I have decided to leave my Patriotic music up in running and will do so until our Presidential Election. As morale for the American Public is slightly low, I wanted something to help us reflect on what our Founding Fathers based this country on so many years ago. My decision won't be based on words freely spoke, but on actions that deserve my vote. I will vote based on the Love of my country as well as it's people and for those who freely fight to keep me safe. While I don't enjoy war with anyone, including the innocent, I also want to be sure those who are fighting for my freedom and their families are kept safe. Thats where my vote and that of other Americans is most important. Please Join me in prayer for my country as we embark on hard decisions and fight for the freedoms and privledges set by our Founding Fathers and fought so bravely over the years by American Soldiers. I pray also for friends and family of other soldiers from other countries who also fight for the freedoms of their countries. In God may we ALL trust! Love to each and every one of you no matter what country your from. ~Rebekah
***Citizens For Affordable Energy***
Wednesday, July 16, 2008
Posted in Financial Stewardship
Please take a look at THIS video from John D. Hofmeister President/Shell Oil Company. He's started Citizens for Affordable Energy and plans to advocate for Energy Independence, education, Good Stewardship and also alternative types good for the environment too. Please check it out and think about joining the cause to STOP depending on other Countries for our Energy. Check out His thoughts below:
our Vision is: "Establish national energy security strategy to deliver affordable short, medium and long-term environmentally conscious energy solutions for America."
Our Mission :
Citizens for Affordable Energy will educate the public and its leaders about energy, its uses and implications, its basic contribution to American competitiveness, and its critical role in life style choices. It will advocate increasing the supplies of all types of energy within the U.S.; supporting technology and innovation to improve the efficient use of energy; ensuring that the development and distribution of energy is done in environmentally sustainable ways; and promoting the development of the physical and regulatory infrastructure needed to deliver more energy to consumers.
We are now working on how best to articulate and communicate more broadly what we will call simply our "four mores" in the coming months and years: more energy, more efficiency, more environmental stewardship and more infrastructure.
We will detail how we will operate, educate and advocate so that we offer non-partisan solutions instead of partisan paralysis, hope rather than cynicism, and action rather than argument.
John D. Hofmeister
Founder and CEO
Citizens for Affordable Energy
Sign up for more information as His "Not for Profit Incorporation" comes together in the next several months.
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*** Drill, Drill, Drill!! Contact Your Local Congressman and Help Your Nation ***
Wednesday, June 18, 2008
Posted in Financial Stewardship
Rep. Peterson: Congress needs to wake-up and Increase Domestic Energy Production! Find The article here
Drill Drill Drill!! We need to Stop Relying on other nations to give us what we Americans have on our own soil! Contact YOUR local Congressman and let him know we're sick of Congress and the President of the United States playing games with OUR livelyhood. This should cross party lines and become a PRIORITY for Americans who'll pay in their heat & electric this year, as well as food shortages from those high costs as the storms persist, high cost of food and products which depend upon our Truckers, etc. Enough Ethynol production that drives UP the cost of the grains we need to feed our nation as a whole!! Enough playing around between Republicans and Democrats on what, when, why, where, and HOW we'll fix our economy and this High cost of oil when we have it HERE...We The People make this country what it is!! We the people need to STOP sitting and waiting, and start BECOMING members of this country by making our voices heard. Contact your local state and governmental officials and Voice your right that our Founding Fathers have given you!! Yet again, Nancy Peloci and our president, have decided to play games with the bill that could help us drive the cost of oil at a hault and find other measures that over time, will help us find alternative ways to deal with this growing concern, yet our Government won't get outa the way! Once again, Make your voices heard....get that bill off the "hold" and make them act on OUR behalf!
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*** Tell Your Senators to VOTE NO! On Hidden Taxes. Sign the Petition and Get Your Voice Heard!! ***
Friday, June 6, 2008
Posted in Financial Stewardship
Right now, the Senate is considering “cap-and-trade” energy legislation that will attempt to limit greenhouse gas emissions, principally carbon dioxide, and establish a trading system for emissions allowances. But in reality, this legislation will place severe regulatory burdens on domestic industry, impede trade, and harm our nation’s economy.
