Wednesday, November 26, 2008
Friday, November 14, 2008
Lovely visit to the labyrinth today. Despite it being nearly 60 degrees, I was bundled in my winter jacket, hat and gloves. The crisp, riverside breeze cuts right through me, so I came prepared. I'd much rather be too hot than cold, but know full well that I looked like a fool.
There were only two of us on the path today. Always nice to have a travel companion. I love that we meet here every other week. However many of us can show. Although we arrive at the same time of day, it's different there... somehow, always different. No church toll or tunes for this full moon walk. This visit, only silence.
This photo captures the mood there today ... beautiful, blue, and barren.
Tuesday, November 11, 2008
Monday, November 3, 2008
Saturday, November 1, 2008
Needless to say, the past year that he has been back to work has been a relief and we are filled with tremendous gratitude. Mostly because we’ve changed. Originally out of necessity, but it stuck. We now think before we spend. And we now work together every month to craft a budget.
Yeah. I said it. That dirty word. Budget.
And so begins the post wherein I gush about a program called YNAB Pro. Not because I get a kickback from doing so ... but because I love it. It isn’t so much a program as a system. Maybe even a way of life. It is simple. It is affordable. And it has the potential to change your life for the better. Promise.
My husband and I have been using YNAB Pro since April and budgeting our income for the first time in almost 17 years of marriage. We are no longer living paycheck to paycheck. We are planning ahead for Murphy visits, so that we don’t get caught by surprise. For example, last week, we were able to pay cash for a $3600 repair to our sewer line which, otherwise, would have been applied to our home equity line of credit before we knew better. We are paying down our debt and we are setting goals. I swear to you that the sky is bluer, food tastes better, and we sleep like babies. It’s really that good.
I hesitated about posting this, since it is a bit off-topic for this blog. But I have talked with more and more people lately who are