Month: December 2010

Frugal Friday – Our 2nd Cash Only Christmas

There are many things that I love about the Christmas season. I love the meaning, traditions, decorations, time with family, time with Jesus, singing carols, the movies, and the giving and receiving of gifts. I do not love holiday stress, busyness, and money worries. Last year was our first year on the Dave Ramsey plan, and we were newly debt free. We budgeted for Christmas presents and used only cash and debit and it was so freeing. We loved it so much that we did it again this year.

We budget how much we want to spend on each other, our families, charity, and our friends, and then we pull the cash out each month and keep it in our gift envelope. Christmas comes every year and is not an emergency, so we want to make sure we are prepared so that we can be generous with our gifts. We pull out gift money through out the year to cover wedding and birthday gifts, and starting in September we add to the amount significantly to cover our Christmas gifts. Because we pull out money in September, October, and November, we didn’t have to take out much in December at all. We take our budgeted amount out of the envelope and use it to buy the gifts. If we buy something online with the debit card, we put that amount back into the bank. It feels so good to have the money to buy each other and our loved ones gifts without any stress.
We don’t have to worry about the credit card bill showing up in January reminding us of our mistakes. We have no money stress about Christmas. We remember the weight of credit card debt and never want to feel it again. Many of our friends and family have asked us why we would want to miss out on the airlines miles or rewards that come with many credit cards. We’ve heard from lots of people that they use credit cards because of those rewards. To us they just aren’t worth it. Credit card companies offer rewards so that folks will spend more, and studies show that is exactly what’s happening. We are completely convinced that no one beats the credit card companies. They always win. They make so much money off of the debt people incur to get some miles that I would rather not help them. Many friends claim to pay their bills off every month, and while I want to believe them, statistics show that it can’t be true all the time. You get behind one month or are late with one payment, and you’ve lost all the reward money you earned. We’ll pass on that. We have too tragic a history with credit cards and both of us have made HUGE mistakes in the past. Kudos to you if you can beat the system, but it isn’t for us. What’s in our wallet? Cash, baby.
Here’s some great info from Time magazine online on credit cards and their reward systems:

On the surface, it would seem like credit card issuers are foolishly giving away money with cash-reward cards, and that a cardholder getting 1% or 2% back is reaping in easy money. The reality is much different. Simply put, the study says:
The main objective of the card companies is to increase card spending that may result in cardholder’s debt in the future.
And based on the figures, the card companies achieve wild success in this objective. More spending. More debt. But hey, you get those occasional $50 cash-back checks in the mail! At least, that is, if you remember to keep track of your rewards and order the check—because these programs typically don’t give you cash back automatically.


For the consumer, getting cash back is of course better than getting nothing—but only if you don’t increase your overall spending due to the perverse incentives inherent in cash-back cards. Spending a dollar to get a penny back doesn’t make sense.
But what if you were spending the dollar anyway? Then it seems silly to not get the penny-per-dollar reward. The problem is that it’s all too easy for consumers to justify extra spending with credit cards. Studies show that you’re likely to spend 12% to 18% more with a card compared to cash. And when you’re vaguely aware that every item you pick up shopping gives you a little more cash back, well, then you’re even more likely to place more stuff in your shopping cart.


Read more: http://money.blogs.time.com/2010/12/29/the-reward-for-cash-reward-credit-cards-higher-bills-more-debt/#ixzz19di5oNSR


How do you budget for Christmas?

O Little Town of Bethlehem

O little town of Bethlehem
How still we see thee lie
Above thy deep and dreamless sleep
The silent stars go by
Yet in thy dark streets shineth
The everlasting Light
The hopes and fears of all the years
Are met in thee tonight

For Christ is born of Mary
And gathered all above
While mortals sleep, the angels keep
Their watch of wondering love
O morning stars together
Proclaim the holy birth
And praises sing to God the King
And Peace to men on earth

How silently, how silently
The wondrous gift is given!
So God imparts to human hearts
The blessings of His heaven.
No ear may his His coming,
But in this world of sin,
Where meek souls will receive him still,
The dear Christ enters in.