Introduced by Sens. Joe Lieberman (I-Conn.) and John Warner (R-Va.), the Climate Security Act is nothing more than a hidden tax that would raise costs on energy use by $1.2 trillion by 2018! These higher costs would severely undermine the nation’s ability to attract business and capital, while at the same time draining household budgets by increasing gas and electric bills for American families.
The Climate Security Act will also create an army of new bureaucrats by requiring the Environmental Protection Agency to establish a greenhouse gas (GHG) registry, create a GHG emission allowance transfer system, and set emission allowances for 2012-2050. New agencies that the legislation would create include the Climate Change Credit Corporation, which will auction emission allowances, and the Carbon Market Efficiency Board, which will observe and report on the national GHG emission market.
This dramatic expansion of government will eventually dictate every aspect of commercial and individual energy use. Ultimately, the cap-and-trade system will be open to manipulation and corruption, with politicians and bureaucrats picking winners and losers in the energy market.
Some argue that cap-and-trade is environmentalism. But this kind of environmentalism is nothing more than an elite command-and-control system that will kill prosperity!
Say NO! To Hidden Taxes. Sign the Petition Here and tell YOUR Senators NOW!
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***A Pondering Heart Giveaway***
Thursday, May 29, 2008
Posted in Financial StewardshipJocelyn is having a Pondur me giveaway at her home blog A Pondering Heart.
Pondur offers infant creepers and lap tees that are 100% Certified Organic cotton with low impact dyes and printed with water-based ink. The inside is tagless and the back says “pondür”. The creepers and tees come in four different prints and colours.
Check Out her blog for further details!
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*** Free Iced Coffee Day At Dunkin Donuts ***
Wednesday, May 7, 2008
Posted in Financial Stewardship
Wanted to Announce the Free Iced Coffee Day at Dunkin Donuts. Find a Participating location near you HERE
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***Furnishing Your Home Economically***
Tuesday, March 4, 2008
Posted in Financial Stewardship
The pictures you see are somewhat blurry, They don't do justice to what we've just seen. These pieces are in EXCELLENT used condition. Totally a gift from God.
Today we just traveled about an hour away to look at living area furniture that I found on Craigs List at a STEAL. It is SO beautiful, comfy and so economical for what we're looking for. They are almost in NEW condition and will fit nicely into our living room where guests will sit and be served when they come to visit us.
Can you believe that we bought the ensemble for 400.00? By the time we rent a Ryder Van, we'll have paid 500.00 but the total will STILL be economical, as couches alone can be bought for at least 600.00. We have purchased a couch, loveseat and a chair all for the price of 500.00 TOTAL.
I am SO excited with this find. God really prepared us for the future during a time when we were struggling to make ends meet. We learned how to budget, save, and find deals. While we aren't living paycheck to paycheck anymore, I find that we are more aware of our purchases and strive to live below our means.
Some may think buying a slightly used piece of furniture is disgusting, but if we look at Gods will for our finances, we'll find that utilizing whats already here and being careful with the money He DOES give us is His teaching for good stewardship.
I've contimplated splurging for a new dining set as well, we need a table for our home, it was just the two of us, but now there will be wee little ones, and I really do believe we need to teach manners and have good communication as a family. Anyways, I've decided to hold off on the purchase and save for awhile until something really hits me. The thought of spending 1200.00 on furniture for only one room makes me cringe, who knows, maybe I'll find a beautiful farmhouse table and chairs on craigslist as I found our living room furniture and the crib/dresser set.
God is good, HIS hearts desire becomes OUR hearts desire. Psalm 37:4 Serving Him and taking care of our finances that He's blessed us with and that our husbands work so hard for, is one way to give Glory to our Heavenly Father who takes care of us.
