Tuesday, November 19, 2013
Are you living your financial reality? Or are you in a fantasy world? This question was posed recently by my favorite money guru - Suze Orman! She always says that we need to face our debt to erase it.
Well, that being said, I had a recent encounter with my youngest daughter where she was overwhelmed by student loan debt and the process of paying it back at this point in her life. She has had some set backs lately (car accident, quitting college one month shy of a degree, brain injury) so I really didn't want her to add this to her list of stressors. She would say things like "I have $100,000 in student loan debt" and then I would hear her talk about it and say it was $75,000.
I finally asked her if she really knew how much debt she had? She said she was guessing and didn't really know for sure. I told her that we need to get online and look it up so she can face exactly how much it is (plus, I didn't think it was that high). So that night we looked up her federal and private loans and guess what? Not even close to what she thought. $26,000 in Federal and $16,000 in private so $42,000 total. She felt a little better about that because she was building it up in her mind to be this incredible mountain that could not be managed when in reality it is less than half what she imagined.
This was a really good exercise and I think it helped my daughter see that it is better to KNOW than to GUESS.
Now, she is working on getting a job, healing, figuring out the rest of her life as it unfolds and going through some therapy.
Note: I am still paying on my Student Loan debt from 1998 - I have it down to $6K now from $22K. I might have it paid off before I turn 50! LOL.
That's enough sharing for now.
Do you have any financial stories to share? Success or failure? Sometimes we learn more from the failures, but I love a good success story.
Tuesday, June 04, 2013
Read this and try not to laugh. I dare you.
Tuesday, June 04, 2013
I want to blog but I really don't know what to blog about today. My baby girl turned 21 years yesterday. That is making me feel pretty darn old, however, I have coworkers who are older than me with younger kids! Whew, I am so glad mine are adults!
I have had some NSV's lately. I am on week 3 of p90x program and the exercises are getting easier. I am able to do more of them with heavier weights. Plus, today after the dvd (chest and back plus ab ripper) I did the elliptical for 20 mins because I just didn't feel "done" yet. So that is progress! Before I started this program I would have considered 20 mins on the elliptical a workout instead of a cool down - LOL! Now I do an hour long dvd, a 15 min ab routine and a 20 min elliptical cool down. Wow have things changed! My breathing is easier, I don't sweat as hard and the effort feels less intense.
I have had zero progress on weight loss but I can feel that things are improving on the inside. I also found out that when you are working out hard and burning fat - that can bring on your womanly cycle way before it is time. Now, I have heard of working out so much that you skip your cycle all together but this is NEW to me. I asked my friend who did this program also and she said it happened to her - she asked her Nurse Practitioner about it and according to her, when your body releases the fat out of your fat cells - the estrogen that is tied to the fat is also released and the estrogen will spur your period to happen sooner. So, now I get two periods a month. Great. I am going to look at it as a plus because it means I am burning FAT! Woo Hoo!
My spark coach program today wants me to write down three things I have done today - any three things. It says that we focus on the negative too much and so by writing down 3 things, we can focus on our accomplishments no matter how small.
#1 mowed the entire yard
#2 talked to my birthday girl on the phone
#3 worked out and beyond.
and a bonus #4 took a nap!
I love naps. Naps are great.
There it is. A blog. Hope you enjoyed it. Have a great day sparkers!
Thursday, May 30, 2013
Yonana maker - by popular demand.
So, I got this frozen dessert maker at Kitchen Collection for $45. Not bad. The first thing to making delicious and guilt free desserts is to have ripe bananas - (the instructions say "cheeta spotted" bananas are best for flavor), then you need to peel them and wrap them in plastic wrap and freeze them. You can combine different frozen fruit to get very unique flavors but you must always start with a whole banana and end with one (it helps to push all the yummy stuff out).
So, now you have your fruit frozen and ready to go. You turn on the machine (it is loud, just so you know, so don't do this while your baby is trying to nap). Add the first banana in the chute and use the plunger to push it thru slowly, if that doesn't work, break the banana in half and then try to plunge it thru. Loud noise. Here is where you add any other fruit you want - I used frozen strawberries - about 3 at a time for a total of 9. Now shove another banana thru and you are done! Hopefully you placed a bowl under the chute or now you have a mess to clean up. If you did manage to get it into a bowl, you now stir and eat. YUM! It is creamy like ice cream but no dairy!!! It didn't taste banana-y (not a word, I know). But I did taste the strawberry and I added a bit of chocolate syrup to it and viola', perfection confection!
The directions say that two bananas per serving is normal. So I had about 6 bananas and I kept it going! I made a bunch of strawberry/banana frozen dessert and froze the individual servings to enjoy another day. My mom also taste tested it and was impressed. She said it was like soft serve ice cream.
Needless to say, I bought more bananas and I am excited for them to ripen so I can freeze them and try more flavor combinations. I have frozen raspberries and frozen chocolate bars.....I also have blueberries and mangos....hum.
I guess the only calories are the fruit itself(and any toppings you might add) because all this machine does is pulverize it and make it creamy.
Clean up was easy. The part that gets cleaned comes off the base and twists off into 4 pieces which you can handclean or use in the top rack of the dishwasher since it is mainly made of plastic.
I think this would be an excellent thing to have for any family get together or cookout - healthy frozen treats! You won't mind your kids eating this - they are getting 3 servings of fruit! Also, I think it would be good to demonstrate it at the next Spark Rally! Everyone can taste test and try different combos. It does need a quick rinse in between flavor changes if you don't want carryover.It is very portable but does require electricity to operate.
LOVE LOVE LOVE this!
Now run out an buy one. LOL.
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