Last night was not a good night for our poor chickens. We believe that a mink got into the coop. The two eggs that I had left in the nesting box were gone without a trace and one of our chickens was murdered. It is a sad day in our house. Even though we know that these chickens are animals and not "pets" we treat them with love and care. Of course the Mr. is out of town this week for work so I'm left to deal with the mess and the kids. We will all survive and until we come up with a good plan the chickens are going to be on lock down at night. I hate to fence in our chickens in a small area, but I'm not sure if letting them roam in our fenced in backyard/ravine is safe. We see a coyote on a weekly basis, hawks circle daily, raccoons live in the trees, and now minks have moved into the area as well. I hate to take their freedom and happiness away to save their lives but I'm not sure what else to do.

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Have you ever wondering what you are supposed to be doing with your life? Do you feel like your current job is not satisfying? Still trying to figure out what to go to college for? Are you really called to be at home with your kids? Did you miss God's calling? If you answered yes to any of these questions you need to get this book!

Max Lucado does a great job exploring God's word while helping you to personally self explore your true talents and callings. He continually reminds the reader that God had a unique plan for all of us. No two are a like. I personally found that I needed to stop and reflect at the end of each section. Lucado pushes you to reflect on your past to help you find yourself in the future. This book helped me to have a better understanding of the way I'm wired and brought more peace to my life decisions.

This book is a great read for any christian. I don't think that you can be to young or to old gain some wonderful insight into the God's will for you.

This book was provided by BookSneeze.com in exchange for the review. No other compensation was received and the opinion stated above is my own.

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Maybe your family was like ours this spring break. We dreamed of taking the kids some place warm, fun and south. The reality is that our priorities dictate how we spend our money. Our big dreams will have to wait one more year. Instead we drove north about 5 hours to Boyne Mountain and spent several days having fun at the indoor water park, eating dinner at restaurants, and enjoying a great view of the greened up ski slopes out our window. In the end we all had a great time and enjoyed our vacation. I would have to guess that the kids didn't even realize that they had missed anything since there was tears shed when we had to leave the resort. All of this was done on less then $650 including all our meals, gas, tips, etc. I'm sure that was just a fraction of what our dream vacation would have cost.

As we got back to normal life this week I was happy with what we had done with our vacation time and money. In fact, I'm still very much at peace with the decision as I write this. However, I wonder how many people feel the same after they get back from their more expensive vacations. They might not verbalize it and maybe it really just doesn't click in their minds that they just set their priorities by how they spend their money.

Here is what I mean. Since being back in town and having kids back in school I've been able to hear about a what everyone did for their spring breaks. After hearing the first 5 I started to notice a trend. A really sad trend. Here are my observations.


The Big Vacation Families~

• Have larger incomes
  
• Live in the high end neighborhoods
• Kids are in tons of sports, lessons, etc
• Always wearing brand new name brand clothes
• Newer high end cars
  
• Have pulled their kids out of the Catholic school or are planning on doing it in the coming years because of the expense
• More likely to be doing the high exposure volunteer work and monetary donations, less likely to be fully tithing
  

The Small to No Vacation Families~

• Modest income
• Living in lower middle class neighborhoods
• Kids are each in one or two less expensive activities
• Kids usually have second hand clothes that are not name brands
• Older vehicles
  
• They have made it clear that they will send their kids to the Catholic school no matter the cost because they believe it's the best thing they could ever do for their kids
• Less likely to do the showy volunteer work and monetary donations, more likely to be fully tithing

I find it interesting to look over these two lists and see the differences. It really shows you that no matter how much you make YOU need to set your own values and priorities. YOU need to make a written plan and stick to it. MONEY is not what stops you from reaching your goal, YOU are what's stopping YOU from reaching your goal.

If you feel it's important for your children to receive a non-public school education then you have to sacrifice other wants. If you want to stay at home full-time with your little ones you have to sacrifice other "stuff" to reach that goal. In either situation your goals are obtainable no matter what your income. It is a matter of self control and stopping the desire to keep up with the Joneses. Let me tell you, they are broke and their kids are spoiled brats. That's not what you want for your family is it?

Don't get me wrong, I'm okay with you taking a nice vacation with your family. We have done it before and we will do it again when we can pay for it in cash that doesn't come our of our kid's tuition savings. The point is that you can't tell me that the private school tuition (which is really not that much) is too expensive when you make more then double what our household makes. Instead of telling people a lie, tell them the truth. You set your families priorities and you decided that sending your kids to the Catholic school was not a top priority.

Sorry if I offended anyone, but I really do get sick of hearing about grand vacations over every break just to have the same people pull their kids from the school or complain about the tuition. As I stated above, there are always a few exceptions and these are just my personal observations. And before you say this in the comments, no I'm not jealous because there is nothing to be jealous about.