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***High Yield Savings Accounts *** KNOW Your Options!
Friday, February 22, 2008
Posted in Financial Stewardship
One of Dave Ramsey's big tips is to start an EMERGENCY fund Right away once you have paid your necessities and BEFORE you pay your debts. You MUST have at least 500.00 to start your emergency fund if you make below 20k, and anything above a starting emergency fund of 1000.00.
Once you have funded your basic emergency fund, you then follow through with His debt snowball plan. Once your debt snowball plan is put into action and your paying your debts, you will fully fund your basic emergency savings into a 3-6 month emergency fund.
Why would you want to save that much you say? Well, what happens if you find your husband has been laid off from work and your a stay at home mom with children to provide for? How bout if something comes up with housing issues, or home repairs or what if your child or husband were to be sick and needed medical attention and tests that weren't covered? Why, you would already have money set aside to cover and that Emergency Fund is a whole lot better and much relief when you have it, then when you don't know where the money is going to come from. You'd be able to spend more time dealing with whats important, than worrying about money issues.
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***Teaching Your Children Basic Financial Principals***
Saturday, February 16, 2008
Posted in Financial Stewardship
They even have a church program for teens.
Nows the time to start when they are young enough to do chores or before they graduate and move on to college where they will have the freedom to spend without mom and dad being around.
Financial peace Jr., Teens and Kids.
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***Repost*** KNOW YOUR CREDIT REPORT!!!
Friday, February 15, 2008
Posted in Financial StewardshipRepost from 2007
I have just found 3 errors in dougs credit report. I praise
ALL 3 are from hospital claims that were triple claimed. Basically fraudulant claims MANY times over. How do I know? Our insurance company sends claims to me and I have access to the claims 24/7 online. I've looked up the claims and have found what the insurance company has paid out and what I have left to pay....which isn't all that much. Lets say out of 2000.00 worth of medical procedures I've had, we've only had to pay 25.00 and somehow on dougs records he's being charges 3 times for each of the three bills adding to triple that amount.
I noticed this and called the Insurance company who is sending me the "Official" claims via snailmail and I am disputing dougs credit report as we speak.
This happens FAR too often....PLEASE make sure you check your credit reports. Credit reports are FREE through AnnualCreditReport One for each company. Thats right. One free credit report PER company.
The financial class I attended, teaches NOT to use each one at the same time period, but spreading them out within the year. Like every four months or so. That way you can see if anyones Tampering with your account, or if there are things on your account to dispute.
Don't forget to Opt Out of getting direct mail marketing for pre-approved credit card offers and unwanted telemarketers at 1-888-567-8688
You must also write the addresses below to continue not receiving the mails or you will be bombarded with mailings again:
For Direct mailings:
Mail Preferance Service
Direct Marketing Association
PO Box 643, Carmel, NY 15012
For Telemarketing:
Telephone Preference Service
Direct Marketing Association
PO Box 1559, Carmel NY 15012
****Also, be aware that you can dispute wrongful reporting online and they MUST get back to you within 30days of reporting dispute or the Credit Companies MUST take that dispute off your credit report!!
National Do Not Call Registry:1-888-382-1222
or register online National DNCR
Other Useful Links:
OFFtelephone
OFFmailinglist
For future purpose or in case anyone may need this:
* Payment in Full does not remove your payment history. The length of time, information remains in the file is:
Credit & Collections accounts- 7 years, plus 180 days from the date of the origional delinquency.
Courthouse records- 7 years from the date filed,with exception
of Chapter 7 & 11 bankruptcies which
remain for 10 years from filed date.
**** NOTATE that the creditor WILL attempt to extend the 7 years by re-reporting the delinquency. However this violates the Fair Credit Reporting Act and can be challenged as an inaccuracy.
* New York State residents ONLY: Satisfied judgements five years from the date filed; paid collections five years from the date of last activity with origional creditor.
