Kristen's blog

Month End Review: February

The month isn't over yet, but we close our family budget out on the 25th, hence the review. You can think of it as a sneak peak if you'd like.

Below is a small spreadsheet of what we have been able to put towards our savings goal month by month. It has taken a lot of hard work but we are happy to announce that we have finally reached our goal! What does that mean? Since we got married back in the summer of 2005, we have been saving bit by bit. The missionary salary isn't all that it's cracked up to be after all. By October of 2008 we were able to put together $10,000 for my college tuition, about $5,300 shy of the total fee for the one-year program. So our goal from the beginning of this challenge has been to do whatever it takes to put away that $5,300 in 6 months time (the contests ending in April).

Combining trimming our budget down to $715 per month (not counting tithing and giving) plus gathering side income, we have been able to make this thing work. All the thanks go to the LORD who is the provider of all that we have.

Here is the most recent chart with what we have been able to save in the past 5 months:

feb__month_review.jpg

As you can see we already have a surplus of $409 and a whole month left! Side income slowed down a lot due to the colder weather (garage sales and outdoor labor don't mix with snow!) but that first month has carried us far. With the extra money we save from here on out, we'll begin our fund for the clinic in the Dominican Republic.

We have learned so much about being good stewards of what HE has given us. There are so many ways to not be wasteful, ways to spend less, and ways to earn more. We've got six weeks left in this challenge, but a lifetime to keep learning.

Thanks for sticking with us and please keep voting!

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Thanks for reading my blog. If you like what you see, vote for me! Feel free to email me at kristenpyf@gmail.com, or visit our personal blog. God bless you.
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Little Study Partner and School Update

*****Guest Post by Michael, Kristen's Husband*****

I’m not quite sure how Samantha managed to get her pants off, but regardless, her cute, chubby legs just added a further distraction to Kristen. This is one of those routines our daughter enjoys - needing attention right when nursing school requires all of Kristen’s. But don't you worry, that’s where Daddy comes in and saves the day (or at least the text book).

Update on Kristen’s schooling:

  • Nearly half way finished with the 12 month course at Kaplan University
  • Learning a lot about basic health care and nutrition that will be directly applicable in the Dominican Republic
  • #1 in all of her classes...4.0 baby!
  • Currently interning at a nursing home where she takes care of the elderly
  • Loving every second of her 80 hour week (not really)
  • And she looks great in scrubs! (although she keeps eluding the camera…)

In all seriousness, I couldn’t be more proud of Kristen. She has thrown all fear aside and is chasing hard after her dream. It is a blessing to see her shine. Kristen is excelling in school; not only in grades, but in actual learning. And the skills she is acquiring now will reap a harvest of healthier lives back home in the DR.

Now, there is one more way you can support Kristen and her dream (besides helping her win the money by voting). How about leaving an encouraging comment? I do my best to tell her how awesome she is, but I’m sure it would mean a lot to her to get some cheers from you. If you would like, go ahead and throw something there in the comments section below. Muchas Gracias!

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Thanks for reading my blog. If you like what you see, vote for me! Feel free to email me at kristenpyf@gmail.com, or visit our personal blog. God bless you.
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Study

Submitted by Anonymous on Wed, 02/25/2009 - 12:28. I am so proud of you and Miquel's commitment. Stay on that path, you are doing great! YNW

Chunky Thighs

Submitted by Anonymous on Fri, 02/20/2009 - 13:01.

Kristen, i love that Samantha is rollling her baby fat across your (expensive) textbooks. I am trying to study in a place with no children at all.... i cant imagine the stress of trying to study with one on my lap. you are doing awesome. I cant wait to see the education put into action!

Study Habits

Submitted by Anonymous on Thu, 02/19/2009 - 15:42.

Kristen -

Can't imagine trying to study with a baby on my lap... cudos, and good luck with the nursing degree. My roomate's also in nursing school, I know how much work you have to do!

Amanda

BUENISIMO!

Submitted by Anonymous on Wed, 02/18/2009 - 18:09.

Kristen and Michael
What an unselfish thing you are doing - to help the poor and the Hispanics. In the name of all the people that have been and will be benefitted; I can only say MUCHAS GRACIAS y que Dios los bendiga! Keep counting on my vote!
Lourdes Peña

Couch

Submitted by Anonymous on Wed, 02/18/2009 - 12:42.

The couch looks comfy. I love seeing how all of the family is involved! YKW

Proud of you Kristen!

Submitted by Anonymous on Wed, 02/18/2009 - 03:10.

Have been keeping up with all your posts over here in KSA. Big smile on my face, and tears in my eyes. Again, very proud of what you are doing both in school and life itself. God Bless.

