Part Two

Previously: …I didn’t have a plan, money wasn’t a concern; the lights were on, the house was warm in the winter and cool in the summer. Until 2014, when my husband was injured at work and couldn’t continue heavy physical labor any longer.  Now, I’ll tell you the rest of the story… So now I’m… Continue reading Part Two

The Pay Day Loan

My phone rings about 11:00, I look down at it - I don’t recognize the number, so I’m hesitant to answer, “Hello?”  “Hi, is Patricia available?”  “This is…” “Hi, my name is Jeremy and I’m from blank-blank payday advance company.  You haven’t been here in a while and I can offer you $25 on a… Continue reading The Pay Day Loan

Money and Relationships

Changing behavior with money is the key to budgeting.  Paraphrasing one of my favorite quotes by Charles Swindoll “Life is 10% what happens to me and 90% how I react to it” reflects how I feel about money.  Its amazing how funding an emergency fund changes our reactions.  I’ve experienced  its unwise to make financial decisions… Continue reading Money and Relationships


Intentional My word of the year for 2019 is Intentional - with my life and with money.   Almost two years ago, my family experienced a life altering event, which I’ll share in an upcoming April post. We were in survival mode, just getting by emotionally and financially. “To the world you are one person, but… Continue reading Intentional

Her Name Was Emilie

Holling destroyed the church records in 1946, taking my family history and leaving more questions than answers. I knew my great-grandparent’s names, but no birthdates or date of death. My mother always spoke about her step-grandmother and how much she loved her, and vice versa, but I didn’t know her name. My mother passed away… Continue reading Her Name Was Emilie