**There may be what appear to be duplicate accounts reported in your credit file. This could be because some credit grantors issue both revolving and installment accounts. Another reason is that when you move, some credit grantors transfer your account to a different location and issue another account number (or some could be like mine, which are truely duplicates from the same medical company...be sure to check your account numbers with your statements. do not take their word for it)
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***Repost*** Be Proactive With Your medical Bills
Tuesday, February 12, 2008
Posted in Financial StewardshipOver the next few weeks, I'll be reposting some important Financial tips we've learned from the past few years. They were origionally posted on my old Blog and I find they will be of use to others who are now in the very spot we were in the past 5 years. These tips can help you as you work towards good Financial Stewardship while also helping you deal with creditors, deep debt, and ways to get rid of it. May our hard lessons help others and may our way towards financial freedom be a testimony to God!
I just felt the need to warn everyone.
You MUST check your medical bills when they come in. EVEN the lab bills! I mentioned several months ago how I caught an overcharge. 3Times the charge before and it was taken off and also several other hospital charges which were put on my husbands credit report as low as 50.00 for not paying (He holds the insurance for both of us) when that too was paid. (The medical establishment along with the credit agency for that are working to write letters to the credit companies to take it off completely.)
The latest medical issue I caught?? I went to my OBGYN had a yearly exam along with an ultrasound of my ovaries because I have Polycystic Ovarian Syndrome, The dr. charged me for the visit, the yearly AND TWO ultrasounds. I had only one. The good thing about my Aetna insurance, is that I can look up a claim activity online any hour of any day to make sure it lines up with what I am billed for.
Needless to say, after going around and around with the billing manager who can only be located a couple days a week in a different LONG DISTANCE office, I decided to talk with the practice manager. I told her I received a bill in the mail for 200.00, but my Aetna Insurance claimed they paid 100 percent and I would only owe 25.00 for the whole bill (my co-insurance).
Want to know what she told me? You had your yearly, then in the middle of your ultrasound, He decided to go 3D. I told her the dr. neither told me nor warned that he was doing the 3D instead, and that it would be billed another 200.00 as if it were done over. Needless to say, with my good skill of looking at my Claim Statements and checking them with what the bills usually state, I saved being overcharged for a procedure I never was told about nor did I approve.
Ladies and gentlemen, regardless of how nice your dr.'s are, YOU need to be pro-active in your own medical care. If you aren't for you and your family, then who else will? Dr.'s are there because it's a business practice, sometimes they throw things in without mentioning there's that added benefit for their own pockets. It's times like those that you wish you had spoken up before you received a bill of over thousands of dollars of treatment that you still may be paying for! Our medical treatment, no matter what we may have....a stomach cramp or something as bad as diabetes or other endochrine issues. If you have an ailment, get on the internet, research treatments and know your body! Know your claim activity as well so it keeps you from being overcharged for something you did not know about nor approved of having. Find out what your insuarnce covers and make sure you have a statement at your dr.'s asking that all treatments be covered under your insurance or otherwise stated in writing for you to approve before ANY treatment. LAB BILLS, this can be critical if your like me and need labwork done every 3-6 months. Don't trust the labs, again they are there to make money. Often, majority of my issues are with Lab Claims that come out, it seems, each lab work comes separately. I have been charged and charged and charged for the same bill....check the account numbers and make sure you staple like charges with the services and dates you had them together. THEN check your Claim statements.
If you take a pro-active role in your healthcare AND your billing process (Remember it's OK to say NO to a dr., you hire them....be direct and also know what your insurance company pays for) then you will be on the road to good healthcare and also good stewardship with the money God has given you. It all correlates together with stewardship if you take a pro-active role.
In the end, I prayed before I even picked up the phone to call. Doug and I prayed last night, then I prayed again before I called the practice manager and by God and only God's grace, the bill was written off! I by no means glorify myself with what I had done. I wouldn't have thought to talk with the practice manager and would have kept getting the run around from someone who only worked part time at another office. I also wouldn't have thought to compare my statement with the bill at this time. As scripture says, " with God on our side, what can man do to us?" TRUST in the Lord to help you through issues as little as a bill. No matter what, He can handle ALL things!
