Showing posts with label the hicks 6provident living. Show all posts
Showing posts with label the hicks 6provident living. Show all posts
Wednesday, December 28, 2011
New Year New Budget
We had a beautiful simple Christmas. More on that later perhaps.
This is what I am working on now.
BUDGETING. 2012 is the Hicks no spending year. I love it. No joke. Maybe its because I'm a control freak, I don't know what it is, But I do know that there was a time, that we had no idea where our money was going. I hated that feeling. 2008 was a HORRENDOUS year for us financially. We drove ourselves into a hole spending frivolously on things that we thought we needed or things that we didn't give much thought to. We also had the mindset of "well Mike makes this much and we can afford it." Well, that may have been true, we could afford that one thing, But we couldn't afford ALL of the things that we justified buying with that mindset.
Example. "Mikes makes this much and so we can afford a $400 4 runner payment" That part was true. Add another $400 in gas... I don't think we were thinking about that part.
"Mike makes this much so we can afford a truck that costs us $800 a month in payment and gas." That was also true, However, Put $800 and $800 together, and it was something that made us reach a little too far into our pockets. Make sense?
We justified A LOT that way. " Mike makes this so we "deserve" to be able to eat out when we want.
However, What we didn't account for, was a HUGE pay cut, and a premature baby that came with LOTS of NICU bills. A lot of our hardships could have been avoided had we planned and saved.
Cant I just say how STUPID we were.
Ugh, I'm embarrassed about the whole thing. At this very second I'm considering deleting this... However, I want to share it so that perhaps someone can learn from my stupid mistakes and not have to learn the hard way.
The good news is we have learned A LOT. And it really was a huge blessing in disguise for us.
Our long term goals financially include
paying off our next house in 15 years or less.
having a healthy emergency fund at all times.
having enough put away for an early retirement
savings accounts for all of our kids. {missions, college, weddings, etc}
Short term {the next 2-3 years}
Buy a new house and put 30% down.
have x amount of money in emergency fund savings
contribute x amount of dollars to retirement each month. {separate from 401k}
So, in order to accomplish those things, we have to have a plan in place.
Here's our plan.
CASH BUDGET for 2012.
There are 2 approaches to this, The envelope system, and the jar system.
To start off until we get into the groove of things, we're going to use jars. Because if i have the envelopes of cash with me, its going to be way too easy for me to just take $20 from the "clothes budget" and blow it on the grocery budget.
I like Gail Vaz Oxlade's budget builder. You can find it here.
Obviously our fixed expenses are fixed and there isn't really a whole lot I can do about those right now.
Here's what our budget is going to look like for this year. I'm putting it all out there. And once a week or once a month I will report and let you know how I did on staying on budget. It's the new year. It's a good time to start. Do it with me.
FIXED-
Tithing
House
car 1
car 2
electricity/water
cable/internet
phones
life insurance
car insurance
House keeper {I'm putting it all out there, I cut the budget other places, and right now, that's something that I need help with.}
Variable expenses.
This is the fun stuff, these are the amounts that will go in each jar each week
Gas- $100
medical/dental- $25 {This jar will accumulate money}
Groceries/diapers/household-$125 {lets see how good I really am at couponing}
restaurant-$25 {date night}
clothes-$25 {this will accumulate as well}
family/gifts-$25 This will accumulate}
Hobbies-$10 {This will accumulate and pay for my running shoes every 3 months}
Costco-$50 {this will accumulate and I will go once a month}
Here goes nothing. But when we stick to this for this entire year, we will be able to save a substantial amount of money and we will be so much better off having learned to really budget. If these numbers look crazy one way or the other to you, go back and look at what you really spend. I bet you'll be surprised. Scratch that if you really don't budget, go back and add up what you really spent. I PROMISE it will shock you.
Here's to becoming better stewards of the things that the Lord has so abundantly blessed us with.
Tuesday, May 17, 2011
Joy In The Journey.