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We have made it no secret that we are not fans of the current FICO scoring process. But what do you do about it? How can you change the industry standard? Well ladies and gentlemen, this might be our one chance to make a difference. Here is my plan and how it came about.

I live in Michigan and have been know to write letters via email to my elected officials. Even if I'm confident it will land on deaf ears at least I know that I tried my best. These emails have added me to all of my reps. mass emailing lists so I get to hear what issues they are working on. Today I received an update email from Senator Levin discussing the Financial Crisis investigation hearings he is helping to conduct. In the email he talks about the next three hearings. One of them is for the credit rating agencies.

This got me thinking. What if Senator Levin's office received lots of emails and phone calls from Americans who felt that the current FICO score was inherently bad? Would it make a difference? Would it shed some light on the problem? Well, there is only one way to find out.

Let's let his office know that we are sick of the FICO score games. We want to be judged fairly and accurately. Below is a copy of the email I sent Senator Levin's office today. Feel free to use my text or to create your own message. To contact Senator Levin click on this link. Then select "position on an issue" followed by "economy/taxes". If you happen to have a senator from your state on this subcommittee please send the same message to your senator.

Dear Senator Levin,

I received your email entitled "My Hearings Investigating the Financial Crisis‏". I found both your email and your statement very insightful. I was also glad to see that there are three more hearings in which you will look at others who had a role in the Crisis, especially the credit rating agencies.

The current FICO scoring criteria forces consumers into making poor financial decisions if they want to maintain a high FICO score. This is extremely dangerous for families and our country’s economy. The reason it is so dangerous is that it does not take into account four key factors: income, savings, investments, and net worth. How could you honestly say that someone is able to pay back a car loan, mortgage or monthly rent if you don't take into account these four factors. Instead the score is solely based on 5 debt factors. This forces consumers to stay in enough debt that it keeps them from ever being able to live beyond paycheck to paycheck.

Senator Levin, I strongly urge you to consider the ramifications of allowing the credit rating industry to continue to abuse the American people. The formulas that they use to judge one's ability to pay their bills are in need of reform. They need to be based on the person’s entire financial picture not just their current debt load. If properly restructured it would encourage Americans to be wiser with their money. This would help to prevent another financial crisis.

Thank you for taking my opinion into account.

Sincerely,
Mrs. Not the Jet Set

I would also welcome other bloggers to link back to this post and non-bloggers to feel free to email this to like minded people. Let's make a difference!

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Life is full of scary things. Even as an adult there are just somethings that seem scary. One of the biggest ones for me was taking the plunge to stay home full time with my kids. Just the thought brought so many scary ideas to my head. What if the Mr. lost his job? What if we can't live on less then half our current income? What if I want to go back to work but can't because I've been out of my field to long? Even with all those scary thoughts running through my mind all's I could think about is how different life would be if I could just stay home with my babies. If I could just be there for when they needed me. If I didn't have to miss all of their firsts. Needless to say, my motherly instinct kicked in and I kicked my fears to the curb.

We have successfully lived on my husbands income for over 3 years now. It has been one of the best decisions that we ever made. However, if we had not carefully planned it out it could have been the nightmare I feared.

Here are ten steps to take the fear out of living on one income.

1. Plan ahead of time- Like most things in life it takes time to work out all the kinks in the plan. On average it takes 6 to 12 months to fully implement the changes and take the plunge.
2. Unified Dream- The most important key to making this dream happen for your family it to make sure that you and your spouse are both on the same page. It truly takes a team effort to cut the expenses and make such a drastic lifestyle change. If you spouse is not on board then it's not going to work no matter how hard you try.
3. Evaluate- Take a hard look at why you want to stay home. Is it because you want to be there for your kids 24/7 or is it because you really just don't want to be at work. If your reasoning is more on the job side then you might just need to find a new job or career.
   
4. Make the cuts- This is the toughest step. It's time to sit down and make the cuts. Looking at your budget together as a couple you need to decide what stays and what goes. Vacations, kids sports, new clothing, and eating out are the main things that go when you start to make the harsh cuts. It's important to do some practice budgets on paper to make sure that the math will add up.
   
5. Have a plan- What are you going to do at home all day? LOL, It's never boring around our house but I have friends who could not handle the "isolation" of staying at home. Make sure you have a plan for your time. Think about what you can do at home to save your family money (coupon clipping, sewing, gardening, garage saling, etc) as well as ways to get out of the house with your kids (story hour and play groups) during the day.
6. Support Network- This might sound odd to some people, but its a sad fact of life. Not all working moms will want to continue your friendship. Everyone has their own reasons, but a lot of times your working friends will fade away or you will want them to because of their criticism. Make sure that you start to surround yourself with people who support your decision. It will make your life much easier once you take the plunge.
7. Check into the Details- Double check things like health insurance, taxes, investments. All of them will change as your jobs and income levels change. Make sure to include these changes in your practice budget.
   
