2014 and Teamwork from August 2015. The Last Week article from 2014 was truly one of my favorite articles to write (and revisit to read from time to time). It was a stressful time in our lives as our NC home was on the market without any real interest and we had found the farm we wanted to purchase down in Georgia. We were stuck in a stressful time of waiting and I needed to help myself take a deep breath, slow it down, watch the sun set and intentionally set boundaries and time for reflection & rejuvenation. 

And our top visited, most read article of all time….

The Cold Frame! This was a continually updated, time-lapse photo album of the building, installation, planting, growing and eventual harvesting of our cold frame at the NC house. Photos show the progress of this planting project from January until July 2014. Then, we moved! There were blog updates every week and it is an awesome project. We loved our cold frame but have no plans to build one here in South Georgia, our growing season is longer than in the Piedmont of North Carolina.

Thanks for reading! Keep on reading and let us know what to post!

Make the most of the time you are given...laugh as much as you breathe and remember that only YOU have the power to make the changes you want in your life. 
~Ramsey


Check out the top posts of 2014 and 2013 here.

Friday, August 21, 2015

Teamwork

noun    team·work     \ˈtēm-ˌwərk\

The dictionary defines teamwork as, "work done by several associates with each doing a part but all to the efficiency of the whole.” Synonyms of teamwork include collaboration, cooperation and coordination. Dictionary.com defines teamwork as a "cooperative or coordinated effort on the part of a group of persons acting together as a team or in the interests of a common cause.

A team can be a group of colleagues working on a business project, a group of friends planning a party, business leaders brainstorming for a community event, church members planning the next year's budget and calendar, a family or couple devoted to achieving a common dream and shared goals. We are all a part of many cross-functional teams. 

Teamwork is one of the top three qualities needed to attain goals successfully. Every person has strengths and weaknesses that contribute to or hinder the team's success. I believe in order to turn dreams into goals into realities a person needs dedication, hard work, and teamwork. Other qualities and characteristics can be vital as well, but without these three core traits, most good ideas fail in execution.

I believe that God and the universe put people in our lives that are meant to be a part of our team - whether short or long term. There is no way I could have gained the knowledge and wisdom in finances that God gave me without some important people along the way. My dad for starters, my grandfather, Dale, Leanne, Leon, Steve, Chris, Crown Financial, Larry Burkett, Howard Dayton and God bless him, Dave Ramsey. Therefore, they, along with my financial adviser/broker and bankers are my financial team. 

Our family worked together has a team to conquer our debt, made personal sacrifices, and accepted and propelled our family financial goals. We - as a team - did the Crown Financial course and system and adopted Dave Ramsey's theories and strategies too. (They are the exact same steps and system just taught in different formats. Crown is biblical-based whereas Dave has the same foundation but just mentions God less.) I did not make it to Dave Ramsey's 6th baby step (destination 5 of the Crown Money Map 7-step journey) by myself. We did it as a unified team to reach shared results and goals. (And we're still doing it!) Together.

As a team, Chris and I and both children worked in and enjoyed the fruits of labor of the garden at our home in North Carolina. Chris and I have been talking about our farm in the country since before we married in 1999 and that dream got shelved in the hustle and bustle of early married life, bills, debt, kids, jobs. We even got sidetracked a time or two. However, we never forgot our dream and as we paid off the credit cards, consumer debts, and built savings and investment accounts, we knew that dream was so much more possible than ever before. As a collective unit, Chris and I listed all the attributes we wanted in a property and how much we wanted to pay for it.

As a team, we learned what we each needed to learn. Turning to real estate and mortgage experts, I learned all about land loans versus loans for city homes, construction loans and buying property. My regular bank, where we kept our checking and savings that had given us two mortgages in the past did not offer loans for homes with more than 3.5 acres. I needed to know if it was feasible and how to do it before I could begin the actual search.

During a year of search, we never found a property in our Charlotte, NC area or near my family in coastal Carolina. We searched all through North and South Carolina, Georgia, Florida, Alabama, and Mississippi, even as far west as Louisiana and Texas. We are Southerners and knew we would never go farther than that, besides who wants longer colder winters? With my writing job, I could live anywhere in the world. However, the southeastern United States has a 276-year hold on us that we just don't mind.