All too often I find myself pondering the future. Next year when we buy a new house, What it will look like, How I'll decorate it. Or thinking to myself, when all the kids are in school and I have 7 hours to myself, what will that be like? A morning run without pushing a double jogger? People really do that? Thinking of what it will be like when I sit in the stands of my little boys football or baseball games, watching my girls at cheer or dance or violin recitals... Or wondering where Mike and I will serve missions and dreaming of what it will be like. But I think to myself, how often when I was little did I dream of being a mom, and wonder what that was going to be like. And now, here it is... Am I going to waste away these precious moments of their childhood thinking of what life will bring, or am I going to fill these day with memories to look back on? I think I'll spend the days enjoying the present, Blowing bubbles, making laughter, being proud of the art that's drawn on my walls in crayon, Maybe I'll buy a frame for it! I don't want a lot of empty yesterdays. There is joy in the journey, there is joy in the little things of life. There is joy in cleaning messes after everyone goes to bed, there is joy in teaching, There is joy in preparing meals, There is joy in reading bed time stories. I intend to soak everything I can up into the memories of today and yesterday, instead of the dreams of tomorrow.
Finding Joy in the Journey
October 2008 conference address
President Thomas S. Monson
President of the Church
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Let us relish life as we live it, find joy in the journey, and share our love with friends and family.
My dear brothers and sisters, I am humbled as I stand before you this morning. I ask for your faith and prayers in my behalf as I speak about those things which have been on my mind and which I have felt impressed to share with you.
I begin by mentioning one of the most inevitable aspects of our lives here upon the earth, and that is change. At one time or another we’ve all heard some form of the familiar adage: “Nothing is as constant as change.”
Throughout our lives, we must deal with change. Some changes are welcome; some are not. There are changes in our lives which are sudden, such as the unexpected passing of a loved one, an unforeseen illness, the loss of a possession we treasure. But most of the changes take place subtly and slowly.
This conference marks 45 years since I was called to the Quorum of the Twelve Apostles. As the junior member of the Twelve then, I looked up to 14 exceptional men, who were senior to me in the Twelve and the First Presidency. One by one, each of these men has returned home. When President Hinckley passed away eight months ago, I realized that I had become the senior Apostle. The changes over a period of 45 years that were incremental now seem monumental.
This coming week Sister Monson and I will celebrate our 60th wedding anniversary. As I look back to our beginnings, I realize just how much our lives have changed since then. Our beloved parents, who stood beside us as we commenced our journey together, have passed on. Our three children, who filled our lives so completely for many years, are grown and have families of their own. Most of our grandchildren are grown, and we now have four great-grandchildren.
Day by day, minute by minute, second by second we went from where we were to where we are now. The lives of all of us, of course, go through similar alterations and changes. The difference between the changes in my life and the changes in yours is only in the details. Time never stands still; it must steadily march on, and with the marching come the changes.
This is our one and only chance at mortal life—here and now. The longer we live, the greater is our realization that it is brief. Opportunities come, and then they are gone. I believe that among the greatest lessons we are to learn in this short sojourn upon the earth are lessons that help us distinguish between what is important and what is not. I plead with you not to let those most important things pass you by as you plan for that illusive and nonexistent future when you will have time to do all that you want to do. Instead, find joy in the journey—now.
I am what my wife, Frances, calls a “show-a-holic.” I thoroughly enjoy many musicals, and one of my favorites was written by the American composer Meredith Willson and is entitled The Music Man. Professor Harold Hill, one of the principal characters in the show, voices a caution that I share with you. Says he, “You pile up enough tomorrows, and you’ll find you’ve collected a lot of empty yesterdays.” 1
My brothers and sisters, there is no tomorrow to remember if we don’t do something today.
I’ve shared with you previously an example of this philosophy. I believe it bears repeating. Many years ago, Arthur Gordon wrote in a national magazine, and I quote:
“When I was around thirteen and my brother ten, Father had promised to take us to the circus. But at lunchtime there was a phone call; some urgent business required his attention downtown. We braced ourselves for disappointment. Then we heard him say [into the phone], ‘No, I won’t be down. It’ll have to wait.’
“When he came back to the table, Mother smiled. ‘The circus keeps coming back, you know,’ [she said.]