8. Debt Free- Some people are going to say that this is not required but in my book it is. It's hard enough to work your way out of debt with two incomes, do you really want to try to do it on half the amount you were living on? Unless you did the math and you were losing money by working, focus on getting out of debt so that you can realize your true dream. It will help you to become gazelle intense when you realize that the debt is keeping you from your kids.
   
9. Emergency Fund- Before you turn in your notice at work make sure that you have a fully funded emergency fund. It will help you to enjoy being home with the kids. If you don't have one you will be constantly worried about things like hubby losing his job, a major car breakdown or a house fire.
   
10. Trial Run- You have done it. You have walked through the first 9 steps and now it's time to give it a try. Minus childcare expenses and other expenses that you are incurring solely because you work sock away the rest of your income in a savings account. Test it out to see if you can really life on just one income for 3+ months while saving the rest. If you can do it then you are ready to make the switch. If not, then you need to take a hard look at why it's not working for you and make some adjustments to the plan.
    

These ten steps might seem tough but they will pay off big time in the long run. The day you get to stay home with your kids will be pure joy without fear weighing you down.

Does your family live on one income? What advise do you have for a family thinking about taking the scary plunge?

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It's hard to believe that the first quarter of the year just came to an end. Time flies at our house. We try hard to run out house like a well oiled corporation so along with setting annual goals and monthly budgets we also do reviews of each at the end of every month/quarter. How did we do with our goals during this quarter? Our 2010 goals are well on track!

Here is how we are doing on our goals for 2010.

Goal 1: Spend more time as a family. Check! Some weeks we have more then others but over all we are spending a lot more quality time with the girls and it shows. Everyone is happier as we bond as a family. I'm sure that the dividends from the time spent with them will continue to pay off as they get older and more independent.

Goal 2: Eat healthy, organic, and local. Check! We have been mostly living off our freezers and canning shelves full of preserved local foods. We even took a cheesemaking class and tapped our own maple trees this quarter! Just a couple days ago I started planting some early spring crops in the garden. I'm hoping that our garden will be able to help us stay on budget will staying healthy, organic, and local.

Goal 3: Save for a car. Check! We were able to start funding the car fund this quarter. It's exciting to think that we will be able to get a newer vehicle (specifically an SUV w/3 rows) in the near future. So far we have apx. $4k saved. Which is great since the car we are replacing rolled past 100k miles this quarter.

Goal 4: Have some fun money. No Check. I hate to say this but we have not been able to add the fun back into the budget yet. We have a couple large projects that need to be funded this summer like painting our house and some other smaller projects are that "have" to be completed during our short Michigan summer. Maybe by the third quarter we can have some slush money.

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My number one tip for keeping your house clutter free and saving money is not to buy stuff. I do understand that there are times when you need (or really want) something temporarily. That is when you call on your friends, neighbors and family.

There is a right and a wrong way to borrow. If done right you will be able to continue to borrow from your friend. If done wrong you have not only lost a source for borrowing items but you could potentially damage your relationship.

Here are some guidelines for successful borrowing.

• Ask Nicely~ When you call the person to ask to borrow the item let them know what you are going to do with it, when you need it and when you will return it. And yes, do say please and thank you.
  
• Set Return Time~It's important to let them know how long you will borrow the item for. This helps to re-assure them that you will in fact return the borrowed item.
  
• Return Condition~ To help show your appreciation return the item in better condition if possible. Wash it, fill it with fuel, or what ever you can do to help maintain the item.
  
• Keep Your Word~ Just do as you said you would. Return the item on time or ask to keep it longer with an explanation as to why you need it longer.
  
• Say Thanks~ Depending on the items value it could be a simple thank you email or a homemade pie.
• Limits~ If you find you keep borrowing the same thing from the same person you might want to consider buying it. It might end up being a wise investment instead of more unused clutter.
  
• Return the Favor~ Let them know that they are welcome to borrow items from you as well.
  

With these six simple rules you will master the art of borrowing.

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I'm excited to be my baby nephews Godmother. In just a couple weeks we will be so blessed to be able to take part in his baptism. I wanted to give him something special for the occasion but struggled about what to give him. I wanted something useful, not clutter. It also had to be related to his baptism in some way since that was what the gift was for.

Then it happened. I received the Catholic Company's catalog in the mail. Of course they had the perfect solution! The My Baptism Book.



Sophie Piper and Dubravka Kolanovic did a wonderful job creating a book that is filled to the brim with spirit filled poems, short stories and quotes from scripture. The illustrations are so adorable that any child would love them. I can see my sister reading the little stories to him at bedtime.

If you are in need of Baptism gift for under $20 this is it. This book does not appear to be for Catholic's only. There are no Catholic specific writings in the book from what I could see.

No one sponsored this book review. If you are interested in having a book review done by either myself or Mr. NtJS please contact us. We are always looking for good books!

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