Love, Dad

You 3 are awesome!

Submitted by Anonymous on Wed, 02/18/2009 - 02:46.

Kristen, I'm so proud of you and all your hard work. You'll be a great nurse and touch so many lives in the DR.
Miquel, what a wonderful husband and daddy you are. Your support and encouragement of Kristen is inspiring, and your tender care of Sami is so sweet, it reminds me of how our Heavenly Father cares for us.
Sami, you are such a darling little girl, a true treasure from God.

Way to Go!

Submitted by Anonymous on Wed, 02/18/2009 - 00:06.

Go Kristen go, go Kristen go! OK, if I had pom-poms, I could jump up and down for you and let you know how proud I am of you for all that you're doing and how I know that the Lord is going to use all of this when you go back to the DR! Keep up the great job! And Miguel, keep up the good work on your part, too...and Samantha, you just keep being as cute as you can!!!!

You guys are both awesome and I send you hugs from the GA office tonight!!!!
((((((((((((((((((((((((((((((for the Shauls))))))))))))))))))))))))))))))))))
Love ya! Sue W

KRISTEN THE GREAT!!!!!!!

Submitted by Anonymous on Tue, 02/17/2009 - 23:19.

I ALWAYS KNEW YOU WERE TOTALLY AWESOME..NOW YOU HAVE PROVED IT..LOVE YOU ALL..NANA

WHAT A FANTASTIC PERSON YOU

Submitted by Anonymous on Tue, 02/17/2009 - 20:55.

WHAT A FANTASTIC PERSON YOU ARE TURNING OUT TO BE..KNEW YOU HAD IT IN YOU ALL THE TIME....KEEP UP THE GOOD WORK IN SCHOOL AND TAT HOME.

Great Work!

Submitted by Betsy on Tue, 02/17/2009 - 18:43.

Cute video! Kristen I'm so impressed with you - great job on all of your school work! Keep up the good work!

Not sure who you are Miss B,

Submitted by Kristen on Tue, 02/17/2009 - 18:53. Not sure who you are Miss B, but we really appreciate the support!

The Joys of Hiking

family_hiking.jpgAs a family, we cherish the time we can get outdoors. Whether it is a weekend in the mountains, or just a stroll around the neighborhood, we enjoy getting out. Today, Mr. Weatherman is predicting 6 to 8 inches of snow, and the way things are going he’s probably got it right this time. But for the past week we have had higher temps allowing us to enjoy the world out there.

The area in which we live lies directly west of the Missouri river, a bit of woods, and some noisy train tracks. And hidden inside those woods is a fresh groomed trail we just discovered. We can literally lace up the boots, do a two mile loop along the lazy Mo, and be back in an hour. Fresh air is great.

We also love exposing Samantha to the wonder of outdoor life. She gets excited and silent as her senses take it all in. Our little nature lover has really shown an interest in the trees, the birds, and especially the squirrels. And her favorite mode of transportation; the Kelty babypack. It’s #1 on Michael’s list of essential baby equipment.

daddy_daughter_day_hike.jpgBesides the opportunities to show you some pictures (keep scrolling down) and tell you a little more about ourselves, we share this blog with you because getting outside is one of the best forms of entertainment. It’s free, and it never ends. Although there are some pretty creative and incredible artists out there, nothing compares with the magnificence and beauty of GOD’s creation. HE doesn’t charge us a thing to enjoy HIS work; it’s a gift to us.

My encouragement to you this week (depending on the snow fall): go find a trail to hike. Who knows, maybe there’s a great spot just minutes from your house. We’d love to hear from you. What are your favorite outdoor activities?

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Thanks for reading my blog. If you like what you see, vote for me! Feel free to email me at kristenpyf@gmail.com, or visit our personal blog. God bless you.
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first_trail_steps.jpg

smiling_teeka.jpg

Kristen

Submitted by Anonymous on Tue, 02/17/2009 - 11:19.

I love reading about your family and the love you have for each other.

jungle hikes not as fun

Submitted by Anonymous on Mon, 02/16/2009 - 17:03.

Hm, favorite outdoor activiity - that might have to be watching the sunset from the water tower, the house, the boat, or wherever I might be at the time. Hiking here is messy though, with lots of sluggish streams, mosquitos, possible snakes and other weird bugs. I haven't done it yet. :)
love you both! (and Sam too, but she doesn't know me)
Crystal

True Adventure

Submitted by Kristen on Tue, 02/17/2009 - 14:38.

I guess what you see in the movies, or Man vs. Wild, isn't quiet reality huh. You always think of how awesome it would be to trek through the jungle machete in hand. But I imagine most people wouldn't be up to enduring all the necessary pain. While most people here imagine adventure, you get to live out a true one.

