As promised, I am finding myself with more than enough time to blog now that things are winding down at work, and lets face it, with a baby coming tomorrow I could use the distraction. So I will continue my blog from yesterday and elaborate a little bit on our seemingly pathetic housing situation. It is true, we have moved back in with my parents. I never in a million years expected to see myself doing this, but honestly, it is not as bad as it may seem.
We made the decision after taking Financial Peace University, that we wanted to sort of recession proof our families finances. Especially having made the decision for me to cut back on my end of our income. So according to this class we took, the best thing to do is to:
1. Establish a $1000 emergency fund
2. Pay off all your debts
Believe it or not step 1 was relatively easy to accomplish. We had that completed in just a few weeks. The next step however has been the difficult one. We were not in that much debt, but enough that this step has been immensely tiring. We are ready to move on to the next...to start building wealth...and to stop waiting to get into a new house! SO we made the decision to try to sell our humble abode in this horrible economy, and downsize to a rental on a temporary basis in order to finish paying off our debt.
Little did we know, the economy was a little worse than we had bargained for. All the realtors we spoke with insisted that we would have to take a rather large loss on our home in order to get it sold. So in light of that information we started preparation to rent it. With in two weeks of making this decision we found a renter in our church, who was a perfect fit. The only catch was that she needed the house in 2 weeks. So the frantic packing and decision making began. My parents were kind enough to offer their finished basement as an option for us to move into rent free while we figured everything out. That's right folks....I said rent free.
And so, the decision was made. We moved into my parents house, and somewhat settled in. I say somewhat because as soon as we got there, they made the decision to put in hardwood floors, and renovate their kitchen, so we are as settled as you can call living in a construction zone. But again, it is rent free, and my mom does all my laundry, so at the end of the day, and with baby # 2 coming we think this will work out just fine for us.
Again, I know it sounds pathetic moving back in with good ol Mom and Dad, but it will be nice to have the help, and it is nice to not have any payments. We are on track to be completely debt free by January 1, 2010 speeding up the process by approx. a year. At that point we will start looking for the perfect next landing place for our little family.
Thursday, October 22, 2009
Wednesday, October 21, 2009
Here we go again....
I know I keep committing to post more regularly with every new event in my life, but it is blatantly obvious by now that is never going to happen. The best I can do is to update the interweb for the sake of remembering big events for the Cugli Clan.
Since I have last posted, we have had some huge changes in our lives. No, the drooling is unfortunately not one of them. I am going to briefly recap everything that is going on and hopefully elaborate on each item further at a later date.
1. We are living with my parents. - Long story short, we found a renter VERY quickly and had to make a decision to get out of our house within 2 weeks. We landed at my parents house, for what started as a VERY temporary solution, but now with the baby coming, it just seems nice to be settled somewhere for a few months.
2. We have a new baby on the way! I posted about this previously, but now we really have a baby on the way. This Friday ( 10/23) is my induction date. We are having another little girl, and we have yet to solidly name her. It is amazing how with my first pregnancy, I labored over every tiny detail. This time around, I have been so busy with Sugar Bean, I can't keep my head strait. I keep telling myself not to worry because I will have a lifetime to dote on her. This 9 months is simply not it.
3. I am working again. I now am a "full time" administrative assistant at our home church. I LOVE EVERY MINUTE OF IT!! It is a rare thing when you can walk in every morning to someone telling you what a blessing you are. I feel needed here, and I appreciate that feeling so much. It is not like one day they are going to wake up and decide that me and my skills are obsolete. I may be doing the tiny support work, but it feels like so much more. Here it feels like every little contribution makes a big difference in peoples lives, and in their eternity. I was originally hoping for something part time as you might remember, but this is very flexible and most weeks I only work about 30 hours anyhow.
4. Sugar Bean switched day cares. She now goes to Miss Tracy's house to play on a daily basis and gets all the hugs and kisses she can handle. Tracy is a member of the church, who has 3 kids of her own, and was looking to make a little extra money. Her oldest daughter is in school all week, her middle daughter just started preschool 2 days a week, and her son is a year and a half older than Bean. She also keeps our youth pastors baby, Finley, and on occasion our staff assistants little boy Jude. Sugar Bean is the only girl 3 days a week and she rules the roost. She is not a pushy child, but she certainly has presence.
I think that is enough updating for now. In the next few days I am sure I will be looking for things to do to pass the time, so I will blog. I guess to sum it all up, life is a little unsettled and unorthodox for us right now. We are definitely in a time of transition, and we are appreciating every moment and lesson in it all. We love our life, our Sugar Bean, our little Sprout, and our God. So I guess things could not be more perfect.
Since I have last posted, we have had some huge changes in our lives. No, the drooling is unfortunately not one of them. I am going to briefly recap everything that is going on and hopefully elaborate on each item further at a later date.
1. We are living with my parents. - Long story short, we found a renter VERY quickly and had to make a decision to get out of our house within 2 weeks. We landed at my parents house, for what started as a VERY temporary solution, but now with the baby coming, it just seems nice to be settled somewhere for a few months.
2. We have a new baby on the way! I posted about this previously, but now we really have a baby on the way. This Friday ( 10/23) is my induction date. We are having another little girl, and we have yet to solidly name her. It is amazing how with my first pregnancy, I labored over every tiny detail. This time around, I have been so busy with Sugar Bean, I can't keep my head strait. I keep telling myself not to worry because I will have a lifetime to dote on her. This 9 months is simply not it.
3. I am working again. I now am a "full time" administrative assistant at our home church. I LOVE EVERY MINUTE OF IT!! It is a rare thing when you can walk in every morning to someone telling you what a blessing you are. I feel needed here, and I appreciate that feeling so much. It is not like one day they are going to wake up and decide that me and my skills are obsolete. I may be doing the tiny support work, but it feels like so much more. Here it feels like every little contribution makes a big difference in peoples lives, and in their eternity. I was originally hoping for something part time as you might remember, but this is very flexible and most weeks I only work about 30 hours anyhow.
4. Sugar Bean switched day cares. She now goes to Miss Tracy's house to play on a daily basis and gets all the hugs and kisses she can handle. Tracy is a member of the church, who has 3 kids of her own, and was looking to make a little extra money. Her oldest daughter is in school all week, her middle daughter just started preschool 2 days a week, and her son is a year and a half older than Bean. She also keeps our youth pastors baby, Finley, and on occasion our staff assistants little boy Jude. Sugar Bean is the only girl 3 days a week and she rules the roost. She is not a pushy child, but she certainly has presence.
I think that is enough updating for now. In the next few days I am sure I will be looking for things to do to pass the time, so I will blog. I guess to sum it all up, life is a little unsettled and unorthodox for us right now. We are definitely in a time of transition, and we are appreciating every moment and lesson in it all. We love our life, our Sugar Bean, our little Sprout, and our God. So I guess things could not be more perfect.
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