What's the very first step in getting out of debt?

What's the very first step in getting out of debt?

I remember the day (or night actually) I got fed up and decided it was time to get out of debt once and for all. I was heavily pregnant lying in bed reading a book and I felt Ryals kick. 

Maybe it was exhaustion, maybe it was emotion, maybe it was hormones but I started weeping. I realized that if we continued in our current financial state we would always be in debt.

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Nontoy gift ideas your kids will actually like

Nontoy gift ideas your kids will actually like

We've all been there. We pick out the perfect gift for our kids. We are giddy with their joy as they anxiously rip off the wrapping paper Christmas morning. We are overjoyed as they play with this prized toy they have asked for... and then two weeks later it's under the bed never to be played with again. 

Don't get me wrong. I actually like toys. I don't have a problem with them. I just pushed a pile of Legos away from my desk to write this post. But, I have also come to see the value in nontoy gifts as well. So today I wanted to share a few of my favorites as well as YOUR ideas from the Facebook page

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Less stress: More Joy. 10 tips for reducing holiday stress

 Less stress: More Joy. 10 tips for reducing holiday stress

Christmas is supposed to be a time of joy, family, faith and food. But it can so easily turn into a season of stress and anxiety. 

A couple weeks ago I asked my readers things they do to reduce holiday stress. Of course, you guys came up with GREAT tips. I am not surprised in the slightest because you are all wonderful. 

 

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Simplifying Christmas: 4 tips for keeping the holidays in control and stress free

Simplifying Christmas: 4 tips for keeping the holidays in control and stress free

I remember the day Christmas finally broke me. There were four places my family needed to be. We had play practice, this a local event, a parade, and a party. I felt like as soon as we got somewhere it was time to leave and then drive across town to the new event. By the time the day was over we were all cranky, exhausted and I was snapping at everyone. 

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