Much love and many blessings to you all.
Rebekah
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Helpful Links to Budgeting and Living on a budget
Friday, February 1, 2008
Posted in Financial StewardshipHelpful Links to Budgeting and Living on a budget
Dave Ramsey's Monthly Cash Flow Plan (BUDGET) with Instructions
The Homestead Kitchen MY FAVORITE site EVER!! Crystal has helped me to budget, while making healthy whole grain breads, cookies and other fruits and veggies. PLEASE take a look. YOU'll NEED LOTSA TIME!! Haha
Hillbilly Housewife THE BEST site to Help you feed your family on a budget!
Pinching your pennies Forum HUGE HELP. Learn to coupon, about how to get things vertually free by learning to coupon, buy sales and get triple savings.
Restaurant.com wanna eat out on a budget? Take a look at local restaurant to save.
Money Dummy a Wealth of Information
Families.com Another money saving couponing site that can show you how to coupon, whats on sale, where to get deals on specific items, etc.
Bargain Share
Fat Wallet All kinds of freebies!! LOVE this site!!
Marmee Dear She has a storefront with lots of learning primer books, however she has several children and has tips and recipes to help. Check out her newest site to mentor other SAHM's and Homemakers called The Homemakers Mentor
Urban Homemaker - how to eat healthy on a budget. This too is a home-store, however there are several AWESOME articles to teach you how to make things yourself.
Making It Home Just something with alot of this and that. It's given me comfort
Debt Proof Living online
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Whoever can be trusted with little, can also be trusted with Much
Wednesday, January 30, 2008
Posted in Financial Stewardship
This time last year my husband and I were in a "valley". Believe it or not, it lasted quite awhile, but we learned more in 2006-07 that would eventually carry on during our time of Harvest in our "New Season".
I grew up not knowing how to balance a checkbook or save. Our first year of marriage ended up in disaster as because of my medical bills and inability to budget, we ended up filing for bankruptcy. I bet your thinking I learned my lesson then eh? Nope! You see, I had no idea about money management and spending had always been my way to cope. Shortly after our bankruptcy I found we had more money to be free with and decided to get back into old spending habits and eventually I knew the associate in William Sonoma by name. I learned to "keep up with the jonses" in church and kept wanting more. The more I spent, the more excitement I felt. 2 years in and I went from spending to one day bouncing a series of checks I hadn't balanced which left us in the poor house for MONTHS.
It was an eye-opener and an embarassment not just to my husband, but to those we needed to pay back. I started to pray hard for God to help me AFTER the fact, and became sad and reclusive when He didn't answer right away.
We ended up utilizing a financial advisor through our church who ended up being my enabler and actually encouraging us to spend more money we couldn't afford by going out to lavishing dinners at our meetings. NOT good when your addicted to spending!
Soon after, I felt a tug on my heart and decided to learn more about couponing and other ways to help us save income. I learned how to cut coupons (simple, but something I didn't often do), sought out grocery stores that doubled and tripled coupons, business who would give out coupons and freebies, free trials, and much more. I was so excited when after a month, we started actually saving LOADS of money! I mean I saved 75.00 in one grocery store with half of my groceries being free. We started taking small rides out to our local restaurants who gave me free coupons and utilized the food pantries and Angel Food Ministries where we purchased 25.00 worth of groceries which fed the two of us for 3 months and a family of four for one month. I learned to supplement brand names for off brands and got rid of high speed cable for the FREE Library. Not to mention the books and music as well as videos we could get there free.
I learned what JOY really was when we found other ways to enjoy fun with each other and excitement when we kept seeing our bank accounts get bigger and bigger.