“‘I know,’ said Father. ‘But childhood doesn’t.’” 2
If you have children who are grown and gone, in all likelihood you have occasionally felt pangs of loss and the recognition that you didn’t appreciate that time of life as much as you should have. Of course, there is no going back, but only forward. Rather than dwelling on the past, we should make the most of today, of the here and now, doing all we can to provide pleasant memories for the future.
If you are still in the process of raising children, be aware that the tiny fingerprints that show up on almost every newly cleaned surface, the toys scattered about the house, the piles and piles of laundry to be tackled will disappear all too soon and that you will—to your surprise—miss them profoundly.
Stresses in our lives come regardless of our circumstances. We must deal with them the best we can. But we should not let them get in the way of what is most important—and what is most important almost always involves the people around us. Often we assume that they must know how much we love them. But we should never assume; we should let them know. Wrote William Shakespeare, “They do not love that do not show their love.” 3 We will never regret the kind words spoken or the affection shown. Rather, our regrets will come if such things are omitted from our relationships with those who mean the most to us.
Send that note to the friend you’ve been neglecting; give your child a hug; give your parents a hug; say “I love you” more; always express your thanks. Never let a problem to be solved become more important than a person to be loved. Friends move away, children grow up, loved ones pass on. It’s so easy to take others for granted, until that day when they’re gone from our lives and we are left with feelings of “what if” and “if only.” Said author Harriet Beecher Stowe, “The bitterest tears shed over graves are for words left unsaid and deeds left undone.” 4
In the 1960s, during the Vietnam War, Church member Jay Hess, an airman, was shot down over North Vietnam. For two years his family had no idea whether he was dead or alive. His captors in Hanoi eventually allowed him to write home but limited his message to less than 25 words. What would you and I say to our families if we were in the same situation—not having seen them for over two years and not knowing if we would ever see them again? Wanting to provide something his family could recognize as having come from him and also wanting to give them valuable counsel, Brother Hess wrote—and I quote: “These things are important: temple marriage, mission, college. Press on, set goals, write history, take pictures twice a year.” 5
Let us relish life as we live it, find joy in the journey, and share our love with friends and family. One day each of us will run out of tomorrows.
In the book of John in the New Testament, chapter 13, verse 34, the Savior admonishes us, “As I have loved you, … love one another.”
Some of you may be familiar with Thornton Wilder’s classic drama Our Town. If you are, you will remember the town of Grover’s Corners, where the story takes place. In the play Emily Webb dies in childbirth, and we read of the lonely grief of her young husband, George, left with their four-year-old son. Emily does not wish to rest in peace; she wants to experience again the joys of her life. She is granted the privilege of returning to earth and reliving her 12th birthday. At first it is exciting to be young again, but the excitement wears off quickly. The day holds no joy now that Emily knows what is in store for the future. It is unbearably painful to realize how unaware she had been of the meaning and wonder of life while she was alive. Before returning to her resting place, Emily laments, “Do … human beings ever realize life while they live it—every, every minute?”
Our realization of what is most important in life goes hand in hand with gratitude for our blessings.
Said one well-known author: “Both abundance and lack [of abundance] exist simultaneously in our lives, as parallel realities. It is always our conscious choice which secret garden we will tend … when we choose not to focus on what is missing from our lives but are grateful for the abundance that’s present—love, health, family, friends, work, the joys of nature, and personal pursuits that bring us [happiness]—the wasteland of illusion falls away and we experience heaven on earth.” 6
In the Doctrine and Covenants, section 88, verse 33, we are told: “For what doth it profit a man if a gift is bestowed upon him, and he receive not the gift? Behold, he rejoices not in that which is given unto him, neither rejoices in him who is the giver of the gift.”
The ancient Roman philosopher Horace admonished, “Whatever hour God has blessed you with, take it with grateful hand, nor postpone your joys from year to year, so that in whatever place you have been, you may say that you have lived happily.”
