Dear Becca & Grant, Yesterday was Easter Sunday. We didn't go to church. I feel kinda bad about not going but we haven't gone to church in a coon's age and I always thought of those people who go to church just at Easter as Easter Christians and I didn't want to think of myself as just an Easter Christian. I'm probably worse because I didn't even take my family to church on Easter Sunday. It's been a long time since I felt at home in a church. I felt at home in the church I grew up in, Versailles Assembly of God which eventually became Kingsway Assembly of God when they moved to Kingsway Drive and then they became known as King's Way Assembly of God when they moved again to Versailles Road across from the castle. I even courted met and courted my first wife in that church. I also felt at home at Mortonsville Assembly of God when I went there with my family when I was a teenager. Since then I just haven't felt like I belong anywhere. We tried Kingsway but they have become too upscale fro my taste, we tried Mortonsville but the entire congregation was maybe ten to fifteen people and the average age was was probably sixty and we tried Woodford Community Christian Church but it just doesn't feel like home. I know it's probably an excuse because I love to sit up on Saturday night playing on the computer. I think in a few weeks we are going to go back to Woodford Community Christian. I know these kids need to be brought up in church just as I was.
Instead of church, after the kids saw their Easter baskets and had too much candy for the a.m. we all took a shower and headed out to Cracker Barrel. It was around 11:30 when we got and we decided to have breakfast. Both Mom and I got the Sunrise Sampler and Becca had an egg and a piece of Sausage. Becca ate Mom's grits, a biscuit and a good portion of my baked apples in addition to her food. She was one hungry little girl. Mom and I where hungry as well. It's the best breakfast I have had at Cracker Barrel in long time and I love Cracker Barrel. When I was a child I loved Cracker Barrel because I always associated it with going on vacation because that's just about the only time we ever went but now, while some of those old vacation associations still exist I mainly like it because they have wonderful grub. Grant even had a few bites of grits and a few bites of gravy. We all had us a country breakfast.
After we ate we went to Wal-Mart and purchased a head of lettuce, a few tomatoes on the vine and loads of junk. We kept within our budget though and I am real proud of that. Cracker Barrel wasn' tstrictly in the budget but I knew I would be off this week so I decided to use our overflow income for having fun while I'm off. By the way I'm on vacation this week.
Finally we went to Samaritan Hospital and up to the Cardinal Hill floor where Mom works. They had the Easter Bunny up there and they had a big Eater Egg Hunt. Becca ran right up and hugged the Easter Bunny. Grant & Becca also posed fro a picture with the Easter Bunny. After the picture Becca secretly informed me that she thought maybe the Easter Bunny was actually a human because she had human hands and not bunny feet. Becca is one smart cookie.
She may be one smart cookie but lately she has not been her golden child self. Part of it is my own fault and I readily admit to that. When Mom worked the doubles at Cardinal Hill it was just simpler to let Becca lie down with me in Mine and Mom's bed than to fight with her about going to sleep in her own room. She has become used to sleeping in our bed and it's now nearly impossible to get her to sleep in her own room and when we do we end up waking up with her between us. I also feel like she is going through a stage where she just does not want to sleep by herself. She will drift right off when I lay down with her but Saturday night it took her two and a half hours to go to sleep in her room. I was trying to clean up the house a little while I listened to the Financial Peace lesson that we missed a few weeks back on my iPod. I even ended up getting so frustrated that I took her television out of her room. That's when she really had a meltdown. She ended up waking Mom up and she was able to get her to go to sleep.