Doug graduated last spring of 07' and now he makes double the income and we are well on our way to learning what freedom is and what Good Stewardship means to God. After taking the jump to learn responsibility, God gave us more and He FINALLY answered my prayer when He directed us to a course by Dave Ramsey which taught us basic financial principals. While sometimes not everything can be conquered, we strive to be the best stewards we can.
In the upcoming weeks, I plan to share our tricks to saving money. If YOU are in a place that we were last year, feeling depressed and helpless, KNOW that you CAN and WILL get out of debt if YOU take the steps to do so. God will always be there every step of the way even though you may not feel Him there. But WE must take the steps to better our lives and start making the good choices that sometimes we as humans resist. In the end, The valley we went through taught us what we know now so that we could make better choices with what God has given us. He HAS Given us more now that we've taken care of what He's given us.
I leave you with the following Scripture that held me accountable during our sweet "Valley":
"Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much. So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches? And if you have not been trustworthy with someone else's property, who will give you property of your own?
"No servant can serve two masters. Either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve both God and Money." ~Luke 16:10-13
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**New Car**
Wednesday, January 23, 2008
Posted in Financial StewardshipOur Clunker went on us and we had to buy a new car. SO we ended up with a ((drumroll Palease))
2003 Hyundai Santa Fe
Car Ammenities Include
AM/FM Stereo Radio made by Bose
Air Conditioning
Heated Air Purifying System
Alloy Wheels
Body Side Moldings
Carpeting
Center Arm Rest
Clock and calendar
Leather Upholstery with heated seats
Compact Disc Player
Console
Cruise Control
Day/Night Lever
Driver Side Remote Mirror
Driver's Front Airbag
Dual Sport Mirrors
Front Bucket Seats
Gauge Cluster
Interval Wipers
Luggage Rack
Passenger's Front Airbag
Power Brakes
Power Door Locks
Power Steering
Power Windows
Radial Tires
Rear Defroster
Rear Window Wiper
Side Air Bags
Tachometer
Tilt Steering Wheel
Tinted Glass
Trip Odometer
Vanity Mirror
Mirror Entry Garage Access
Automatic Car Starter From Keyless Entry System
We spent a VERY long time at the dealership. I was not about to be beaten! 
We test drove TONS of cars...literally. After the first NEW 2008 car, the salesman RAN in to give us a monthly quote. To say the least, there was NO WAY, I'd even THINK about paying full price on a new vehicle, let alone the 500.00 payments they wanted us to pay. The lowest I could get him to go wasn't in my budget and as I told him, " I'm NOT about to over-stretch our budget for a car".
He quickly RAN to find other cars for us.....Mr. Fencemender and I rested on two...a 2006 Hyundai Sonata with excellent miles and 5 year warranty...but over-priced OR our 2003 Hyundai Santa Fe, which had EXCELLENT mileage, hardly any wear and tare, and to spite it's age, still not only had NYS warranty on it, but also part of the 10 year 100,000 mile warranty on it added with the NYS.
Needless to say, the man DEMANDED that doug would ONLY QUALIFY for the 2006 Sonata that was overpriced. I told him I wasn't interested UNLESS it was a certain price and between a certain payment. So he went from me and looked straight at doug and said, "If we could take the Sonata down from THIS to this would you accept it?" Doug said, you heard my wife!
The whole time I overheard the men saying how whipped Mr. Fencemender was that He let his wife overtake him like that....and What a "lets just say Witch" I was. Funny thing they didn't know however is Doug is the numbers guy and I am definately the more outspoke and more stick to your budget freak:giggle We worked together on this one and I liked that they had absolutely NO IDEA how played they were.