Many years ago I was touched by the story of Borghild Dahl. She was born in Minnesota in 1890 of Norwegian parents and from her early years suffered severely impaired vision. She had a tremendous desire to participate in everyday life despite her handicap and, through sheer determination, succeeded in nearly everything she undertook. Against the advice of educators, who felt her handicap was too great, she attended college, receiving her bachelor of arts degree from the University of Minnesota. She later studied at Columbia University and the University of Oslo. She eventually became the principal of eight schools in western Minnesota and North Dakota.
She wrote the following in one of the 17 books she authored: “I had only one eye, and it was so covered with dense scars that I had to do all my seeing through one small opening in the left of the eye. I could see a book only by holding it up close to my face and by straining my one eye as hard as I could to the left.” 7
Miraculously, in 1943—when she was over 50 years old—a revolutionary procedure was developed which finally restored to her much of the sight she had been without for so long. A new and exciting world opened up before her. She took great pleasure in the small things most of us take for granted, such as watching a bird in flight, noticing the light reflected in the bubbles of her dishwater, or observing the phases of the moon each night. She closed one of her books with these words: “Dear … Father in heaven, I thank Thee. I thank Thee.” 8
Borghild Dahl, both before and after her sight was restored, was filled with gratitude for her blessings.
In 1982, two years before she died, at the age of 92 her last book was published. Its title: Happy All My Life. Her attitude of thankfulness enabled her to appreciate her blessings and to live a full and rich life despite her challenges.
In 1 Thessalonians in the New Testament, chapter 5, verse 18, we are told by the Apostle Paul, “In every thing give thanks: for this is the will of God.”
Recall with me the account of the 10 lepers:
“And as [Jesus] entered into a certain village, there met him ten men that were lepers, which stood afar off:
“And they lifted up their voices, and said, Jesus, Master, have mercy on us.
“And when he saw them, he said unto them, Go shew yourselves unto the priests. And it came to pass, that, as they went, they were cleansed.
“And one of them, when he saw that he was healed, turned back, and with a loud voice glorified God,
“And fell down on his face at his feet, giving him thanks: and he was a Samaritan.
“And Jesus answering said, Were there not ten cleansed? but where are the nine?
“There are not found that returned to give glory to God, save this stranger.” 9
Said the Lord in a revelation given through the Prophet Joseph Smith, “In nothing doth man offend God, or against none is his wrath kindled, save those who confess not his hand in all things.” 10 May we be found among those who give our thanks to our Heavenly Father. If ingratitude be numbered among the serious sins, then gratitude takes its place among the noblest of virtues.
Despite the changes which come into our lives and with gratitude in our hearts, may we fill our days—as much as we can—with those things which matter most. May we cherish those we hold dear and express our love to them in word and in deed.
In closing, I pray that all of us will reflect gratitude for our Lord and Savior, Jesus Christ. His glorious gospel provides answers to life’s greatest questions: Where did we come from? Why are we here? Where does my spirit go when I die?
He taught us how to pray. He taught us how to serve. He taught us how to live. His life is a legacy of love. The sick He healed; the downtrodden He lifted; the sinner He saved.
The time came when He stood alone. Some Apostles doubted; one betrayed Him. The Roman soldiers pierced His side. The angry mob took His life. There yet rings from Golgotha’s hill His compassionate words, “Father, forgive them; for they know not what they do.” 11
Earlier, perhaps perceiving the culmination of His earthly mission, He spoke the lament, “Foxes have holes, and the birds of the air have nests; but the Son of man hath not where to lay his head.” 12 “No room in the inn” 13 was not a singular expression of rejection—just the first. Yet He invites you and me to receive Him. “Behold, I stand at the door, and knock: if any man hear my voice, and open the door, I will come in to him, and will sup with him, and he with me.” 14
Who was this Man of sorrows, acquainted with grief? Who is the King of glory, this Lord of hosts? He is our Master. He is our Savior. He is the Son of God. He is the Author of our Salvation. He beckons, “Follow me.” 15 He instructs, “Go, and do thou likewise.” 16 He pleads, “Keep my commandments.” 17
Let us follow Him. Let us emulate His example. Let us obey His word. By so doing, we give to Him the divine gift of gratitude.