Bless you Crystal, and thanks for stopping by!

Looking good!

Submitted by Anonymous on Mon, 02/16/2009 - 15:42.

Loved the pics of you guys! And the one of Miguel and Samantha on the bridge...(OK, it looks like a bridge to me....might just be a wooden path!)...it's priceless! Keep warm as you wait to see if Mr Weatherman's predicting skills are any good!
Blessings,
Sue W in GA

Wooden Path

Submitted by Kristen on Tue, 02/17/2009 - 14:32.

Turns out the bridge was a wooden path after all, you were on the right track though! Great to hear from you Sue, keep it up.

Hiking sounds great right

Submitted by Anonymous on Sun, 02/15/2009 - 23:31.

Hiking sounds great right now!!! Unfortunatley some of us are still covered in multiple inches of snow and a hike for us consists of pulling your hips out of the mountains of snow as you attempt in vain to make it to class in time. But, on that note... Lately i have noticed some incredible outdoor sculptures around my area and have enjoyed hiking out to them and figure out what they are about. No one stops to see them and it turns out they are pretty interesting. So thanks for the encouragement... i will now always stop for an odd looking tree or piece of art in the middle of now where!!!!

Snow Shoes

Submitted by Kristen on Mon, 02/16/2009 - 18:37.

You have got to pick up a pair of those. Or better yet (and to save $) see if you can make a pair for yourself! That would take some creativity, but if you are into art already, maybe you've got what it takes.

Hi Kristen

Submitted by Anonymous on Sun, 02/15/2009 - 22:34.

You are doing great!

All Time Best Way to Save $ During Winter

Despite how much I struggle to enjoy the bitter cold of a Nebraska winter, there is one thing I have found incredibly warming...fire!

Ever since being a kid, I have loved a blazing fire on the hearth. It's a link to the past, to times before electricity and natural gas chased off the cold. It could be the backpacker in me talking, but something about keeping warm by the fire just makes life more enjoyable. One of my childhood chores was to bring in wood from the stack out back. And I remember fighting with my brother to be the one to start the fire. On real cold nights the whole family would stay up late huddled around the wood burning stove.

Those are great memories from growing up, sleeping at night by the warmth of the crackling logs. And since we have been back in Nebraska after 6 years abroad, I didn’t want to miss out on the tradition. The friends we live with (they converted their basement into an apartment) had a normal fireplace upstairs. But it would take 20 logs to get any real heat out of the thing, and they would be completely burned through in 1 hour. Incredibly inefficient. And so in mid-December we began our quest to find the perfect wood burning stove. Our criteria for the stove included 1) the right size, 2) a powerful blower, 3) decent appearance, and 4) under $500. We hit the local stores, checked outline dealers, ebay, and craigslist, but nothing seemed to fit the bill. Two weeks into the search we began to broaden our craigslist scope to include surrounding states. And low and behold, an elderly gentleman in Kansas had the perfect stove.

wood_burning_stove.jpg After some modifications to the stove and the chimney, we ended up paying $300 for a stinking awesome heat source. And man does that thing crank out the heat! Eight logs will keep us in shorts and t-shirts for 8 hours! After installing it ourselves, we turned off the furnace completely. And not only is a fire great for the atmosphere, it saves money. With natural gas being a pretty expensive utility, we were paying around $350 a month. Electricity is significantly cheaper, meaning the blower on the stove and a fan heat the entire upstairs for a fraction of the cost of gas. And we do fine with a small space heater and humidifier in the basement. My estimate; heating the house by fire will save $500 each winter. Add to that the joy of cutting and splitting your own wood, and you’ve got yourself the best winter ever!

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Thanks for reading my blog. If you like what you see, vote for me! Feel free to email me at kristenpyf@gmail.com, or visit our personal blog. God bless you.
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FYI!

Submitted by Anonymous on Fri, 02/13/2009 - 15:32.

I just wanted to let you guys know this voting page is my home page on my computer...so everytime i get on i vote vote vote! Joe was like..."Why does this always come up what is this?!" And I said " VOTE!" haha. I love you guys and you are always in my thoughts and prayers. You two have done so much for me and left a lasting, often thought of, impression on my life.

By the way the mini-you's aka Samantha...ADORABLE. Seriously it's out of control. ha.

Katie Bruce

Thanks Katie

Submitted by Kristen on Fri, 02/13/2009 - 20:07.

we are thrilled you are voting for us so much. maybe you could do a youth group service on how to vote for Kristen? get them jovenes throwing their weight in the right direction...(wink wink)

we are also very thrilled that you found your last name.

keep up the good work!