In April 2014, Chris and I along with our little boy took a quick trip to Georgia to see some properties. One was of particularly keen interest and the others met the majority of our desires. I felt it when I walked across the pasture at one of those Georgia properties that it was going to be our home. There were tears in my eyes, goosebumps on my arms, and a sense of home plus I could feel my own daddy's approval and joy in the nature of the place. I was careful not to show the sellers and real estate agent my emotions, but it was tough. We went back to NC that same day and the house in NC was on the market two days later on May 1.

We had so much to learn, do and see. Selling one house and finding another that met our requirements and moving without any day of homelessness. And the two houses not even being in the same state made it tough and sometimes it was so stressful I thought I'd just stop the whole process. 

Finally after an agonizing six weeks, my realtor Warren called. "You have an offer," he said so flatly I thought I had misheard. "Excuse me, what?" He repeated, "You've got an offer to buy your house." You know the house we tried to sell in 2008 and in 2011 and for nearly two years on the market never got one offer and suddenly you're telling me I've got an offer?! We were all shocked! It was 4% under asking price. I took it. (Let's not waste time; we got stuff to do today!)

The next morning, I emailed my realtor in Georgia with an offer to purchase a 15-acre parcel of land on the river that had creeks, woods, fields and pastures, a couple of outbuildings, a pool, and a three-bedroom home built in the 1990's. She must have been busy all day because she did not call me until later in the afternoon. We chatted and confirmed the details of the offer and she was going to contact the seller. 

She called me back in less than 15 minutes and simply said, "YOU GOT A DEAL!" when I answered the call. I nearly fell to my knees! I am sure I yelled aloud - loudly! I know I did some sort of crazy dance down the driveway and in the middle of the road because Chris's truck was coming around the corner! He gave me a weird what-have-you-been-drinking look and I hollered, "WE GOT A DEAL! WE GOT A DEAL! WE HAVE A DEEEEEEEEEEEAL!" I never wondered until now if the neighbors heard me or saw me. Oh well, I certainly did not care then or now.

That double-deal acceptance launched a stress-filled, anxious, tunnel-visioned six weeks. It was torture. It was stressful. I lost weight (that was great)! On top of our everyday life of work, kids, house, garden, bills, schools, you know - the norm, now I had a house-selling, house-buying, mortgage-applying, home-inspecting, packing whirlwind. Thank God for the team I surrounded myself for support and sanity. This included my realtors and mortgage broker, Chris and the kids, my mom and my sister, but also my friends Alysha, Katie, Stephanie, Thomas, and a few others who helped me focus, remain calm and prioritize. 

Thank heavens for teamwork! We never have to carry the load all by ourselves! Whether it is your team at work or your team that helps raise your kids (spouse, family, babysitters, nannies, teachers, doctors, nurses, etc.) or your sanity team or your let's-find-our-dream team or your family members. Sometimes you can play the role of cheerleader in a team, encouraging and lifting others up, keeping the momentum going and inspiring the labors of the team. 

Life is a team sport and it would be tough to do it alone. I personally know that while I am great at earning a living writing, I am not so great on physical labor or teaching kids. I delegate those tasks to someone else. Thank God Chris is a hard worker and can do strenuous labor. Moreover, he actually enjoys it. He is thankful that I can effectively manage our finances (with my money team), manage a business, research investments and create a cash flow for our dreams. He and the kids are grateful for my systematic approach to food shopping and preparing delicious foods and meals (from scratch. Daily.) I am so appreciative of my children for helping in the garden with planting and harvesting. There is no way we could get everything done in a day without my teenage daughter's help. She manages the dish washing process, bakes bread, makes tea, teaches and babysits and plays with her five-year-old brother, cleans, does laundry, makes dinner once a month, feeds the dogs, and so much more than I can list. 

Even Henry Thoreau, though he lived in solitaire, had a team. Somebody allowed him to live on their land, someone else had built the home he bought then rebuilt in another location, somebody sold him seeds and supplies, someone bought his garden produce. He could not have done it completely and utterly alone.