She's also taken to telling little fibs when she thinks she's going to get in trouble. The good thing about it is that she is a terrible liar. Maybe she just hasn't had much practice but she just can not lie to save her life. Becca's been doing real good with her potty training. We let her run around the house totally naked because we feel that if she doesn't have the security of a pull-up she will be more likely to go pee in the potty. Anyway, Saturday she was sitting on one of her many toy buckets in the living room watching television when I heard the unmistakable sound of someone urinating. I asked her if she peed and she looked back at me and told me thawasn'tt she didn't. I knew that she did. I told her to go dump the bucket. She told me there was nothing in the bucket. I got up and checked it out and sure enough there was some pee in her toy bucket. I asked her why she lied to me and she told me it was because she couldn't wait. I told her I was not asking her why she peed in the bucket but why she lied about it. She once again told me it was because she couldn't wait. I never got a straight answer out of her. Later that same day she brought some strawberry syrup into the living room and asked if she could have some strawberry milk. I told her that she could not have any just right now. She blew up like a big ole' bull and stomped back into the kitchen. I heard her throw the syrup bottle. She hollered out as soon as she heard me coming her way that something fell off of the counter. I got in there and I asked her to show me what dropped. She looked around and spotted a package of paper plates that I had knocked off the counter as I fixed breakfast that morning. She was busted again. I suppose all children eventually learn to lie but we must pound it into her head that she can not get away with lying and that there will be severe consequences for lying. She's a good girl and she'll do fine if Mom & I correctly do our jobs as parents.
Last Saturday Becca and I went to see the new movie out called
Horton Heres a Who based on the Dr. Seuss book by the same name. Becca really liked the movie but she was so tired. I thought she was going to nod off a couple of times but she stayed with me through the whole movie. I asked her if she liked the movie as we headed to the car and she told me that she did but she didn't like the fact that she dropped her popcorn. We stopped at Starbucks and got us a cocoa and a cappuccino for the ride home. Becca loved her cocoa and I hated my cappuccino. After she finished her drink she fell asleep. We went down to Mamaw & Papaw's to pick up Grant. Everyone was down at Uncle Rodney & Aunt Lynn's house. We went down there and Becca ended up playing with the boys until almost ten O'clock. Becca and I had a nice day.
Mom started her second shift job this past week. She has really busted her butt this past week. She's worked twentyone hours of overtime this past week and will be getting a fifty dollar bonus for all the overtime she has put in. Mom doesn't make any extra money on the hour when she works overtime usually. We're doing very good with our new budget. Things have come up that have knocked us off but I kind of knew they would so I planned accordingly. Still when I have to put out money I hadn't planned on spending and I have to steal from another category in the budget it hurts. Mom has a bad habit of spending money before we actually have it. We do have the money but she might buy gas or take Becca to eat and spend money in a category that won't be funded until our next paycheck. It's really no problem because there's always money in other categories to cover it but it just irks me. The other day she called me and wanted to know if she could get a burger even though she had no cash and I told her that if she didn't have the cash she couldn't spend any money on burgers because that's not how we do it anymore. I felt guilty because she hadn't planned on working a double so she didn't take enough food from the house with her so I called her back and told her to go ahead and get a burger. She would just have to be better prepared next time. She had left her debit card at home to avoid temptation. She had a paid off credit card with her and asked if she could use that and then pay it as soon as it showed up on the online statement and I told her that we would use the credit card under no circumstances at all. She took it quite well and agreed that I was right. Of course after we got off the phone she said she looked at one of her co-workers and told her that she was just about tired of Dave Ramsey. She's absolutely on board though. She's a good wife. To be fair she absolutely had to buy gas early because I hadn't budgeted enough to get us through the week. Like Dave Ramsey said, the budget will not work the first month. I've been riding with Papaw to work for so long that I really had no idea how much we would need for gasoline plus Mom started driving to work five days a week instead of two so that throws us off too. I got pretty close on the gasoline budget though. I budgeted fifty-five dollars a week when I actually think, or at least hope it's going to take sixty-five dollars a week. We had Easter that I really hadn't planned on, Alicia's twins had their first birthday and Mom felt like she needed to go out and spend too much on them, I had to pay taxes on the truck other small odds and big ends came up. As a result of figuring out that life can throw a budget off I have added another category to my budget called our non emergency fund. This money will be for things that pop up and isn't a big enough deal to dip into our regular emergency fund but still might need to be taken care of. Things like printer paper, ink cartridges, forgotten birthdays, minor holiday spending, replacing worn out laptop computer mice, and stuff like that that really doesn't have a home in our budget. Even Becca is getting into the act. I printed out a copy of our budget and ended up giving it to Becca to draw on the other side. She colored on it for awhile and said that she knew the perfect place for my budget. I thought she was going to put her art work on the fridge but when I went in there she had my budget displayed. I don't think Grant really cares one way or another. As long as he has the occasional fresh diaper and a bottle of formula he's just fine.