Miguel is having way to much

Submitted by Anonymous on Wed, 02/11/2009 - 15:45.

Miguel is having way to much fun up on that tree with the chainsaw, makes me wish I was there to join in that fun!! love you guys
-jacobs

Yes Sir!

Submitted by Kristen on Fri, 02/13/2009 - 20:04.

you are always welcome to join miguel in his adventures. whether that be wielding a chainsaw, climbing ridiculous Dominican mountains, or transforming an island into a wedding chapel. you can always count on the jacobs!

Wishing

Submitted by Anonymous on Tue, 02/10/2009 - 20:11.

Oh, if only it were cold enough here to need a wood stove! My mom and dad have a pellet stove in Maine - not sure what their costs are, but I know almost anything is cheaper than gas at this time. Except the 20 logs an hour.
-Crystal

No fire in the Dominican

Submitted by Kristen on Tue, 02/10/2009 - 21:23.

Yeah, I hear ya. That's my only gripe about the DR; not cold enough to warrant a sweet fireplace. Although, we've considered moving up as high as possible in the mountains so that one week a year we can justify burning a few logs. I guess will just take full advantage of our time in the midwest. And you can keep it real in the jungle hammocks!
Thanks for writing.

Stay warm

Submitted by Anonymous on Tue, 02/10/2009 - 18:48.

I would suggest more cuddling time personally. i mean staying warm is all in the mind! love you guys

nebraska is cold

Submitted by Anonymous on Mon, 02/09/2009 - 21:28.

brrrrr! stay warm! we love you guys!

Neat Idea

Submitted by Anonymous on Mon, 02/09/2009 - 21:02.

Wow - I never realized you could save so much money with a fire place; growing up, my family always had one, and sitting in front of the fire was definitely a prime location all winter long.

Ingenuity

Submitted by Kristen on Tue, 02/10/2009 - 17:47.

By itself, the fire place can be pretty inefficient at heating the house. The old one here certainly was. But after thinking through the best possible system (using the stove to trap the heat, and using fans to circulate the hot air through the entire home), it turns out you can cut your bills drastically. I love it when saving money is so enjoyable.

chain saw

Submitted by Anonymous on Mon, 02/09/2009 - 20:22.

take that thing away from him right now! he could hurt himself.

No Worries

Submitted by Kristen on Tue, 02/10/2009 - 17:33.

No worries, he's a professional handler of dangerous objects. He takes care of Samantha all day.

good luck

Submitted by Anonymous on Mon, 02/09/2009 - 20:21.

Kristen - good luck with the contest and your crazy husband.

From Sue W

Submitted by Anonymous on Mon, 02/09/2009 - 20:20.

Not to mention the extra (and inexpensive) workout you get from chopping those logs! Glad to see you are doing so well!!!!!

Beat up for days

Submitted by Kristen on Tue, 02/10/2009 - 17:29.

I'll say. A few hours of sawing, throwing around tree trunks and swinging an axe will bust you up better than any gym. Plus it has my favorite ingredient...being outdoors!

Hot Chocolate

Submitted by Anonymous on Mon, 02/09/2009 - 19:46.

I used to have one of these stoves and I would put a mug of (cold) hot chocolate on top of the fireplace. By the time I got around to relaxing in front of the fire I had a toasty mug of piping hot chocolate to drink! It definitely beats putting it in the microwave.

Also, we used to keep a jar of water heating on top of the fireplace. As the fire heated the water it helped to keep the air in the room from drying out. Free humidifier!

Great Idea!

Submitted by Kristen on Tue, 02/10/2009 - 21:41.

Hey thanks for the advise. I'm going to try both of those and see how it goes. Sounds like another inexpensive date night to me!

I Love my Husband!

us_nice.jpgI love my husband! One of my favorite things to do is to spend time with him one on one. We have been married almost four years now, and something that has become a tradition and priority in our marriage is a weekly date night. It is our time to forget about everything else and focus on each other, and let me tell you, we have so much fun! Since beginning our savings challenge, we have been inspired to find creative and frugal ways to spend our date night. Here are a few of our favorites and a couple ideas sent to me by some of my dearest friends.

See your City. My friend Casey in Reno checks her cities online Calendar for free events. You can find festivals, art shows, and more that are completely free. Elizabeth in Philadelphia checks the City Best top ten in the “cheap eats” category and has yet to be disappointed!

Get some exercise. Jennifer and her husband live in Texas and run together at the state park. Here in Nebraska, you can get a one year parking pass that lets you into any state park for 20 dollars.