Here on our farm, we all work together to get the chores done. We all work together to achieve our goals and dreams. That's what it is all about: striving as a team to turn dreams into goals into realities. Think of the people on your team. Have you thanked them lately? 

This post ranked #1 in our most-read posts of 2015!

~

Wednesday, January 21, 2015

Simplifying Christmas & Staying Debt-Free

Simplifying Christmas and maintaining that debt-free progress? Yes, it can be done!

#1. Remember what Christmas is all about. Is about making sure you get everyone the perfect gift? Is it rushing around to every Christmas party, event, or program? Is it about spending money or eating too much or exhausting yourself? No! Christmas is the time of year to celebrate the birth of Jesus by sharing His love with those you love. That’s really it. Jesus didn’t say we had to lose our minds and our control, retailers told us that.

#2. Identify your family’s Christmas mission & set priorities. We discussed and got buy-in from our kids that we wanted Christmas to revolve around Jesus’ birth and life and our family. We emphasized that it is not about how many presents we get. Set your priorities as a family. Determine how many parties, events, and programs you will attend. Which ones are most important to you as a family? Life is busy enough as it is so set your boundaries. 

#3 Set your Christmas budget. This year was the first time we actually saved all year in preparation for Christmas gifts. You already have your own personal family financial budget, right? (I hope so otherwise you may find yourself in big trouble down the road! Please google “budgeting”, visit a reputable website like Dave Ramsey or Crown Financial, or ask me to get the tools you need to get your budget on track.) So in reviewing your budget, how much do you have left over to spend on Christmas? It is not worth going into debt for folks. Let me repeat, IT IS NOT WORTH GOING INTO DEBT FOR. Jesus would not want you to do that. Last year, we set an amount and divided that by 12 months and began putting that amount away each month so that we would have a specific, ear-marked fund to spend on Christmas gifts, decorations, and foods. We stuck to that budget. We know Christmas is going to come every year whether we are ready or not, don’t be surprised by holiday gift giving – be on top of it all year.

For Christmas decorations, ornaments, and wrapping paper stock up on that in the week following Christmas for 50 to 90% deals! We bought plain brown craft paper in a huge roll that was 10x more paper for the same price as one or two wimpy rolls of Christmas-themed wrapping paper. You can use this all year round and decorate it for Christmas, Valentine’s, birthdays, or other occasions.

#4 Make your list and check it twice. As part of our budget, we had to determine what amount would go to our kids, ourselves, family members, friends, neighbors, and others. Our list is rather small because our focus is not on gift giving but it is on our family. Our kids reap the majority of our Christmas budget and a couple of other close family members. It’d be great to buy shiny expensive gifts for everybody we know, but I’m sorry, I love you, but I’m not willing to go into debt or sacrifice my future for it.

We do plan time to bake cookies or other tasty treats to share with friends, neighbors, as hostess gifts, and for others in our lives. I think a gift you made with your own hands is one that comes straight from the heart, people generally love it, and it’s an expensive way to share the love (and stay in budget).

#5 Jesus was born in a barn and slept in a feeding trough. Period. That was the perfect Christmas. I’m not sure how, during the past 2014 years or so Santa, trees, decorations, excessive gifts, and losing our minds with a flurry of activity is what it seems to have evolved into the quest for the “perfect Christmas”. I am not opposed to Santa, Christmas trees and decorations, gifts, or parties and events, but I just say no to the over excessiveness of it all and the energy-zapping, endless running for the sake of what should be a sacred holiday.

This year we did have to buy a small, inexpensive artificial tree after many years of having a beautiful real North Carolina Frazier fir from Uncle Jimmy. The rest of our décor came from the woods – fresh pine boughs, cedar, evergreens, holly, and even some mistletoe decorated our mantle, living room, and dining room. We have been blessed with the inheritance and gift of so many wonderful Christmas ornaments which we use to decorate our tree along with ornaments the kids have made throughout the years. Two days after Christmas I ran into Walmart and bought several 100-bulb light strands for barely $1 each, so we’ll have more / improved tree lights in 2015! I refused to buy them beforehand!