So I looked at the salesman who didn't even give us a quote for the Santa Fe, Told him I wanted a quote and that if we didn't qualify like HE said Mr. Fencemender wouldn't, then it was Gods will for us to walk out that door and use the money we'd use for a downpayment to fix the ol' clunker. HIS FACE DROPPED
So he gives me a quote MORE than he told me in the VERY beginning that the quote would be (this was before he tried to sell us the 2008 Hyundai Elantra). I looked at him and told him, NO you said at such and such a time, The car would be UNDER the specified amount. Irritated he ran to his "supervisor"...back and forth they went with loans ((I KNEW they were messing with time...even Mr. Fencemender said he was getting tired of the "Make us wait game"....where our salesperson kept saying "Oh, I'm praying it goes through...I'm just praying this makes it".
THE BEST PART
So while we're waiting, Mr. Fencemender gets a phone call. It was from a bank....The guy from the bank asked doug about certain questions on his history and he told him that I was sick and majority of the bills were from medical issues pertaining to misdiagnoses of PCOS issues. The bank officer said, What is it YOU could afford? Mr. Fencemender told him and he said, We'll finance you Mr. Fencemender. 
Right as Mr. Fencemender was on the phone with one of the banks, the "manager" says, well, we can't get you the financing you were looking for. WE REALLY want to sell you this car, but your going to have to give n take alittle. (You mean YOUR going to have to take alittle, I thought while listening to him sink deeper and deeper). Can't you just Go above your asking price to THIS? No other bank is willing to give you what your asking.
I laughed right away and the supervisor got :fire with me. He looked at doug who said "Which banks said they'd give us YOUR lowest rates"? Supervisor told us of three. Mr. Fencemender said, "you just interuppted the bank supervisor from such and such who said he would give us our asking price" at the price of the car we asked for and with less interest.
He went downstairs to check and sure enough They had a NEW copy of one of the statements they had with a higher quote.
We had gotten our car for 3000.00 LESS than their lowest price AND our payments were only 40.00 MORE than our lowest price we chose during our budget. We had Several hundred more to work with...but I wanted to work BELOW our means in case of emergencies that Mr. Fencemender and I could work together to pay if we needed to without putting our basic needs on the line.
Even Better.....Gods hand was in it all. I had prayed for DAYS and also went to the ladies bathroom often during the sale to PRAY for Gods provision and to close all doors if we weren't making the right decision.
During that whole time.....doug added his cell phone as the phone to contact him on the contract. IF Mr. Fencemender had put down the home phone number, the bank would have called home, we wouldn't have been there, and we may not have gotten the best price...or maybe even no car at all.
Totally GOD through the whole sale! Right down to Gods protection and guidance through the sale.
AWESOME.
And while I wasn't too thrilled about leather seats (freezing in the winter and sticky in the summer not to mention HOT) The car we ended up buying was the one I had wanted for the past several years but told myself we would NEVER be able to afford. Funny how God works. Even with silly material things, he knows our desires. In my case, I wanted something to keep up with a growing family, our sporty hiking, biking, camping type lifestyle, while still allowing us to have good mileage to the gallon. We got it! Mr. Fencemender is safe with reliable transportation and we can AFFORD the payments. Even our Insurance is cheaper because of the 30% higher safety rating. :thumbsup Lots of room for trips too.
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GIVEAWAY....
Wednesday, December 19, 2007
Posted in Financial Stewardship
Amy Jo over at "Lovin our Large Family" is holding a Giveaway until Wed. Dec. 26th. for Dave Ramsey's Total Money Makeover .
My husband Doug and I took His Financial Peace University course at a local church in Ohio when we were there. These concepts are a way of LIFE. It saved my marriage. I went from never learning how to balance a checkbook or having a savings to almost being debt free with excpetions to dougs student loans. We are living almost stress free and are impacting our lives and our future childrens by allowing ourselves to save, and pass down HEALTHY spending habits for our own children so they won't end up like many Americans today...IN DEBT.
If you are struggling with debt, if you are struggling to make ends meet? THIS is the book for you!! Amy Jo is offering this giveaway and it could save your financial future and set you back on the road to good stewardship. Stop by and comment to add yourself to her giveaway!
May you find Financial Peace and good stewardship that God wills over your lives.
With Sincere Christmas Wishes,
Rebekah
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