Watch a movie. Kaysee in Kentucky is a big fan of Redbox one dollar movie rentals. I have seen those boxes around and can’t wait to try it out. Jessica in Birmingham hits up the drive in with her husband where a double feature is only 5 dollars a head. They take a picnic dinner along and enjoy.

Get a cheap dessert. A lot of grocery stores will mark down their bakery items around 8 pm. Before heading home from your date, hit up your local store for a cheap treat. Michael and I do this all the time!

Those are just a few but the possibilities are endless!!! This week I think we’ll go sledding (I have never been before!) and then head to Panera where they serve hot chocolate in a mug so big you can put your whole face in it! The drink will be $2.17 and when you add a couple dollars for gas, we have ourselves a fun date night for only 5 dollars. Nice!

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Thanks for reading my blog. If you like what you see, vote for me! Feel free to email me at kristenpyf@gmail.com, or visit our personal blog. God bless you.
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Date Night

Submitted by Anonymous on Wed, 02/11/2009 - 16:09.

Kristen,

This is a great challenge and I love your posts. Best wishes and blessings on your efforts in nursing school and the Dominican Republic. I think I will use some of your date night ideas with my husband!

-Stacy

Yay!

Submitted by Anonymous on Tue, 02/10/2009 - 17:59.

Way to go Kristen!
So excited you are this far in the run, will be praying for you and the fam!
Rock on!
Estie Barnes

Thanks Estie!

Submitted by Kristen on Tue, 02/10/2009 - 21:18.

Thanks girl. We really appreciate the support, you are helping us finish hard!

seth

Submitted by Anonymous on Mon, 02/09/2009 - 19:52.

well done, Kristen! voting for you!

"I love my husband"

Submitted by Anonymous on Wed, 02/04/2009 - 16:27.

Thanks for the article, Kristen. You are a concise writer.

May I go on an aside of gratefulness?

Thank you for freely expressing love for your husband. Thank you for expressing it unreservedly, and unabashedly... and in public!

Doesn't it seem our culture bombards "dumb-men" messages at women? God-given womanly affections - so treasured by us men! - can become relational bargaining tools. Cultural brainwashing tells women they are foolish or even "abused" for offering feminine support without demands for some specific return. This mindset can quickly produce cool, calculating, or even adversarial relationships. So the culture's message is truly foolish and abusive - because this type of marriage is counterproductive and destructive to what most women want and need in the long run.

To the contrary, your simple, freely given verbal affection is a helpful example.

Our Lord is such a genius at taking seeds, like your example, and planting them where they are needed. Thanks to HIM and thanks to you.

Date Nights!

Submitted by Anonymous on Thu, 01/29/2009 - 19:19.

Great list of ideas. Very inspiring.

Two Close Calls

*****Guest Post by Michael, Kristen's Husband*****

If you’ve been reading our blog, you should have been able to pick up by now that we don’t like to spend money on just about anything. You could say we are natural-born savers. But every now and again something pops up on the radar that entices the small, but living, ‘spender’ within. Yesterday an inner battle raged that almost led me to splurging on a very non-essential item. This is actually the second time that I’ve almost succumbed to it. In both cases, moderation barely made it out alive.

briefcase.jpgThe product at hand is a top of the line leather briefcase. I hesitate to post a picture because the smolder of the battle field is still settling. No reason to tempt myself again right? I’ll be strong for your sake. Although this particular briefcase is way less than some of those Italian leather companies’ products ($1,500), it still would put us behind about $500. In justifying the obvious lack of need, I imagined all the places on the globe I would travel to in my lifetime, and than passing along this bag as an heirloom to a son or grandson of mine. (Photo courtesy of saddlebackleather.com

I rationalize by convincing myself that I would have to spend money like this to acquire a piece of craftsmanship strong enough to endure 70+ years of abuse. Shelling out less cash would equal the high probability of a broken heirloom. But in a way I was just lying to myself. Pretending that I was sacrificing the money in order to buy a gift for someone else, just wasn't true. To be honest with myself would be to admit that I really just wanted it…because it’s cool. And $500 for coolness doesn't quite jive with me. Especially after being home in the Dominican Republic where some of our dear friends are forced to survive on $500 for 6 months. Where’s the justice in that?

For now, I’ll do without the leather briefcase, and work on passing down heirlooms that really matter. Like personal character and love. After all, to be an adventurer is much more important than looking like one.