O holy Child of Bethlehem
Descend to us, we pray
Cast out our sin and enter in
Be born to us today
We hear the Christmas angels
The great glad tidings tell
O come to us, abide with us
Our Lord Emmanuel


This song has always connected with my soul. The line about the hopes and fears of all the years makes me ponder all the hopes and fears of my life. In what or whom do I place my trust? I think about what must have been happening in that little town the night Jesus was born, and in the days following. It must have been filled with people too busy to notice that the Messiah they had been waiting for had finally arrived. My prayer for myself and for my family is that we are not too busy to notice the Messiah this Christmas. I pray that we look to Him for life and hope and peace and joy.

O Come Emmanuel

O come, O come, Emmanuel
And ransom captive Israel
That mourns in lonely exile here
Until the Son of God appear
Rejoice! Rejoice! Emmanuel
Shall come to thee, O Israel.

O come, Thou Rod of Jesse, free
Thine own from Satan’s tyranny
From depths of Hell Thy people save
And give them victory o’er the grave
Rejoice! Rejoice! Emmanuel
Shall come to thee, O Israel.

O come, Thou Day-Spring, come and cheer
Our spirits by Thine advent here
Disperse the gloomy clouds of night
And death’s dark shadows put to flight.
Rejoice! Rejoice! Emmanuel
Shall come to thee, O Israel.

O come, Thou Key of David, come,
And open wide our heavenly home;
Make safe the way that leads on high,
And close the path to misery.
Rejoice! Rejoice! Emmanuel
Shall come to thee, O Israel.

O come, O come, Thou Lord of might,
Who to Thy tribes, on Sinai’s height,
In ancient times did’st give the Law,
In cloud, and majesty and awe.
Rejoice! Rejoice! Emmanuel
Shall come to thee, O Israel.


This is one of my favorite carols. I love the meaning behind the words, and the haunting tune of the song. I love that we can rejoice because Emmanuel – God with us, came to ransom us from our captivity to sin.

What is your favorite Christmas carol?

My Favorite Holiday Recipe – Our Family’s Cornbread Dressing


In my family, our favorite holiday recipe is my great grandmother’s cornbread dressing. It is complicated and delicious and the best thing ever. We usually have it at both Thanksgiving and Christmas, and have to make 2 skillets full to keep us happy. Try it with turkey and gravy or all by itself. It only tastes right if cooked in an iron skillet.

Here’s what it looks like before it goes in the oven.

Ingredients:
6 cups (1 pan) cornbread crumbled
2 cups bread crumbs (2 pieces of wheat bread)
1 cup chopped celery
1 cup finely chopped onions
1 tsp poultry seasoning
1/2 tsp sage
course ground pepper to taste
1 stick butter (Paula Deen would be happy.)
4 cups rich chicken or turkey broth
4 eggs, beaten

Preheat your oven to 375. We do all the chopping and crumbling in a food processor. Saute the onions and celery in the stick of butter in the iron skillet for about 2 minutes. Mix all the dry ingredients, then add the broth. At this point, check for proper seasoning and adjust as needed. Add the eggs and veggies and mix well. Bake in your oiled heavy iron skillet for 30-45 minutes. This recipe should serve 12.
This stuff is seriously amazing. You will love it and become as addicted as we are. Consider yourself warned.

What is your favorite family recipe for the holidays?

Pregnancy Limbo – 16 weeks and counting

Pregnancy Limbo feels like this.
I am living in pregnancy limbo, that stage in between looking like a normal person and actually looking pregnant. Even though I haven’t gained much weight, I feel like everything is becoming rounded, much like my friend the manatee in the photo above. My bump is starting to show, but mostly I just feel large. I’m sure strangers wonder if it is a beer belly or a baby belly. My pre-pregnancy pants don’t fit even with a band or the hair band trick. My friend Crystal taught me the hair band trick, and it saved my waist for weeks. You just put a pony tail holder through your button hole and around the button. Genius. I bought 2 Bella Bands at Target and barely used them because the hair band worked so well.

I finally gave in and bought maternity clothes, and they are such a relief. I bought them on the larger side so they will fit later on, and they are so deliciously comfy right now. So far Kohls and Target have been good to me, but I’d love to hear your go-to places for affordable maternity clothes. Bring on the stretchy pants!
I reached 16 weeks/4 months on Saturday, and had my monthly check up today. Everything went well and looks great. It is so fun to hear the heartbeat of my little Bun and know that he or she is cooking perfectly. We can’t wait to see Bun at our next appointment. By the way, we have decided not to find out the gender of our baby before the birth. I’ll share more about that decision later.