Brothers and sisters, my sincere prayer is that we may adapt to the changes in our lives, that we may realize what is most important, that we may express our gratitude always and thus find joy in the journey. In the name of Jesus Christ, amen.
Monday, May 16, 2011
Modesty.
A while back my sweet friend Heidi posted about this book. She has 2 young daughters and has made modesty an important part of their life. We need more mom's like her. I couldn't help but order the book. Modesty is a subject that I don't think is taken to heart enough. It seems like the mind set is, Well, when my girls go to the temple then they have the rest of their life to dress modestly. Well, I think that's the wrong approach. Why? And what gives me the authority to mention it? Well, I have no authority, But I do have experience. As a teenager I was the DEVIL. Seriously. I was the girl that hid shorts that were too short or shirts without sleeves in my purse and changed when I left the house. Bless my parents hearts they did everything they could to teach me correct principles and when I was too thick headed to listen they tried everything else. I remember my dad cutting up my FAVORITE white V neck shirt because it was too low cut. Thanks Dad for being a courageous parent and doing what was right, not trying to be my best friend. But when I got married and went to the temple it was a shock for me. I seriously had to buy a new wardrobe. I had nothing appropriate, and it made me resent the standards of the gospel a little bit. Instead of being able to focus on the blessings, I was focused on how many of my cute clothes I couldn't wear anymore. If I allowed this to happen to my daughter because I wanted to have her acceptance, or be her friend, or vicariously wear cute things I can't anymore through her, I would be doing her a disservice and not doing what heavenly father expected of me when he entrusted me to be a parent. Why are we afraid to hurt our children's feelings? They will still love us. Yesterday we got a special little package in the mail for Lala. Mike and I noticed that on some of her shirts the arm holes were cut a little too big, and thought that they needed a little undershirt. So we ordered these cute little down east undershirts in a few colors.
Our standards are probably a bit more strict than what others would consider necessary for a 3 year old, {Shirts with sleeves, not too tight, skirts and shorts and dresses to the knees, one piece swim suits.} But she will never know the difference. I can't keep her from choosing to dress the way she wants, when she is older, But I can let her know what I expect and what the Lord expects. And help her gain a testimony that her body is a temple. One of the greatest blessings she has been given. And help her to know and understand WHY she dresses modestly, and help her gain a desire to. To teach her to be confident in who she is, So that she doesn't think she needs to show off her body to get attention. To teach her that the boys she would attract dressing that way, aren't the boys that will treat her with respect, And aren't the boys that she would want to date. I can teach her by my example.
I told Mike I don't care how much it costs to get her cute modest clothes, I still want her to be confident and LOVE clothing and fashion, I DO, and I make it work. You don't have to be frumpy and gross to dress modestly.
Our standards are probably a bit more strict than what others would consider necessary for a 3 year old, {Shirts with sleeves, not too tight, skirts and shorts and dresses to the knees, one piece swim suits.} But she will never know the difference. I can't keep her from choosing to dress the way she wants, when she is older, But I can let her know what I expect and what the Lord expects. And help her gain a testimony that her body is a temple. One of the greatest blessings she has been given. And help her to know and understand WHY she dresses modestly, and help her gain a desire to. To teach her to be confident in who she is, So that she doesn't think she needs to show off her body to get attention. To teach her that the boys she would attract dressing that way, aren't the boys that will treat her with respect, And aren't the boys that she would want to date. I can teach her by my example.
I told Mike I don't care how much it costs to get her cute modest clothes, I still want her to be confident and LOVE clothing and fashion, I DO, and I make it work. You don't have to be frumpy and gross to dress modestly.
Saturday, May 14, 2011
My List...
Oh man, Today has been a morning already. As I sit here drinking my enormous mug of hot coco and whipped cream, {Yes, I know it's not winter, I'm pregnant, I can do whatever I want,} My sweet beautiful little girl crawls up to me, I pick her up to cuddle her, and the smell of her makes my stomach churn. So excuse me while I change a diaper... Okay, now that that's taken care of,
I've been Going over my list of things my family needs to really have our house "in order." Here's my ongoing list...