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Thanks for reading my blog. If you like what you see, vote for me! Feel free to email me at kristenpyf@gmail.com, or visit our personal blog. God bless you.
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Way Behind...but OK

I have finally found a minute to sit down and write a blog. The last three weeks have been a whirl-wind of travel for us (Virgina, Dominican Republic, and now California). Outside of that, I’ve just finished up semester finals at nursing school. Normally, we are a family that stays on top of our finances, knowing where we stand, what goals we have, and what we need to do to achieve those goals. But with such a busy last three weeks (not to mention the holidays) we are pretty clueless. It’s been years since we’ve been in a spot like this, dropping the reigns of the family finance wagon. But that’s where we’re at. Not that we are going on spending spree’s and racking up credit card debt or anything, we just haven’t had time to sit down and punch the numbers. Thankfully, good habits have kept our spending from going overboard, and automatic reminders set long ago have ensured we didn’t miss a bill.

Although we don’t like the feeling of being discombobulated, there are some things we appreciate from losing track.

  • not thinking about money constantly (it was getting near daily that in one way or another money was on my mind)
  • getting a lot of good time with the family
  • being free to enjoy the little things in life

dominican_girls.jpgIn all, it was a good reminder that life isn’t about money; making it, keeping it, or spending it. While in the DR, this truth really was driven home. Our dear friends and rich-in-love community live life in a deeper way than most of us 'Americanos' do, and they do it being one of the poorest countries in the western hemisphere. And although we will punch those numbers eventually, we’ll make sure finances don’t take priority over the things that really matter to us.

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Thanks for reading my blog. If you like what you see, vote for me! Feel free to email me at kristenpyf@gmail.com, or visit our personal blog. God bless you.
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Hi Kristen

Submitted by Anonymous on Tue, 02/10/2009 - 23:25.

Loved reading about your date nights! You will both be best for years to come because of the time you invest now. Love you, Aunt Lauri

Month End Review: November

By Michael, Kristen’s husband

I’m out to eat at Q’doba, meeting with a friend for lunch. He’s buying. Otherwise, I’d be pulling out the three coupons for free fry’s from Burger King and chowing down a high calorie-no nutrients meal. Thanks for the grub John! This place really is hopping, and in light of the global economic turbulence, Omaha seems to be riding out the storm no problem. Other than the -26⁰ wind chill this morning, The 'Big O' is a good place to be.

November was a good month for us savings wise. We weren’t able to pull in the high numbers from side income, but several bills came in a bit lower and we, once again, made our monthly goals. I’ve added a little more information to the chart for a better idea of where we stand.

nov__month_review.jpg

Savings

We were able to stay within our budget, consuming very little, and actually cutting back extra on food ($20.72), toiletries ($17.75), and fuel ($32.00). Thanks to dropping gas prices and Thanksgiving left-overs, we are $70.47 closer to our goal. The hard part was being disciplined enough to not see that extra cushion and go out and spend it on Christmas presents for ourselves!

Side Income

In October, we were able to pull in an additional $2,046.91. As you can see in our review, most of that came from construction work and selling furniture for my family here in Omaha. Although we exceeded our goal by 4 times, the small hernia I got from throwing washing machines and couches around slowed me down a bit for November. A possible surgery in January will slow us down even more. But the optimist in me see's it as an opportunity to learn creative ways to earn money aside from depending on my massive strength!

This month we me made additional money from:
- $258.66 from construction work
- $428.00 from odd jobs
- $81.01 from credit card cash back

Not near as big as October, but still $350.67 above our monthly goal, which is amazing! As you can see on the chart, we have to save, and earn, $1,486.95 in four months time. Who knows what the future might hold or what emergencies might come up, but we are going to keep plugging away and try to reach our goal.

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Thanks for reading my blog. If you like what you see, vote for me! Feel free to email me at kristenpyf@gmail.com, or visit our personal blog. God bless you.
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Free Baby Toys: Part 2

It’s been awhile since we last posted. Blame it on thanksgiving travel and writer’s block if you’d like. We are now back in Bellevue, braving the cold and working hard these three weeks in between holidays. It certainly is a blessing to be near family this season, and we enjoy every moment of it. And although upcoming Christmas is a day full of joy and merry-making, it can be a bit rough on the old wallet. Last time we opened up a discussion on appropriate spending over the holidays and some thought-provoking conversations ensued. One commenter posed the question, “how can you break the cycle of consumerism with Samantha?” – alluding to trends that lead to a self-focused Christmas.

After discussing it further, here are some principals and practical spending applications that we want to implement in our family’s approach to Christmas.

After discussing it further, here are some principals and practical spending applications that we want to implement in our family’s approach to Christmas.

• Being a Christ-following family, above all we want to make the season about JESUS, keeping the story of HIS birth at center; a nativity set would be a good reminder, we don’t have one yet, so we’ll make this one time purchase.

• Strictly as a family, have some special time in the house where we create memories (make traditions, play games, feast, ect.) Also as a family, spend time out getting involved in blessing others (volunteering at a soup kitchen, nursing home, caroling, etc.). None of these have to cost much and all will help make the season about family.