The Advent Season

One of my favorite parts of the Christmas season is celebrating Advent. I love the anticipation that comes new every year as we await the coming of Jesus, God with us. I love looking at Nativity scenes and thinking about that little family. The scene above is exactly like my favorite nativity scene of my mom’s. We loved it growing up and tried desperately not to break it. This year my bible study group is doing a book called “Preparing My Heart for Advent” by Ann Marie Stewart. We started it late, not realizing that she had a lesson for every day in November as well as December. Now we are doing each November day with the corresponding December day. I love it and am getting so much out of it. She speaks to my heart, and the study has really helped me to focus on Jesus and not get Christmas stressed. The study has taken us all over the new and old testaments, looking into the people of the Messianic family tree. I love the Christmas story as told by Matthew and Luke, but getting the bigger picture has been amazing. Here is my favorite quote from the study so far:

“Nothing will be perfect except the child in the manger. Keep your eyes on Him, and you will not be disappointed. “

How do I keep my eyes on Jesus and not on my shopping list or my to-do list or my to-visit list?
I’m hoping that staying in the Word every day with this study will help. I think back to Christmases past when the day came and went in a blur because my busyness controlled my life. I hope to slow down this year and enjoy time with family and time with Jesus.
What distracts you from the Savior during the Christmas season?

Our Handmade Felt Christmas Stockings

I am loving the fireplace at our new rent house. It makes us feel so cozy and at home, and it has been trying to decorate it for Christmas. We had some fancy velvet stockings that didn’t really go with our style or decor so I decided to make some felt ones that were much more us. As many of you know, I don’t own a sewing machine (though it is one my Christmas list) and don’t really know how to sew. I definitely prefer glue to a needle and thread, so I used it heavily in this project, with a little needle and embroidery floss thrown in for good measure. This project started at my friend Betsy’s Christmas craft night a few weeks ago. She had a bunch of inspirational ideas cut out of magazines for us to check out. I loved an idea from Land of Nod that I’ve attached at the bottom of this post, and it inspired me to make these stockings with a few touches of my own.
Here are our stockings. I think they are super cute. I cut them out of thick felt, on the fold so that the bottom would be reinforced.


I embroidered our names on white felt and then stitched them onto the top of the stockings.
I cut out the circles of many different colors of felt using pinking shears for a unique look. I made them three different sizes for variety. The color schemes are different for each stocking, but with a few repetitive colors. I glued the dots to the stockings using 3-in-1 Advanced Craft Glue. Then I glued thick ric rac over the dots.
After the glue dried, I hand stitched around each stocking with the embroidery floss that matched the name stitching. Hopefully they will hold up when filled with goodness.
The last step was attaching polka dot grosgrain ribbon with both glue and a few stitches to the top right corner of each stocking to hang them by the chimney with care.
Here are the finished products above, along with Jackson’s stocking that I featured earlier this week. I need another stocking holder but I don’t mind sharing with the pup.

Here is the inspiration stocking from Land of Nod. They have such fun stuff, but it is mostly out of the budget. I saved about $50 dollars by making the stockings myself, though it did take a LOT of time. At one point I almost decided to just finish one this year, but decided to go for it. Next year I’ll need to make one for our little Bun that is baking in my oven.
What is inspiring you this Christmas season?
I’m linking up to some great parties. Check them out on my sidebar and join the fun.

Every Dog Needs a Cute Stocking

I bought this stocking for Jackson at an after Christmas sale last year. He did have a stocking for the first 9 years of his life, but I didn’t like it at all. This one came with a gold glitter paint pen to write his name on the felt. I’ve used said pen before while decorating stockings for my parents’ pets, and it is really difficult to use on the felt. I decided to hand stitch his name onto the stocking for a personal touch, and so it would go well with the stockings I’m making for Jed and me. This turned out to be far more difficult than I thought. I didn’t have felt to match the white on the stocking, so I had to stitch through the stocking itself. This was not super fun. The stocking is really thick and didn’t want to cooperate. It took so long that I had to rewrite his name in disappearing ink over 10 times. I persevered and I think the finished product was worth the effort.
Now I just have to finish our stockings so I can hang them on the mantle. Hopefully I’ll have them to show you soon.
Do your pets have stockings hung by the chimney with care? If so, does Santa bring them treats to fill their stockings?

I’m sharing my little project at some great parties. Check them out on my sidebar and join the fun.