Thursday, December 11, 2014

How I have figured out how to control my money now will it work for you???


                How do we fully take control of our money? Well in my brain it is simple just get out of debt and don’t go back into it. Yes I know that it is easier said than done but in reality is it? What do so many people stay in debt? Why do people take out new debt? And why is there very few people who do something about it and get out of debt for good? These are a few questions that run across my mind when I think about this subject.

            So why do people stay in debt? I feel there are a lot of reasons for people to stay in debt but there are two that stand out to me. The first one is because they need to pay an emergency of some sort. They have what is called an emergency credit card. I feel that this is a good idea but at the end of the day you should just save up that same amount and then cut up the credit card and have a emergency fund instead. The second is they feel like their credit score would go done. They are right their credit score would go down but all a credit score shows is how much debt you can balance not how good you are with your money. Author Dave Ramsey says: He knows everyone wants a house and they think that their credit score has to be high. He goes on to say he has a credit score of 0points because he has no debt. He says if you have to get a loan for a house or a car go to a bank that has their own underwriting department. I just don’t think people are aware of how to live debt free. We have the mentality in our world today that you are not a grown up if you don’t have a credit card or car payment.  I know a lot of people make the excuse well I want a reliable car or I need an education so I need to go into debt for that. All those make perfect sense but know what you are getting yourself into. If you have to get what you call a reliable car by buying brand new and going into debt then make sure that you get just what you need so that you do not have such a high bills. With school just go into debt for what you need in your situation so that you do not have as much to pay back.

            The second question I had is why do people stay in debt? I think a lot of that answer has to do with the person’s circumstance. Sometimes it is because they have no money to get out of debt and other times it is they do not want to be patient about saving for things so they keep a credit card in case they find something that they want right then. I think most people just have not figured out a way to budget their money to stay out of debt.

            My last big question is why is there so few people that live debt free now? I really believe it is due so much to the, I want it now mentality. We as a people don’t want to wait until we have the cash for something we just want what we want now and we don’t care about how much extra in the end that we have to pay. I admit I have been sucked into the, I want it now mind set. But I have found that it has just gotten me into trouble.

            I believe there are so many reasons to go into debt but there is one big reason to get out and stay out of debt and that is PEACE. The peace that I feel knowing that when money comes in that I get to keep it and not have to make that next payment on a car or credit card. My money has become my money like it never was before. That is the peace that I want in my life.  If you would love to know more about the things I have been talking about then look at my research below.

Works Cited

Forbes.com : 5 steps to take back control over your money

By Erik Carter

Moneyning.com: 7 frugal habits everyone should develop

By anonymous

Dailyfinance.com: 3 ways to take control of your finances.

By Bruce Watson

Centracu.hodeed.com/classes/take control of your

By anonymous

Americasaves.org: Saving on a tight budget.

By Anonymous

The Total Money Makeover

By Dave Ramsey

Thursday, December 4, 2014

Our life...

      So I totally know it has been way too long since I last posted. We have just been so busy but I am working on from here on out being better about keeping everything up to date. Scout is still going to school for Heavy Diesel Mechanic he has 3 more semesters and then he will be done. He is loving it but he is so ready to be done with all the school and get to the job. Scout works for the IRS for about 6months and then he works for Lagoon for about 7months and then he dose not have work in November and December. that is another reason he is excited to be done with school because then he will have a year around job.
      I am still a stay at home mom and loving it. I have finally realized after I hate to say to many years that home is where I am suppose to be no matter what our income is. I love watching Cody grow and learn new things everyday. I love to spend time with him and just listen to him talk it is so funny and cute. I am really starting to enjoy being a stay at home mom. I have always enjoyed being a mom but it has been hard for me to get used to not working.
      Cody is growing so fast he just turned three and is doing awesome he is talking all the time and he is taller than most every child his age plus the ages of some older. He loves to just play the Disney infinity game with all of his characters.
        We are doing really well as a family and loving spending time together. We still live in Layton and will be here until Scout is done with school. We are in a perfect location and it is great to be near Scouts side of the family. Life is wonderful and Heavenly Father has blessed us so much I just love it.

Saturday, March 17, 2012

Life Update

I feel like it has been forever on updating my blog.  Update on everything going on,  Scout is going to school full time for Heavy Diesel Mechanic at the DATC and he is working at Domanos pizza part time. We are hoping he is going to be done the first part of next year and then we will figure where we want to live and so on.  Life is pretty crazy around our house with Scout not around a lot between work and school I take care of the day in and day out things around that house and our dear growing and now almost crawling little boy.   I had knee surgery on February 22 for my left knee again for the third time in less than 4 years.  I went in and they told me that they were going to to replace my ACL  well they got in there and found out that they could not replace it so they took the old one out and they packed the bone and they fixed my meniscus and then closed me up for 6 months.  I am going back in 6months to get a ACL put back in me.  I did find out that I am not able to job ever again which was really hard for me because I love my rely races.  But life goes on and changes everyday.  Life is awesome and I am so excited for the future. 

Monday, February 20, 2012

Facebook

I am no longer on Facebook. I was playing games and need to spend more time with my Wife and Cody. So if you need me for anything just email me at h_scout@live.com

Sunday, November 6, 2011

Cody's Baby Blessing

We had Cody's baby blessing on Saturday Nov. 5th it was awesome and we had so many family and friends there.  Cody was blessed by my Dad and was so happy to have my brother here from AZ also.  I am so grateful for all the blessings in my life. loving life...

Tuesday, September 27, 2011

Our little boy...




We are so happy to have little Cody with us.  Even with the lack of sleep it is still worth it.  We did have a scare this last weekend with a high fever and having to be in the hospital for 48hours. I was so afraid after waiting so long for my baby to come that Heavenly Father would call him back. I am so glad for the peace that came over me to be strong and know that everything was going to be okay. I am so glad for a husband that helps me in everything he is truly my rock.  I love him so much and can not imagine my life without him.    I can not tell you how grateful I am for knowing that Heavenly Father is looking out for us and that he will comfort us and bless us.  I am so thankful for all the prayers that went out for us and am grateful for such awesome friends and family. Life is wonderful....