• For gifts, we were thinking one per child that is both meaningful and promotes otherness; getting Samantha a board book that we can spend time reading together is a good example. As well as gifts within the family, we would give each child some money to buy a gift for a peer in a hard situation. The kids would be the ones to pick it out, buy it, and give it away. This tradition would make the season about giving.

HPIM1608.jpgOn a side note, Michael’s great-grandmother passed away this past month. She was 106. Nana was an incredible woman whose parents immigrated from Czechoslovakia and farmed the soil of central Nebraska, crossing the plains by covered wagon. While reading through some of her remarkable memoirs, I stumbled upon this quote that brings the message home.

“I pity today’s children with their over abundance of toys. How much more fun for them and their ingenuity would grow if they’d have to create some of their fun time. It’s sad to take that away from them, but they claim that’s progress…maybe.”
-Elsie Krejci Kluck, early 1900’s.

Sometimes to look forward, it helps to look back.
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Thanks for reading my blog. If you like what you see, vote for me! Feel free to email me at kristenpyf@gmail.com, or visit our personal blog. God bless you.
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Kristen - I just wanted to

Submitted by Anonymous on Fri, 12/12/2008 - 14:20.

Kristen -
I just wanted to let you know that we are voting for you everyday! My husband met you and Miguel this past summer in the DR...you know...Matt the dentist??!!! I should send you the pic of him riding on the motorcycle with Miguel. We'll keep voting!!
Carrie

Thanks for Voting!

Submitted by Anonymous on Fri, 12/12/2008 - 16:58.

Hey Carrie, year we remember you. You guys were a hit there in Cieniga de Mogollon. When you coming back?

Not only is the motorcycle really fun to ride, at $6 a gallon the high milage really saves us money. Hard to beat 62 miles per gallon! We'd love to see the picture. Send it to us at kristenpyf@gmail.com.

Thanks again for voting, and tell the team hi for us.

Great

Submitted by Phil on Fri, 12/12/2008 - 00:47.

What a great story about your great-grandmother. I'm all for gifts that bring everyone together. Keep it up, guys.

Thanks Phil

Submitted by Anonymous on Fri, 12/12/2008 - 16:41.

Yeah, I realized that a lot of the gifts out there for kids are more geared towards playing alone. Although it's nice to have the a little something for the kids to keep themselves busy, it's much better for them to spend time with their parents or other children. And kids have such great imaginations, it really doesn't take much. A small gift that several people can do together is the best choice for us.

Thanks for the comment!

Christmas gifts

Submitted by Anonymous on Wed, 12/10/2008 - 17:49.

We agree! I like the idea of giving them money to help a friend- great new idea. Love your message on (anti-)materialism- it is so true that we often spend money mindlessly in the U.S. (sadly!). If a woman from a third world country lacking clean water was our neighbor, would this thing we're considering buying, even for children, seem at all important? Proximity to need, or in the case of the U.S.- affluence, has such an impact on our perception of need and blessings, doesn't it? It's great that you are training Samatha up to be mindful of the broader, but often disguised reality, which certainly includes the truth that no material thing can ever substitute for the marvelous, satiating, everlasting love of Jesus, through whom we have forgiveness of sins and eternal life. Hope has entered the world through God made flesh...such a beautiful Christmas message, by far worth the effort to make it real to Samantha. Thanks for the blog!
-Kristi Rogers

Kristen

Submitted by Anonymous on Thu, 12/11/2008 - 19:59.

Kristi,

You are welcome, and thanks for commenting. You are right on with how easy it is to lose touch with the harsh reality of the world's poor. We should be responsible with our spending, keeping in mind how privileged we are in developed countries like the USA, and how even a little given to the right cause goes far. I think that's the toughest part for most of us. There's a lot of people out there with great hearts who would give generously to fight poverty, but slowly the heart forgets to hurt when it's distracted by the daily grind. How do we live normal life, being so far from poverty, and make conscience decisions to not over-indulge and help others instead?

Free Baby Toys: Part 1

That big, crazy, money spending holiday season is upon us yet again. All right folks, let’s do this right and not make it about presents this year. Just had to get that off my chest…

For Michael and I, this will be our first Christmas with a child of our own, and while we are firm about making the above a reality in our own life, I must admit that some of those toy ad’s are starting a look a little enticing. Not for me, for the baby. Samantha will be one year old by January and her toy collection could certainly use some growth, at least that’s what the marketers would like us to think. We found ourselves going back and forth on how much to spend on her, on what are appropriate boundaries, etc., until one day last week she showed us what she would really like from Santa this year.