For my part, except for the absence of my dearest family members, we had a perfect Christmas. We ate, we drank, we sang, we decorated, we baked, we danced, we gave gifts, we made cards, we gathered with friends and neighbors, and we celebrated the birthday of Jesus. Isn’t that what it’s all about?

Sunday, May 4, 2014

This Week at Ramsey Farms (Week Ended 5.4.14)

I don't care for these weeks that leave my mind in a blur. Where did the time go? What did we do with all that time? What day is today? This is supposed to be about slowing down, not getting lost in a blur and shuffle of time and tasks.

This week we...
  • recuperated from the 750-mile / 28-hour road trip to Georgia. 
  • celebrated the Ramsey Farms' recreational coordinator, Stephanie's birthday with food, fun, beer, and bocce!
  • relished that spring break is over.
  • enjoyed two days of rain.
  • worked at our "day jobs" and did the usual weekly routine of school and extracurricular activities and soccer games and dentist appointments and laundry and dishes and cleaning and church and breakfasts, lunches, and dinners.
  • got approved for a farm/land mortgage!
  • listed my house for sale!
  • had the first house showing!
  • got excited that someone is going to buy this house!
  • took house photos.
  • baked bread for home and the Ramsey Farms Bakery customers and added a couple new happy customers.
  • had a semi-surprise visit from my mom!
  • chatted with neighbors and visited with friends here on the farm. 
  • read some books and did a lot of writing and thinking and pondering the mysteries of the universe.
  • repainted the kitchen and dining room ceilings.
  • uploaded new pics to the Cold Frame page for you to see!
  • got worried that no one will ever buy this house.
  • can hear and see my dad in my mind saying, "You can't make everything happen when you want it to happen, Baby."
  • reseeded lettuces and radishes and ate and gave away lots of organic lettuce.
  • daydreamed about the Big Farm in Georgia.


Monday, December 2, 2013

You Can't Buy a Farm if You're In Debt

 This metamorphosis of my own life and our family's lifestyle began more than five years ago.  I am pretty certain the catalyst of all this change was when my dear daddy died in 2008.  It was in 2008 when I just up & quit my corporate public relations job, decided to look at money differently, and even remarried my ex-husband (yep, but that is a story for another day!)

Five years ago, my husband and I took the Crown Financial Ministries Bible Study / Class at our church.  It changed my life forever.  The primary gist of Crown is that debt is a sin, spending more than you earn is bad, saving & investing is critical, giving is good, and that financial freedom is actually possible!  We didn't know it at that time, but the journey to become debt-free with the ability to be more generous with our time and money would be key to being able to purchase a farm of our own one day soon.

It was difficult to see the light at the end of the tunnel in those early days.  I am nothing if not optimistic, systematic, and determined when I set my mind to do something.  After taking a good hard look at our financial picture, developing a solid plan of where each dollar will go, and a few other administrative housekeeping things - we saved our $1,000 emergency fund!!  We had never saved that much money in our lives and the feeling was incredible!  If we can do that - think of what else we can accomplish!! YAY!

Paying off the credit card debt was our next goal.  That did seem remotely possible, but likely to take a long time.  This past spring, I crossed that finish line and paid off the final card!  The next few months I spent socking away every extra penny, nickle, or dime I could find and grew my family's emergency fund to about six months living expenses.  The emergency fund is for true emergencies that you can't cover with cash - the fridge dies, the car blows up, unexpected medical bills, etc.  It gives me a peaceful feeling of security to have that in place.

Now the focus is on retirement funds, the children's college funds, and annihilating the small home equity loan I have.  I am so ready to knock that payment out and put the full force of this gazelle intensity to abolishing the home mortgage loan.  I hope to find "The Farm" and sell my current home within the next two to three years so that would eliminate the current mortgages and any profit from the sell would be a big help in the down payment on my big farm (wherever it is - I don't yet know).

If you want to change your financial life and forecast, you can.  It takes dedication of putting systems and programs into place to help you stay on track.  I'd be happy to help anyone who wants to figure out how to stop living paycheck to paycheck start on this road to financial freedom - just email me!  I think I may need to volunteer and facilitate a Dave Ramsey or Crown Financial class one of these days....