I am more at peace financially right now than I have been since Mom got her big settlement for when she was almost killed by a car as she rode her moped. Even then we were going through some pretty rough fallout from terrible decisions and poor money management so I am even more at peace now than then. I am more at peace right now than I have ever been in my adult life. SInce we left Powhatan Trail we have done okay financially. We've always had the money we needed and even some to blow, maybe too much to blow but we somehow never managed to come out ahead. I would look at the charts on Quicken and our spending was almost exactly equal to our income. We managed to save nothing. This budget has really opened my eyes to where our money was going and if we could manage to eat out twice a month instead of twice a week and quit spending so much money on spoiling out children we might be able to help them pay for most of their college educations. I have one concern though and that is the fact that by having my kids so late that they will be in college about the same time that I will be thinking about retirement. Where do I concentrate most of our savings. Right now we are paying $215 a month for preschool and when Becca gets out of preschool we are still going to put that money back so that Grant will already be funded for preschool when he gets ready to go and when we get him funded for preschool we are going to start putting that $215 into their college saving fund. Will that be enough? Can I manage to save 15 percent of my pay toward retirement and still make significant contributions to their college fund and if I can do that will we be able to save for things like cars and maybe the occasional toy? I plan on putting seven percent into my 401K because that's the maximum company match and eight percent into a Roth IRA. That's after we get our debts paid off which we really don't have that much of and put back 10 to 12 thousand dollars as an emergency fund.
I have opened up a savings account with ING DIrect online bank to keep my emergency fund and an ING Direct paperless checking account that pays a small amount of interest. I have thought about opening up a checking account with Charles Schwab online bank because their checking account pays as much interest as the ING savings account, you get actual paper checks for free and you can use any ATM machine anywhere and there is absolutely no charge at all. They even refund the money charged by the bank that owns the ATM. It sounds like that would be the way to go but ING Direct has such an easy to navigate system and moving money about is so easy and simple whereas with Charles Schwab it's a little more complicated to set up an account and I really don't understand how you would move money from our brick and mortar bank to Charles Schwab. I may get a Charles Schwab account and have my check deposited into that account and then I could simply write a check to the brick and mortar bank if I felt the need. I am going to have to research this some more. Charles Schwab is a name that I trust though so I am not afraid of getting ripped off. They are a real FDIC insured bank as is ING.
I have the checking account set up because I want to put our sinking funds in there. Things that one would normally buy on credit but instead we are going to save for them. I just think that having multiple accounts and spreading our money out would help keep us on track better. If we had this account for just this purpose and another for that purpose we would be less likely to use those monies for other things. Plus I have to pay $5.50 every month to Community Trust, our brick and mortar bank because we always fall below $500 during the month. I might see if I can find a no fee checking account somewhere. I think Community Trust has one. Maybe Mom & I will go over there and ask about it this week. After we change our direct deposits we would close out the account with the fee.
I know the past two or three paragraphs have been probably the most boring you have read to date but as I was writing it I realized I wasn't really addressing the dear reader but instead was thinking about these things by writing them. I am excited about our financial future and our future in general. It's just that I have concerns. Dave Ramsey talks about how if you save X amount of dollars from the time you are 20 you will have millions of dollars by the time you are 65. Well, I am not twenty years old and I am starting kind of late in the game and that kind of scares me. I have made some absolutely abysmal decisions regarding finances in my life and I'm afraid that maybe I've waited too long to really get on the ball. I would like to live in comfort in my retirement. Is that going to be possible or am I going to have to go back to Kroger after a 40 year absence? We'll see. I'm going to have to crunch some numbers and educate myself on how money and investing really works. I have always considered myself a marginally intelligent guy, actually I have sometimes boastfully considered myself an extremely intelligent guy but investing and finances has always been something I could not get a grasp on. I can fake my way through most conversations on most any topic at all buy when you start talking about mutual funds and the like my eyes kind of just glaze over and a little bit of spittle starts to drool out of the right side of my mouth. I am a financial idiot. I can't even spell it apparently because my spell checker just yelled at me.
well, kids it's time I hit the proverbial hay. I think we might make a day trip to Hazzard this week. Another budget buster there. Daddy loves Rebecca & Grant!