First let me back up... we are limited to some of the tings we can get until we move to our "permanent" house. Here's a picture of my dream house... Is it wrong to pray that nobody else can buy it? I know that whatever house the lord prepares for us is the right house, But I'm really hoping he has the same house in mind that I do ;) It's much more affordable than it looks, I promise.
Okay so on to the list...
A generator. We can't get this bad boy until we move to our permanent house, because it has to be wired to the house. My parents In Utah have one, and it was always so cool to have power when the entire neighborhood had a power outage. Everyone wanted to be at our house. It was great for storms!
I figure while we live in our townhouse I may as well try to grow something before we move and I attempt a real garden. I've been know to kill a few plants in my day. {And by a few, I mean all of them I've ever tried to take care of}
A Nutrimill wheat grinder. My mom has one I can use if needs be, So this isn't as much of a priority as some other things. But we do intend to purchase our own. There are just other things that the money would more wisely be spent on right now.
Emergency seeds. You know for after I know how to keep a garden alive and in case a famine or drought. It could happen! sometimes crops fail, and thats why food prices go up. I'm not crazy and I don't think the world is ending. I just want to make sure that if something happened to mike and we lost our income for a while we'd still be able to eat.
And here's my list of food that I will add to every month.
And I totally have a dream of when we move to have a storage room. You know somewhere to keep all of our canned foods and extra toilet paper and paper towels, and toiletries, and boxes of organic natural mac n cheese! {I remember as a kid running down to the basement and getting mac n cheese that's why I add that} I'm not talking hoarder or extreme couponing style, I'm just thinking it would be nice to have to run downstairs and get toothpaste if were out in the bathroom, instead of the store.
I've been Going over my list of things my family needs to really have our house "in order." Here's my ongoing list...
First let me back up... we are limited to some of the tings we can get until we move to our "permanent" house. Here's a picture of my dream house... Is it wrong to pray that nobody else can buy it? I know that whatever house the lord prepares for us is the right house, But I'm really hoping he has the same house in mind that I do ;) It's much more affordable than it looks, I promise.
Okay so on to the list...
A generator. We can't get this bad boy until we move to our permanent house, because it has to be wired to the house. My parents In Utah have one, and it was always so cool to have power when the entire neighborhood had a power outage. Everyone wanted to be at our house. It was great for storms!
- A chest freezer, And a food saver to fill my freezer with yummy pre made dinners. I remember growing up, I spent a lot of time at my grandparents house, {My mom and I lived with them for a while} But we could always run out to the garage and get food out of the freezer. Or my grandma would send us out to get something she needed for dinner. come to think of it, I never realized it, but My grandma was the poster child for provident living, freezer was always full, she had a store room will all kinds of canned foods in her basement, and always had berry bushes and a beautiful garden in the back yard, that we would steal strawberries and radishes from.
I figure while we live in our townhouse I may as well try to grow something before we move and I attempt a real garden. I've been know to kill a few plants in my day. {And by a few, I mean all of them I've ever tried to take care of}
A Nutrimill wheat grinder. My mom has one I can use if needs be, So this isn't as much of a priority as some other things. But we do intend to purchase our own. There are just other things that the money would more wisely be spent on right now.
Emergency seeds. You know for after I know how to keep a garden alive and in case a famine or drought. It could happen! sometimes crops fail, and thats why food prices go up. I'm not crazy and I don't think the world is ending. I just want to make sure that if something happened to mike and we lost our income for a while we'd still be able to eat.
And here's my list of food that I will add to every month.
- Honey
- butter powder
- soup mixes
- peanut butter in bulk
- vegtable oil in bulk
- shortening powder
- sugar
- baking powder
- baking soda
And I totally have a dream of when we move to have a storage room. You know somewhere to keep all of our canned foods and extra toilet paper and paper towels, and toiletries, and boxes of organic natural mac n cheese! {I remember as a kid running down to the basement and getting mac n cheese that's why I add that} I'm not talking hoarder or extreme couponing style, I'm just thinking it would be nice to have to run downstairs and get toothpaste if were out in the bathroom, instead of the store.

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