Saturday, January 31, 2009
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Provident Living in Hard Times
Family Togetherness
--Go for a bike ride
--Complete a puzzle; this teaches team building skills
--Turn up the music and dance!
--Play a game.
--Work together on a scouting or YW project.
--Talk to your kids about money. Start giving them commissions for the jobs they do around the house. Teahc them to divide their pay into 1-giving, 2-saving, 3-spending. Help them to have good habits from the get go.
--Complete a puzzle; this teaches team building skills
--Turn up the music and dance!
--Play a game.
--Work together on a scouting or YW project.
--Talk to your kids about money. Start giving them commissions for the jobs they do around the house. Teahc them to divide their pay into 1-giving, 2-saving, 3-spending. Help them to have good habits from the get go.
Spiritual Nuggets
"Bring ye all the tithes into the storehouse, that there may be meat in mine house, and prove me now herewith, saith the Lord of hosts, if I will not open you the windows of heaven, and pour you out a blessing, that there shall not be room enough to receive it" (Malachi 3:10).
Those who show their willingness to sacrifice as the Lord has commanded will be accepted by Him. He taught: "All . . . who know their hearts are honest, and are broken, and their spirits contrite, and are willing to observe their covenants by sacrifice—yea, every sacrifice which I, the Lord, shall command—they are accepted of me" (D&C 97:8).
Those who show their willingness to sacrifice as the Lord has commanded will be accepted by Him. He taught: "All . . . who know their hearts are honest, and are broken, and their spirits contrite, and are willing to observe their covenants by sacrifice—yea, every sacrifice which I, the Lord, shall command—they are accepted of me" (D&C 97:8).
Financial Peace with Dave Ramsey
Look here for strategies we are learning about at Dave Ramsey's Financial Peace University.
Baby Step 1 - Put $1000 in an emergency fund.
Baby Step 2 - Get out of debt. Do not get anymore lines of credit.
Baby Step 3 - Build 3-6 months worth of income in your savings.
This was overwhelming when we were first told to do this. Then it was explained that these 3 steps have taken some people 2 yrs to do. That little piece of info brought such comfort and hope.
Baby Step 1 - Put $1000 in an emergency fund.
Baby Step 2 - Get out of debt. Do not get anymore lines of credit.
Baby Step 3 - Build 3-6 months worth of income in your savings.
This was overwhelming when we were first told to do this. Then it was explained that these 3 steps have taken some people 2 yrs to do. That little piece of info brought such comfort and hope.
Healthy Living
--Take advantage of Califiornia's unusually warm winter. Take a walk after dinner.
--If you can't cut it out entirely, try going "light". Light butter, light sour cream, etc.
--Processed foods have been altered from their natural state for safety reasons and for convenience. A general rule: Food in it's natural state is healthier for you than processed. ie: wheat bread vs white, apples vs applesauce.
--If you can't cut it out entirely, try going "light". Light butter, light sour cream, etc.
--Processed foods have been altered from their natural state for safety reasons and for convenience. A general rule: Food in it's natural state is healthier for you than processed. ie: wheat bread vs white, apples vs applesauce.
Recipes
Need some new meal ideas? Try these resources.
http://www.allercipes.com/
http://www.foodnetwork.com/
http://www.kidshealth.org/ - I use recipes from this site for my 4-H cooking project.
http://www.chuckwagondiner.com/ -Camping recipe/meal ideas
http://www.crockpot-cooking.com/
www.a-crock-cook.com/
http://www.allercipes.com/
http://www.foodnetwork.com/
http://www.kidshealth.org/ - I use recipes from this site for my 4-H cooking project.
http://www.chuckwagondiner.com/ -Camping recipe/meal ideas
http://www.crockpot-cooking.com/
www.a-crock-cook.com/
Replacements for Commerical Cleaners
- Windex ---- Vinegar
Grocery Tips
Tip #1
Start your own Grocery Log. Make a list of items you regularly buy. Price them at stores you frequent. This helps you compare not only stores but sales you kind on items. You'll better be able to know a good deal when you see it.
Start your own Grocery Log. Make a list of items you regularly buy. Price them at stores you frequent. This helps you compare not only stores but sales you kind on items. You'll better be able to know a good deal when you see it.
Socializing on a Budget
Look at your local museums to see if they have a free day. Some have it monthly and some yearly. Either way, expect crowds but enjoy!