If you recall our last post about fixing the humidifier, the little plastic piece that was missing finally arrived in the mail, and with it came the beautifully dull brown box it traveled in. For Samantha it was love at first sight. The box immediately became her favorite toy- reminding me of stories I’d heard before. Stories from Christmas’ past where the kids open all of their presents and then play with the boxes and wrapping paper instead of the expensive toys.

If a simple box can entertain Samantha for a week, I don’t think she needs all the expensive toys to enjoy life.

teeka_s_box.jpgEven better ,we can keep a few spare boxes hidden away (ones with different colors and sizes). That way when she losses interest with one box, we’ll swap it with a ‘new’ one and cycle them through every four weeks or so. It should work for awhile, at least until that whole short-term memory thing starts happening. Right now our box collection is at 3. We could probably afford two more. Oh man, I can just imagine Samantha’s grandparents (and Nana) all cringing at the thought of their precious little baby only getting a box for Christmas. Calm down everybody, we're not THAT frugal!

But what if we were? To everyone else it would matter, but I’m sure she would be just as thrilled with a box as she would with something that cost $100. Would that make us bad parents? What does it mean to ‘give your kids your best’ in this regard? And if society’s understanding of providing is not our own, should we try and meet somewhere in the middle?

I’ll write more tomorrow about what we are getting Samantha for Christmas, and why; but I’d like to start a discussion about the background thinking here. What does providing for your children really mean? Phil has a little one on the way, and Dave just finished trimming down costs to $2,000 on one of his 5 daughters Quinceañera, so hopefully they can weigh in. I invite you to hold nothing back and let us know your thoughts by commenting below.

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Thanks for reading my blog. If you like what you see, vote for me! Feel free to email me at kristenpyf@gmail.com, or visit our personal blog. God bless you.
....................................................................................................

Love versa gifts

Submitted by Anonymous on Sun, 12/21/2008 - 14:42.

40 years ago I married a man who years before had a wife that ran off and left him to raise their infant daughter. When she was 5 years old we were married. At Christmas, the mother and all of her family would send piles of gifts. I believe it was mostly out of guilt. Anyway, a couple of hours after opening all these gifts, my daughter (Or step-daughter) would be in the bathroom crying because she wanted blue instead of pink or she didn't like the style as much as someother one. She was constantly discontent and unhappy about the gifts. It made her look like she was just a spoiled little brat BUT I finally realized that what she was really saying was "I don't want all these gifts, I want my mother's love". She's an adult now and has children of her own and I am so proud of how she handles Christmas - there are some gifts, but not too much and there is an abundance of love - time together playing games, making gifts for other people, baking for the neighbors and so far I see no signs of them feeling like they don't get enough presents.

Give Her Your Time

Submitted by Anonymous on Mon, 12/01/2008 - 16:16.

I say let your relatives get her gifts and you guys just keep stocking up on boxes. I'm all for keeping the number of toys to a minimum.

I'm not a parent yet, but I suspect time with your kid is the most valuable thing you can give them and it's the thing they want the most of. I say spend the money on creating more time with your family, and creating great experiences with them.

At the same time, there's nothing wrong with a few toys. But if your kids aren't honoring (appreciating and valuing) their things by taking care of them and playing with all of them, then they may have too many.

I'm sure you guys will err on the side of minimal toys and, combined with your relatives' gifts, end up with just enough.

Consumerism

Submitted by Anonymous on Fri, 11/21/2008 - 01:51.

First of all, let me congratulate the two of you for stopping to think about this whole issue rather than just going along with the crowd and giving Samantha everything she ever wanted. I think that in the last few years there has been an epidemic in suburbia. It's no longer enough to strive for a bigger house, better car, and greener lawn than your neighbor, now you have to have your kids more decked out also. The problem with keeping up with the Jones' is that they're broke!

That said, have you given any thought to how you can break the cycle of consumerism with Samantha? Especially during the holidays it's difficult to impress on our children the importance of giving over receiving, of quality over quantity, of people over presents.

I'm not saying that we shouldn't get our kids anything at all, but I also would love to hear some ideas on how to teach them the true reason for the Christmas season.

I'm kinda like Samantha!

Submitted by Anonymous on Thu, 11/20/2008 - 18:18.

Corey and I talk about this a lot. My love language is gifts, so him getting me things means a TON to me. And I will say... when he spends money on me, it definitely speaks my love language. But I think it makes it so much more special when spending money on gifts is a rare thing... while funny little "free" gifts (like picking flowers while we walk... or finding a pretty colored fall leaf... or making me something out of around the house junk) can happen a lot more often. And maybe it all started when I fell in love with an empty doll box one Christmas :)

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